- Over 25 years of insuring UK musicians
- Up to £2,000 towards replacement hire*
- Up to £10m in optional public liability cover *subject to approved claim
- 87% of all claims approved
- All claims handled by our friendly UK team
- Get your own dedicated handler when you claim
Specialist musical instrument insurance from musicGuard
Insurance for instruments, DJ equipment and much more
At musicGuard, we provide specialist protection to musicians of all levels and their instruments, as well as DJ's and music teachers. Our music insurance can protect your instruments and equipment from accidental damage, theft and offer you Public Liability protection while you're performing.
WHAT’S INCLUDED WITH MUSICGUARD INSURANCE?
The benefits of cover from musicGuard
Whatever genre of music you’re into, we could help provide the cover you need. Our specialist insurance includes laptops and computers used for DJing and even your classic guitar collection. With musicGuard, we can protect your instruments for theft, accidental damage and liability claims made against you and much more.
Find out What’s covered with musicGuard
What musical instruments are covered with musicGuard?
Brass Instruments
Pay monthly to protect brass instruments at no extra cost
DJ Equipment
Pay monthly to protect your DJ equipment at no extra cost
String Instruments
Pay monthly to protect string instruments at no extra cost
Drums
Pay monthly to protect your drum kit at no extra cost
Keyboards
Pay monthly to protect keyboards at no extra cost
Guitars
Pay monthly to protect your guitar at no extra cost
Woodwind Instruments
Pay monthly to protect your instruments at no extra cost
The benefits of cover from musicGuard
What are the policy benefits of musical insurance?
No musician wants to end the show early. With specialist insurance for your musical instruments and equipment, you can make sure that you’re protected if something goes wrong. Our music insurance includes replacement instruments and equipment as well as up to £1million in Public Liability cover as standard. So, tune in and let these policy benefits strike a chord with you.
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Up to £1m Public Liability cover
Got an exciting gig lined up?
Accidents can happen. That’s why we will protect you against third party damage or injury claims while you perform in public with our £1m in Public Liability cover as standard (excludes any liability incident in North America).
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£100,000 Legal Expenses Cover
How can we help if you're involved in a legal dispute?
All our policies now include extra legal protection through our Legal Expenses cover.
We provide up to £100,000 of legal expenses cover, within the UK, for incidents related to certain contract and tax disputes, as well as legal defence work. In addition, we also include our Legal & Tax Advice helpline and online support through our Business & Consumer Legal Services portal.
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30 days Global Travel Cover
Got a gig overseas or away on holiday?
Our cover automatically extends beyond the UK with 30 days worldwide cover.
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Equipment Cover
Want to protect your instruments?
Our insurance is designed for your musical instruments and equipment. That’s why we can cover against theft, accidental damage, vandalism and even damage caused by flooding and fire. Security requirements apply.
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£2,000 Equipment Hire
Making a claim with us and still need an instrument?
If you’re making a claim with us but still need replacement equipment, then don’t worry. It’s covered as part of our claims service, with up to £2,000 of equipment hire available if you need it - we’ll just need to approve your claims before you do. Cover applies in the UK, with up to £250 claims hire cover abroad available with our optional Global Travel cover.
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In-Vehicle Cover
Worried about your equipment while it’s in the car?
Keep your music equipment safe when you're on the road. We automatically include In-Vehicle Cover and up to £300 cover for damage caused to your vehicle at the same time as the theft or attempted theft of your insured equipment.
Security requirements apply. Insured items must be stored out of sight in an enclosed vehicle storage compartment, boot or luggage space. All vehicle doors and windows must be closed and securely locked and all vehicle security systems activated, cover is not applicable when the vehicle is at your insured location.
Policy benefits for musical instrument and equipment insurance
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£100,000 Legal Expenses Cover
How can we help if you're involved in a legal dispute?
All our policies now include extra legal protection through our Legal Expenses cover.
We provide up to £100,000 of legal expenses cover, within the UK, for incidents related to certain contract and tax disputes, as well as legal defence work. In addition, we also include our Legal & Tax Advice helpline and online support through our Business & Consumer Legal Services portal.
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Loss of Earnings
Had an accident that’s keeping you from performing?
If you’ve had an accident that's keeping you from performing, then you shouldn't have to be out of pocket. We can offer you:
- £800, or
- 75% of your lost pre-booked music related earnings (whichever is lesser)
Cover only applies to pre-booked music related earnings. Maximum period we will pay is 42 days from the accident.
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New for Old Cover
If disaster strikes, why should you lose out?
We understand what your music equipment means to you, which is why we offer genuine new for old replacement. As long as you’re able to demonstrate the original value with either a receipt or proof of purchase, then we won’t depreciate the value of your equipment.
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Optional £5m or £10m Public Liability for you and your band mates
Accidents can happen, especially when you’re performing
You can choose to protect you and up to four band mates or fellow musicians on the same policy for up to £10m liability cover (excludes any liability incident in North America).
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Optional Global Travel Cover
30 days of travel cover not enough?
If you’ve got a string of gigs lined-up abroad, then you can extend your policy to include 365 days of worldwide cover and £250 claims equipment hire. Proof of hire required.
Cover for professional and amateur musicians
Insurance for all musicians
Whether you’re an amateur musician, a professional or a music teacher, our cover has been designed to help all musicians. Protect yourself against expensive repair or replacement costs with specialist music insurance for your instruments and equipment.
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Amateur musicians
Your hobby doesn’t need to be stressful
We can protect musicians who play in their spare time or are just getting to grips with a new instrument. Our insurance includes cover against theft, accidental damage and more to strike a chord with you.
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DJs
Specialist cover for DJs and DJ equipment
Whatever your setup, we can help keep you protected. The costs can soon mount up when trying to make the perfect set, so it’s worth keeping your DJ equipment and accessories covered whether you’re practicing at home or performing in public.
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Music teachers
We’ve done our homework so you don't have to
Whether you teach at home or travel to student's homes, you can protect yourself and your instrument from the unexpected. Cover your music equipment from theft and accidental damage away from home and get up to £1m Public Liability cover as standard.
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Professional musicians
Cover to protect you in the studio or in public
If making music is how you earn a living, then we understand that the safety of your equipment is paramount. Whether you’re a session guitarist or first chair violinist, our cover can protect you and even some loss of earnings.
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Semi-professional musicians
Insurance for every section of the orchestra and each member of the band
If you’re getting bookings for parties or local gigs, then you’ll want to keep your instruments and equipment safe. Our cover can protect musicians while they’re performing and when they’re on the move.
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Student musicians
Protect your instruments away from home
Studying a music degree or do you practise in your spare time? With our insurance, it doesn’t matter how often you play. Our insurance can protect student musicians of all levels against theft, accidental damage and more.
Music equipment insurance from musicGuard
Cover for your DJ equipment
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Equipment Cover
Own a lot of different DJ equipment?
We know that every DJ has a different set-up and that your equipment doesn't come cheap. If a party-goer damages your gear, then it could cost thousands to replace. Our policy can cover all types of DJ equipment, including laptops that you use for DJing, turntables, speakers and more.
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In-Vehicle Cover
Worried about travelling to and from gigs?
Keep your music equipment safe when you're on the road. We automatically include In-Vehicle Cover and up to £300 cover for damage caused to your vehicle at the same time as the theft or attempted theft of your insured equipment.
Security requirements apply. Insured items must be stored out of sight in an enclosed vehicle storage compartment, boot or luggage space. All vehicle doors and windows must be closed and securely locked and all vehicle security systems activated, cover is not applicable when the vehicle is at your insured location.
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£2,000 DJ Equipment Hire
Need replacement DJ equipment after making a claim?
If you’re making a claim with us but still need replacement equipment, then don’t worry. It’s covered as part of our claims service, with up to £2,000 of equipment hire available if you need it - we’ll just need to approve your claims before you do. Cover applies in the UK, with up to £250 claims hire cover abroad available with our optional Global Travel cover.
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Optional £5m or £10m Public Liability for DJ's and those that support you
Got a string of DJ bookings coming up?
Whether you’re booked to perform at weddings or gigs, accidents can happen when you DJ in public. That's why you can choose to protect yourself and up to four assistants who work with you on the same policy for up to £10m Public Liability cover for claims made against you (excludes any liability incident in North America).
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£100,000 Legal Expenses Cover
How can we help if you're involved in a legal dispute?
All our policies now include extra legal protection through our Legal Expenses cover.
We provide up to £100,000 of legal expenses cover, within the UK, for incidents related to certain contract and tax disputes, as well as legal defence work. In addition, we also include our Legal & Tax Advice helpline and online support through our Business & Consumer Legal Services portal.
Professional musician insurance
Great protection for professionals
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Equipment Cover
Your instruments are your livelihood
That’s why we can cover your music equipment and instruments against theft, accidental damage, vandalism and even damage caused by flooding or fire. Security requirements apply.
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£100,000 Legal Expenses Cover
How can we help if you're involved in a legal dispute?
All our policies now include extra legal protection through our Legal Expenses cover.
We provide up to £100,000 of legal expenses cover, within the UK, for incidents related to certain contract and tax disputes, as well as legal defence work. In addition, we also include our Legal & Tax Advice helpline and online support through our Business & Consumer Legal Services portal.
-
In-Vehicle Cover
Theft can hit you hard
Keep your music equipment safe when you're on the road. We automatically include In-Vehicle Cover and up to £300 cover for damage caused to your vehicle at the same time as the theft or attempted theft of your insured equipment.
Security requirements apply. Insured items must be stored out of sight in an enclosed vehicle storage compartment, boot or luggage space. All vehicle doors and windows must be closed and securely locked and all vehicle security systems activated, cover is not applicable when the vehicle is at your insured location.
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Loss of Earnings
Get protection for your earnings
If you’ve had an accident that's keeping you from performing, then you shouldn't have to be out of pocket. We can offer you:
- £800, or
- 75% of your lost pre-booked music related earnings (whichever is lesser)
Cover only applies to pre-booked music related earnings. Maximum period we will pay is 42 days from the accident.
-
Optional £5m or £10m Public Liability for you and your band mates
Accidents can happen, especially when you’re performing
You can choose to protect you and up to four band mates or fellow musicians on the same policy for up to £10m liability cover (excludes any liability incident in North America).
Making a claim with musicGuard
We’ve made making a claim so easy
If you've suffered damage to or theft of your musical equipment, we know how distressing it can be. That's why we'll do everything possible to deal with your claim promptly and get you back making music again. Our easy-to-use claims process is listed below with some helpful information regarding what to do if you need to make a claim.
1. Call the police
If you’ve been the victim of theft or malicious damage, your first port of call should be to inform the police.
2. Contact our claims team
Contact our in-house UK team to make your claim.
You can call us on: 0333 004 1999 to get started, or alternatively, you can email us with details of your claim at: claims@guardcover.co.uk
3. Make your claim
We'll provide you with your claim reference and talk you through the next steps. Should we need any further information to help process your claim, we can explain what's needed and support you.
musicGuard customers say this...
We pride ourselves on delivering a personal service to every musician that we help protect. You don't have to take our word for it though, check out some of our independent reviews to see what our customers have to say! If you'd like to leave your opinion, good or bad we encourage you to submit a review too.
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