All our policies are provided on an ALL RISKs basis one of the highest levels of cover available in the industry. These policy are all underwritten by certain underwrites at Lloyds of London, one of the oldest insurance markets in the world.

All our policies include the following standard benefits:

We can also insure you for public liability when performing.


Your policy can include any number of instruments and any type of instrument. For example we insure classical instruments like the Harp &Violins etc though to more modern instrument like the Electric Guitar, Amplifies, speakers, MIDI interfaces etc. And they can all be added tojust one policy.

If it's musical, we can probably insure it


Each instrument then has a level of cover

Level of cover Description of Cover
In Home As the name suggests, cover is only provided in your home or in a single identified residential location.
Student Cover while you learn to play. Your instrument is covered in your home and within UK/Ireland if attending a lesson with your teacher or a prearrange concert/rehearsal as part of your learning to play.
UK/Ireland Cover in your home and across the UK and whole of Ireland.
All Europe Cover in your home, in the UK/Ireland and any European country.
World Wide Cover in your home and in any country in the world.
In Country For our international customers, cover in your country of residence.
Retail As the name suggests for our retail customers, cover provided in your retail premisses including the transportation across the UK for display/demonstration at exhibitions.
On Loan/Hire If you lend or hire your instrument to a friend or third party you can increase your cover to include the risks presented by them looking after your instrument, INCLUDING if THEY STEAL your instrument.
Education If you are a school, college or University. Your instrument is covered whilst on your premises and at any concert venue where the you have booked a rehearsal or performance.