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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.
A message to our policyholders
If, as a result of coronavirus (COVID-19), you are experiencing temporary financial difficulties and/or may have difficulty with future premium payments, please contact our customer service team on 0333 004 3888. We will discuss your situation with you to establish if there are any measures which can be taken which may assist you at this time.
In light of recent events, we have posted a message to all of our policyholders on the steps we’ve taken to maintain our high level of customer service and how you can get in touch with us. You can read more here.
New Customer
If you're a new customer, then we can point you in the right direction.
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- FAQs
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Existing Customer
If you're an existing policy holder then we're here to help with anything you need.
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- Amend your policy
- Policy Documents
- Renew a policy
- Make a claim
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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.
Get a quote- Public Liability up to £1million
- Cover in the UK & 30 days worldwide
- Up to £2,000 music equipment hire
- Loss of earnings cover
- Interest-free monthly payments
- New for old cover on your musical instruments & equipment
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What musical instruments are covered with musicGuard?
Brass Instruments
Pay monthly to protect brass instruments at no extra cost
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Pay monthly to protect your DJ equipment at no extra cost
Are you a dorm room DJ or do you spin the decks for a living? Our cover can help whether you're in public or at home.
Get a quote
Keyboards
Pay monthly to protect keyboards at no extra cost
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Guitars
Pay monthly to protect your guitar at no extra cost
Amateur at the acoustic or an expert with the electric? We can keep you rocking should something happen to your guitar.
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Woodwind Instruments
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Whether it’s the clarinet, flute or the oboe, our music insurance can cover every member of the woodwind family.
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Pay monthly to protect string instruments at no extra cost
If you play in the string section, then you may travel a lot. Our music insurance can protect you when you’re on the move.
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Pay monthly to protect your drum kit at no extra cost
We know how important the drummer is to any band. Our cover will help protect your drum-kit, so that you never miss a beat.
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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.
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 N. America).
30 Days Travel Cover
Got a gig overseas or away on holiday?
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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.
£2,000 Equipment Hire
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It’s covered as part of our claims service. Up to £2,000 of music equipment hire available if you need it.
In-Vehicle Cover
Worried about your equipment while it’s in the car?
Our In-Vehicle Cover is automatically included. If you’re on the road with your equipment, then we can cover musical instruments that are temporarily stored in your car when you’re away from home. Storage and vehicle requirements apply.
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Loss of Earnings
Had an accident that’s keeping you from performing?
If you’ve suffered a personal injury as a result of an accident, you don’t need to be out of pocket. We can offer up to £800 to cover the loss of your music-related earnings.
New for Old Cover
If disaster strikes, why should you lose out?
No value depreciation on your musical instruments and equipment when you use our approved claims service. Evidence of ownership is needed if you make a claim.
Optional £5m Public Liability for you & 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 £5m liability cover (excludes any liability incident in N. America).
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 global travel cover.
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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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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.
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.
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.
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.
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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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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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Cover for your DJ equipment
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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.
In-Vehicle Cover
Worried about travelling to and from gigs?
Whether you spend a lot of time on the road, or if you only play locally, our protection includes cover for your DJ equipment when it’s temporarily stored in your car or van away from home. Storage and vehicle security requirements apply.
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Need replacement DJ equipment after making a claim?
We can cover it as part of our claims service. Up to £2,000 of DJ equipment hire available if you need it.
Optional £5m Public Liability for DJ's & those that support you
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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 £5m Public Liability cover for claims made against you (excludes any liability incident in N. America).
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Great protection for professionals
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.
In-Vehicle Cover
Theft can hit you hard
Our protection includes cover for your music equipment and instruments stored temporarily in your car away from home. Storage and vehicle security requirements apply.
Loss of Earnings
Get protection for your earnings
Personal injury after an accident can hit a professional musician pretty hard. If you’ve suffered a personal injury as a result of an accident, then our music insurance can offer up to £800 to cover the loss of your music-related earnings.
Optional £5m Public Liability for you & 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 £5m liability cover (excludes any liability incident in N. America).
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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:
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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