When the music stops: Protecting your instrument with Lark Music

By Performance

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74% of UK adults either play or have played an instrument, with over 1m people taking up an instrument during lockdown. Whether you’re a professional or you play as a hobby, a musical instrument is a special thing and it’s important to make sure you have the right level of protection in place should anything happen.

How to protect your instrument

It’s common for people to think their instrument is covered with home insurance, and whilst this is sometime correct, it depends on the value of your instrument, how you use it and the level of cover you’re looking for. Because of this, we always recommend a specialist instrument policy, which might sound expensive, however, our policies start from £38 for worldwide cover.

To help you we’ve created a mini-guide on whether you need a musical instrument policy:

Check your household policy limits

Your household policy might have single article limits which means the highest limit for which you can insure your items. In this case you need to remember to specify your instrument(s) on your policy.

Understand your excess charges

Household policies often have a standard excess, and this may differ depending on the type of claim i.e floor, theft, accidental damage. Most of our instrument policies do not have a claims excess* as the insurer covers the cost of making a claim.

Beware of taking your instrument(s) out of your home

Although some items can be covered outside your home such as mobiles, activities with your instrument away from your home are usually not. Our policies can cover you when you go out with your instrument and we can even provide cover for travelling abroad*.

Know how your instrument will be repaired or replaced

Regardless of the cost of your instrument, once you’ve started playing it we understand that you naturally become attached to it. By having a specialist instrument policy you will have your choice of repairer instead of sending it away to a complete stranger or being offered a direct replacement.

If you would like to protect your instrument, Lark Music can help. We have supported musicians of all abilities for over 25 years, and as a valued Performance client, you have access to a 10% discount on your musical instrument insurance.

Click here to claim your discount

*We do not have a claims excess other than on our electrical instrument policies.

*Dependent on the level of cover you choose.

*Terms and conditions available here.

Terms and conditions apply:

The 10% discount applies to the total cost of the policy.
You must be a current Performance client to qualify for the 10% discount.
You cannot use this offer in conjunction with any other discounts.
This discount is available on all Lark Music policies.
The 10% discount will apply to the first year of the policy only.
Lark Music reserves the right to withdraw this offer at any time.

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Performance is a trading name of Howden UK Brokers Limited, which is authorised and regulated by the Financial Conduct Authority No. 307663. Registered in England and Wales under company registration number 02831010. Registered Office: One Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.