*Price based on Brass instruments worth £380 in total, in a G73 postcode area. Annual premium of £11.83. Prices are correct as at 23/09/19

Music Insurance

Specialist protection from as little as £11.83*

*Price based on Brass instruments worth £380 in total, in a G73 postcode area. Annual premium of £11.83. Prices are correct as at 23/09/19

A message to our policyholders

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.

What you're covered for

Are you looking for insurance that can provide you with flexibility but is also robust when you need it the most? Our policies have been designed to keep musicians and their instruments safe from harm even when things get a little loud. With our cover, it doesn’t matter what your level of expertise is! So whether you're an amateur or a professional musician, by taking out insurance with us we can keep you performing whether you’re a student DJ or a gigging guitarist. Have a look at what's included in our policies and see what we can do for you today.

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Public Liability

Accidents can happen, especially if you’re a performing musician. That’s why we will protect you against third party damage or injury claims.


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Instrument & Equipment Cover

Our cover goes beyond standard theft and accidental damage and includes vandalism, attempted theft and even fire damage in the UK and abroad (up to 30 days). Security requirements apply.

Equipment Hire

Making a claim with us and still need an instrument? It’s covered as part of our claims service, up to £2,000 of equipment hire available if you need it.

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In-Vehicle Cover

Keep your equipment safe when you're on the road. Our policy automatically includes in-vehicle cover and up to £300 in vehicle damage costs in the event of a theft. Storage and vehicle security requirements apply.

New for Old Cover

No value depreciation on your instrument and equipment when you use our approved claims service, which are all handled by our own claims team – so no outsourcing to a third party. Evidence of ownership needed if you make a claim.

Loss of Earnings

Loss of Earnings

Had an accident resulting in a personal injury that's keeping you from performing? You shouldn't have to be out of pocket. We can offer up to £800 to cover the loss of your earnings.

Our optional extras

If you're after even more from your cover, then why not take a look at our optional extras? Our extended policies have been designed to protect musicians and their instruments, wherever music takes them. You can choose to extend your cover and benefit from our Global Travel extension, which provides up to £300 to cover damage to your purpose-designed equipment case while you travel anywhere in the world. Not only that, but you can also protect yourself against third party damage and injury claims to the tune of £5million with our extended Public Liability cover. Get this and more with our optional extras, which you can find more about below.

Global Travel

Global Travel

30 days travel cover not enough? If you’ve got a string of gigs lined up then you can extend your policy to include 365 days of global travel cover.


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Public Liability

£5m Public Liability

Option to increase your Public Liability cover up to £5million. You can also extend your insurance to include up to 4 additional band members.


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Extended Mechanical Breakdown

Mechanical Breakdown

It’s frustrating when your equipment breaks outside of its warranty. Our Mechanical Breakdown option can cover faulty kit that's up to 5 years old.

What our musicGuard customers say

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.

Information and guides

Need more information? Our full list of FAQs are available below, as well as a link to your customer account where you can access information about your policy.

Who we cover 

Music is a wide-ranging subject and because of that, we cover a wide range of people. It doesn’t matter if you’re first chair in an orchestra, an aspiring student DJ, or everything in-between. We understand that music is for everyone and that’s why our policies are designed to suit musicians of all levels of expertise. Our insurance provides protection to amateurs, students and professionals, so have a look at what we can offer you below. 



We can protect those who play in their spare time or are just getting to grips with a new instrument. That’s why we offer protection against theft, accidental damage and more.


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Whatever your setup, we can help keep you covered. With a wide variety of DJ equipment available, the costs can soon mount up when trying to make a unique beat.


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Music Teachers

We've done our homework to find out what works best for you. If you’re travelling between lessons, we can make sure that you’re protected while you teach.


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If making music is how you earn a living, we understand that the safety of your equipment is paramount. That’s why we offer cover while you’re performing abroad as well as at home.


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Our cover takes care of each section of the orchestra, as well as the instruments in your band. If music is your passion, we’ll make sure you’re looked after.


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Studying a music degree or do you play in your spare time? We can keep your equipment covered while you’re in Halls of Residence.


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Policy documents

For customers incepted on or after September 23rd 2019, you can click below to access your policy wording.

Policy documents - Home Studio, Flexi and Select

For customers incepted before September 23rd 2019, you can click below to access your policy wording.

Existing customers

If you have an existing policy with either: DJguard, Orchestralguard, Orchestralguard for schools or Music Liabilityguard, then you can contact our team for information on your policy. 

Email: support@guardcover.co.uk

Recent posts

We know that music is for everyone. It doesn't matter whether you’re a professional musician, a part-time performer or someone who plays purely for their own enjoyment, we want to help make you the best musician you can be. Our articles section provides tips, hints and in-depth guides to help perfect your technique and hone your skills. Have a read and you’ll see that we make all the right noises when it comes to music.