DJ insurance

Protecting DJ's across the UK for over 20 years

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DJ insurance from musicGuard

Specialist DJ insurance from musicGuard

When it’s your job to get the party started, you’re going to want insurance that puts your mind at ease. So, whether you’re a mobile DJ, a wedding DJ or if you just spin the decks at home, at musicGuard our cover can give you the protection you need.

Over 20 years of Guardcover, supporting your passion

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Why protect yourself with DJ insurance from musicGuard?

See what our specialist cover can offer you as a DJ and your equipment while you perform.

20 Years of Experience

We know what it takes to protect the things that matter to you.

Quick and Simple

We've made it quick and easy to get a quote in seconds.

0% Monthly Payment

Spread your payments across the year at no extra cost.

UK Customer Service

Our customer service team is ready to help you with all your questions.

Online Account

Your online account is an easy way to access and manage your policies 24/7.

Specialist Insurance

Cover for all types of musicians from teaching, rehearsing or performing live.

What’s included in my DJ insurance?

What am I covered for?

At musicGuard, we look to take the pressure off you while you perform. Our DJ insurance can cover you and your setup whether you’re at a gig or at home.

What if your DJ equipment is damaged or stolen?

If your DJ equipment and accessories are stolen from your home or studio or suffers from a drinks-spill, musicGuard is there to help get you set back up. Our cover includes theft & accidental damage, vandalism, attempted theft and fire damage for DJ equipment up to £50,000 in value. Security requirements apply.

What if your DJ equipment needs replacing?

We understand what your DJ setup means to you, which is why we offer genuine new for old replacement, and we don’t depreciate the value of your DJ equipment when you make a claim. Included with all polices purchased after 23/09/2019.

Got a gig overseas?

If you’ve got a gig booked abroad – no problem. We automatically include cover UK wide and up to 30 days Worldwide for your insured equipment. Included with all polices purchased after 23/09/2019.

Are you covered while your equipment is in the car?

You can keep your DJ equipment and accessories safe when you're to and from gigs. We automatically include cover for insured equipment stored in unattended vehicles as well as up to £300 towards the cost of damage to your vehicle caused by the theft or attempted theft. Storage and vehicle requirements apply.

How can we help you?

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 up to £800 to cover the loss of your music-related earnings as a DJ. Cover only applies to pre-booked music related earnings.

What if you need to hire DJ equipment?

If you’re making a claim with us but still need to replace your DJ equipment, then don’t worry. It’s covered as part of our claims service, with up to £2,000 of DJ equipment hire available if you need it. Cover applies in the UK, with up to £250 claims hire cover abroad available with our Global Travel option.

Optional DJ Insurance

Optional insurance for DJ's

Global Travel - If you’ve got a load 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.

£5m Public Liability - You can increase your liability cover to £5m and choose to extend the cover to include up to 4 partners who work alongside and support you as a DJ. Excludes North America.

Mechanical Breakdown - Covers repair costs to electrical gear (less than 5 years old) that breaks down outside of its warranty, so you’re not left empty-handed for your next set. Excludes computing equipment.

What DJ equipment is covered with musicGuard?

Mix it up with our DJ insurance

Frequently asked questions about DJ insurance

Want to find out more about our DJ insurance?

If you’re wondering what our DJ insurance includes, then we’ve answered a few questions for you here!

Whether you’re a professional or an amateur DJ, it’s worth keeping yourself covered. Your DJ set up can take a while to perfect and can be expensive to replace.

Our specialist insurance for DJ’s means that you get a cover that suits you and can protect you while you’re away from your home.

Many venue owners may require DJ’s to have Public Liability insurance before they can play gigs, which is why we automatically provide you with up to £1million worth of Public Liability cover. Subject to the terms and conditions of the policy, this can cover potential costs incurred in the event of someone taking you to court for damages you have caused to their property or even an injury to a third party, whilst going about your DJ activity. Our optional legal cover will extend your legal cover to £5m.

Public Liability insurance for DJ's (also referred to as personal liability or Third Party Liability) provides cover for any music-related legal liability that results in an injury to someone or damage to their property and where you are held liable.

For more information on our Public Liability cover for DJ's and what Public Liability cover can protect you against, you can consult our policy wording here.

For items that can be readily replaced with a new one (or with a similar model), the value should be the usual, undiscounted cost including VAT from a reputable retailer at the time you apply.

If you have a query as to what value you should insure your equipment for, feel free to get in touch with one of our friendly, UK-based customer service team either by:

Yes, computers and laptops can be covered for DJ’s if their primary purpose is for your music-related activity. Excludes our optional Mechanical Breakdown cover.

As a DJ, your lighting and staging equipment can be covered on your policy.

Yes! Your speakers can be covered on your DJ insurance with musicGuard.

If you’ve accidentally damaged your DJ equipment or if you’ve been the victim of theft, then we can replace your equipment on a new for old basis. Confirmation of value required.

When you’re insuring your music equipment; the policy would have to be in one person's name and this person would automatically get £1million of Public Liability. For an additional premium you can increase your Public Liability cover to £5million and include up to 4 additional partners who help support you in your DJing.

Our DJ insurance is provided on an annual basis - we do not offer any cover on a short term or temporary basis.

If your DJ equipment is accidentally damaged and you’ve made a claim with us, we can provide up to £2,000 towards replacement hire equipment within the UK in the meantime.

As part of our Global Travel option, we can provide up to £250 to hire replacement DJ equipment from a reputable retailer if your insured equipment is damaged whilst you’re abroad.

Yes, our policy can cover pre-booked music related loss of earnings that are as a direct result of bodily injury caused by an accident that prevents you from attending either: your music-related profession, events, or any lessons.

We can cover up to £800 or 75% of pre-booked music-related events that you are no longer able to attend. Please refer to your Policy Wording for full terms and conditions.

Unfortunately, we are unable to cover any mobile or smart phones on our music insurance.

The minimum age for the main policyholder is 18. Public Liability and Personal Accident cover (if you have chosen to include this on your policy) will only apply to anyone aged 16 or over at the time of any incident, and total permanent disablement cover is only available for anyone aged 65 or under.

If you need to cover your instruments at more than one address, please call our contact centre on: 0333 004 3888

We can then look to update the policy accordingly dependent on the policy and security requirements.

As the insurance policy is a legal agreement between us and the policyholder, we can only set up a policy with the person who will be named as the policyholder.

You can choose to pay in full by credit or debit card. Alternatively, you can take advantage of our interest free monthly payment option and simply spread the payments out, without any additional cost.

Our Mechanical Breakdown option provides cover for repair costs to electrical instruments & equipment, purchased from new, up to 5 years old and outside of any other warranty. Unfortunately, we are unable to cover laptops, tablets, desktop computing equipment and related accessories with this cover option.

Yes, if youre a customer incepted after 23rd September 2019, you can make changes to your policy by simply logging in to your online account here, or by getting in touch with our contact centre by either:

You can add or delete insured items and change some aspects of your policy. Note that additions will incur additional costs. Additional premiums are charged on a pro rata basis from the date of change. Any cover options that you choose can only be added or removed when you first buy the policy or at renewal.

If you bought your policy before 23rd September 2019 please call us on: 0333 004 3888 or email us at: support@guardcover.co.uk

All insured items claims are subject to the following excess unless otherwise stated on your insurance schedule:

  • Cover for Insured Items - Excess payable = £75
  • Mechanical Breakdown for Insured Items - Excess payable = £75
  • Public Liability Property Claims - Excess payable = £500
  • Public Liability Injury Claims - Excess payable = Nil

For Public Liability claims, the first £500 of each claim arising from damage to third party property.

You need to tell us about any music related losses or claims you have had within the last three years whether insured or not. It is important that you make an honest disclosure of any previous claims or losses, as if not this could invalidate your cover.

This depends on the options you choose. Included as standard with your policy, you are covered to take your DJ equipment anywhere in the UK and up to 30 days worldwide in total during your period of insurance. If you need more extensive cover, you can choose our Global Travel option, which will extend your worldwide cover for the full policy period.

Whilst in transit, and under the responsibility of your transport provider, your gear isn’t covered if it is stolen and accidental damage cover only applies if your DJ equipment is in a purpose-built storage case.

Provided the equipment is in a rigid-bodied purpose designed equipment case, it is covered for accidental damage. We regret that loss of baggage containing your equipment or theft of an insured item whilst under the responsibility of a transport provider is not covered with musicGuard.

At your insured location (This is where your instruments are usually kept and should also be your main place of residence or your music business premises or studio): For cover to apply while your instruments are at your insured location, the insured items must be kept within the main structures of your insured location and all normal security protections are in force.

Cover in an unattended vehicle: Theft or attempted theft from a vehicle will only be covered if your insured item is stored out of sight, in an enclosed storage compartment, boot or luggage space. All vehicle doors and windows must be closed and securely locked, and all vehicle security systems activated.

All insured items need to be removed and stored inside your insured location when your vehicle is at your insured location. In-vehicle cover does not apply when the vehicle is at your insured location.

Accidental damage that occurs in a vehicle is only covered if the insured item is in a purpose-designed equipment case. If your musical instruments are in transit with an airline transport provider, see the FAQ relating to airline cover.

For any theft claims, whether at your insured location, storage location or from a vehicle, you need to report the incident to the police and there must be evidence of forcible and/or violent entry or evidence of unauthorised access.

Making a claim with musicGuard

We’ve made making a claim so easy

If something has happened to you or your DJ equipment has been stolen or damaged, we know how distressing it can be. That's why we'll do everything possible to deal with your claim promptly. 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 youve been the victim of theft or malicious damage to your DJ equipment, 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 3888 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.

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Your policy document explorer

Take a moment to explore the details of your cover in the policy documents below.

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.

You can email us at: support@guardcover.co.uk or call us on: 0333 004 3888

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.