Guitar insurance

Protecting guitar players in the UK for over 20 years

curved

Insurance for guitars from musicGuard

Protection for your guitar and accessories

No matter what guitar you play; bass, electric, acoustic, lapsteel/pedal steel guitars, or anything in-between, our cover will help keep your guitar and accessories protected if the worst should happen.

Over 20 years of Guardcover, supporting your passion

curved

Why protect your guitar with musicGuard?

See what our specialist cover can offer musicians and their guitars at musicGuard

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.

Specialist guitar insurance from musicGuard

What am I covered for?

We know how important a guitar is to any music lover, so if you play in your spare time or if you’re a professional musician, we can provide you with the cover you need to keep you rocking.

What happens if your guitar is damaged?

If your guitar is stolen from your home or studio or has suffered damage to the headstock whilst setting up for a rehearsal session, musicGuard is there to help you. Our cover includes theft and accidental damage, vandalism, and attempted theft. Security requirements apply.

How can we replace your guitar?

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

Got a gig overseas?

If your latest gig takes you abroad or your guitar just simply goes where you go – no problem. We automatically include UK-wide cover and up to 30 days of worldwide cover for your insured guitar. Included with all polices purchased after 23/09/2019. Our Global Travel option can take you and your kit abroad for longer with 365 days worldwide cover.

Is your guitar covered while its in your car?

Keep your guitar safe when you're on the road. We automatically include in-vehicle cover and up to £300 cover for damage caused to your vehicle at the same time as the theft or attempted theft of your insured guitar. Storage and vehicle security requirements apply.

How can we support 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 guitarist. Cover only applies to pre-booked music related earnings.

What if you need to rent a guitar?

If you’re making a claim with us but still need a replacement guitar, then don’t worry. It’s covered as part of our claims service, with up to £2,000 of guitar 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.

Guitar insurance

Optional guitar insurance cover

Global Travel - If you’ve got a string 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 band or group members who work alongside and support you as a guitarist. Excludes North America.

Mechanical Breakdown - Covers repair costs to electrical gear, guitars and basses (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.

find out What’s covered with musicGuard

What musical instruments are covered with musicGuard?

Frequently asked questions about guitars

Want to find more about our guitar cover?

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

Unlike the violin, viola, and double bass, the guitar is played by plucking strings rather than bowing. Traditional string instruments are played with a bow. Nevertheless, guitars and the string instruments that you’d find in an orchestra are grouped together in a musical instrument classification known as ‘chordophones’.

Bass guitars tend to have four strings. These are tuned E, A, D and G, which incidentally are the four lowest strings on a standard guitar.

Guitars have 5 major chords. These are E, G, C, A and D. A chord refers to a set of notes played on a guitar.

When it comes to learning the guitar, many beginners may want to start learning on an acoustic guitar. Acoustic guitars tend to be cheaper and you can start playing straight off the shelf. Unlike the electric guitar, there’s no need to buy an amplifier to hear your sound.

Public Liability (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 musicians and what Public Liability cover can protect you against, you can consult our policy wording here.

Many venue owners may require musicians to have Public Liability insurance before they can play gigs. Public Liability insurance can cover you if you were to hurt someone or damage their property while you’re performing and for which you are then held liable.

When you are insuring your guitar; 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 band or group members who help support you in your music.

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

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

Any offer we make to you will be determined by the features and specification of the insured item claimed for. This is based on the current market equivalent for products of a similar quality and specification and not the original cost of the item.

Our Mechanical Breakdown option provides cover for repair costs to electrical instruments and equipment, guitars and basses that you purchased from new, are no more than 5 years old and are outside of any other warranty. Unfortunately, we are unable to cover laptops, tablets, desktop computing equipment and related accessories with this cover option.

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.

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.

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.

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 musical instruments 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 musical instruments are in a purpose-built storage case.

Provided your musical instruments are in a rigid-bodied, purpose designed equipment case, they are covered for accidental damage. We regret that loss of baggage containing your instruments 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 (must be brick or stone built) 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 your guitar 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 guitar, 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.

curved

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.