Royal Philharmonic Society
Specialist music insurance
Specialist music insurance from musicGuard
Protect your music equipment
With over 20 years of experience protecting musicians, we are excited to be partnering with the Royal Philharmonic Society! So, whether you're at home or playing at a concert, wherever you're performing you can be confident that we've got you and your music equipment covered.
Why choose musicGuard?
We understand that music is a way of life for some people, but no musician whether a professional or amateur wants to be on the end of a nasty surprise. With our specialist music insurance, we can help keep you focused on making music.
Over 20 years of Guardcover, supporting your passion
Why protect your instruments with musicGuard?
See what our specialist cover can offer musicians and their instruments at musicGuard
20 Years of Experience
We know what it takes to protect the things that matter to you.
Quick and Simple
It only takes a couple of minutes to get a quick and easy quote.
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 music insurance from musicGuard
What am I covered for?
We know how important your music equipment is, so if you like to play in your spare time, we can provide you with the cover you need to keep you rocking.
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Theft and Accidental Damage
What happens if your music equipment is damaged?
If your music equipment is stolen from your home or studio or has suffered damage, musicGuard is there to help you. Our cover includes theft and accidental damage, vandalism, and attempted theft. Security requirements apply.
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New for Old Cover
How can we replace your music equipment?
We understand what your music equipment means to you, which is why we offer genuine new for old replacement. As long as you’re able to demonstrate the original value, then we won’t depreciate the value of your equipment.
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Cover Abroad
Got a gig overseas?
If your latest gig takes you abroad or your music equipment 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 equipment. Our optional Global Travel cover can take you and your kit abroad for longer with 365 days worldwide cover (Public Liability excludes United States of America and Canada).
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In-Vehicle Cover
Is your music equipment covered while it's in your car?
Keep your music equipment 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 equipment. Storage and vehicle security requirements apply, cover is not applicable when the vehicle is at your insured location.
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£100,000 Legal Expenses Cover
How can we help if you're involved in a legal dispute?
All our policies now include extra legal protection through our Legal Expenses cover, which is automatically included with all our policies purchased or renewed after 23rd June 2024.
We provide up to £100,000 of legal expenses cover, within the UK, for incidents related to certain contract and tax disputes, as well as legal defence work. In addition, we also include our Legal & Tax Advice helpline and online support through our Business & Consumer Legal Services portal.
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Loss of Earnings
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 you:
- £800, or
- 75% of your lost music related earnings (whichever is lesser)
Cover only applies to pre-booked music related earnings.
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£2,000 Equipment Hire
What if you need to rent music equipment?
If you’re making a claim with us but still need replacement equipment, then don’t worry. It’s covered as part of our claims service, with up to £2,000 of equipment hire available if you need it - we’ll just need to approve it before you do. Cover applies in the UK, with up to £250 claims hire cover abroad available with our optional Global Travel cover.
Optional extras for your instrument
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 or £10m Public Liability - You can increase your liability cover to either £5m or £10m and choose to extend the cover to include up to four band or group members who work alongside and support you as a guitarist. Excludes North America.
Mechanical Breakdown - Covers repair costs to equipment (less than five years old) that breaks down outside of its warranty, so you’re not left empty-handed for your next set. Excludes computing equipment.
Your policy document explorer
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.