Who we cover

Insurance for all types of musicians

Musicians we cover at musicguard

What kind of musician are you?

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 piano student, a budding DJ, or anything in-between. We understand that music is for everyone and that’s why our policies are designed to suit musicians, no matter their level of expertise.

Amateurs

Amateurs

Just starting out in your music career? Or do you enjoy playing in your spare time? At musicGuard, we understand how much playing music means to you, so for entry-level musicians, having the right cover is important. Our policies can help protect your instruments against accidental damage (including vandalism), attempted theft and even fire damage in the UK and abroad (up to 30 days).

DJs

As a DJ, it's your job to keep the party going! If your mixing decks and equipment have been damaged or have been stolen, you don't need to wait until you can afford a replacement. At musicGuard, we can offer cover that can help protect you and your DJ equipment from theft and accidental damage, vandalism, attempted theft and fire damage, up to the value of £50,000.

DJs
Music teachers

Music teachers

We know that to provide your students with your undivided attention it helps to have as little stress as possible. That’s why with our cover, we can take care of things so that you don’t need to worry. We've done our homework, to find out what works best for you. With our policies, it doesn’t matter if you’re in the studio or whether you’re travelling back and forth between lessons, we can make sure that you’re protected while you teach.

Semi-professionals

Are you and your band making a name for yourselves on the local music scene? Perhaps you’ve started to get regular party bookings as a DJ? Our cover takes care of each section of the orchestra, as well as the members in your four-piece band. If music is your passion, but maybe not your primary source of income, we can still make sure that you and your equipment are looked after while you're performing.

Semi-professionals
Professionals

Professionals

If making music is how you earn a living, we know that the safety of your equipment is paramount as any damage to your instruments is more than just an inconvenience, it can have wider implications for your work life. Your work may even take you overseas to perform at concerts or gigs, so that’s why our policies can provide you with cover whether you’re travelling abroad or staying closer to home.

Students

Music is a great way to spend your downtime away from your studies and, knowing this, we can offer protection for your instrument against theft, knocks or scrapes. You may even be studying a music-related degree, and will understandably want to make sure that you can get a your gear replaced if the worst happens. So, if you're a student musician, take a look and see what we can offer you.

Students

Frequently asked questions about music insurance

Want to find out more about our music cover?

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

  • Cover
  • Security
  • Travel
  • What is Public Liability insurance? 
  • Do I need Public Liability insurance before I start playing gigs?
  • Can I include others on my insurance cover?
  • Do you cover mobile or smart phones?
  • Can I get insurance for a one-off event or just for a few days or weeks?
  • How do you determine a like for like basis, should the item not be repairable?
  • If I choose the Mechanical Breakdown option, is all of my equipment covered?
  • What value should I insure my instruments for?
  • Can I get cover for any music-related Loss of Earnings?
  • What is the minimum / maximum age to get cover?
  • Can you cover two addresses on the one policy?
  • Can I set up a policy on behalf of someone else?
  • How can I pay for my policy?
  • Can I add or make changes to the policy at any time?
  • Is there an excess on this policy?
  • I have previously made a claim. Will this affect my cover?
  • Are there any security requirements for my vehicle or where my instruments are kept?
  • Am I covered to take my instruments abroad?
  • If I’m travelling on an airline with my instruments, am I covered?

Making a claim with musicGuard

We’ve made making a claim so easy

If your music 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 you’ve been the victim of theft or malicious damage, 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 1999 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.

Your policy document explorer

For customers whose policy started before 1st January 2021, you can access your policy documents here.

Existing customers: If you have an existing policy before September 23rd 2019, 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.