Musical Equipment Insurance

For solo performers, bands and orchestras

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E&L® Musical Equipment Insurance provides competitive, low cost insurance for your musical instruments and equipment.

  • Cover available for musical equipment valued up to £30,000
  • Choice of All Risk or Room Only cover
  • All types of musical instruments covered
  • Theft, accidental damage and loss, replacement hire, personal accident and public liability cover included as standard
  • Unattended vehicle cover and up to 120 days Worldwide cover included in our All Risk policy
  • Up to 2 years new for old cover on offer
  • 15% online discount

E&L® Musical Equipment Insurance is ideal if you're a solo performer, part of a band or an orchestra. Whether you play an instrument for enjoyment at home or tour the country gigging as a semi-professional, we have an insurance policy that is suitable for you.

You can choose Room Only or All Risk cover:

  • Room Only Insurance: Cover at the risk address only. For example in a recording studio.
  • All Risk: Insurance cover for equipment that may be moved from the risk address. For example to a gig or if you travel abroad. Ideal insurance policy for mobile musicians.

You can choose the type of equipment you want to insure:

  • Bandcare: Covers electronic, DJ, disco, percussion equipment etc.
  • Orchestralcare: Covers all types of orchestral equipment such as brass, woodwind, stringed etc.

To be eligible for E&L® Musical Equipment Insurance the following conditions must be met:

The policyholder is a UK resident aged over 18 years
You must meet our security requirements

Please see the Musical Equipment Insurance Policy Wording for full eligibility criteria.

Policy Summary

The policy summary gives an overview of the benefits our musical equipment insurance provides

Musical Equipment Insurance Policy Summary

Policy Wording

The policy wording outlines full details of our musical equipment insurance terms and conditions.

Musical Equipment Insurance Policy Wording

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The following discounts are available on E&L® Musical Equipment Insurance:

  • 15% online discount

The total maximum discount per policy is 20%.

Introductory discounts provided only apply to new policies taken out online.