Our website uses cookies to give you the best possible online experience. If you continue to use our website we will assume you are happy for your web browser to receive our cookies. See our cookie policy page for more information on cookies and how to manage them.

Musical Equipment Insurance from E&L

Online Discount

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
  • 25% 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.

Check our musical equipment FAQ's for any questions.

Musical Equipment Policy Information

  Monthly1 Yearly
Theft, Damage and Accidental Loss 100% sum insured or market value if less 100% sum insured or market value if less
New for Old 100% within 2 years of new 100% within 1 year of new
Hire of Replacement Equipment £4,000 £3,000
Personal Accident £10,000 £7,500
Public Liability £1.25m per incident £1m per incident

Security Requirements

Please see our Musical Equipment Security Requirements document.

Excess

The excess is the amount you pay towards a claim. It is £110 on all sections except Public Liability claims where the excess is £160.

1. Lunar monthly policy (more information)

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

  • 25% online discount

The total maximum discount per policy is 25%.

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

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

  1. The policyholder is a UK resident aged over 18 years
  2. 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

To view the above PDFs Adobe Reader must be installed.

Register a Claim

Several of our claim forms are available to download online in PDF format. After completing the form you will be provided with a download link to your requested claim form which you can simply print out, fill in and either fax or post to us.

To complete the form please click here

View our Testimonials pages.

Music Insurance FAQs

If the following FAQs don't answer your query please have a look at our General FAQs or our Leisure and Lifestyle Insurance FAQs sections.

  • Am I covered to take my musical equipment abroad?
  • If you have selected one of our All Risk policies you are automatically covered for up to 120 days overseas within a 365 day policy period.

  • Back to top
  • Are there an items not covered on this policy?
  • We cover most items with the exception of consumables such as leads and cables. Laptop equipment and computers can be covered if they are used in conjunction with the musical equipment and business. Karaoke machines can also be covered.

  • Back to top
  • Do you insure recording studios?
  • We are able to cover the musical equipment in the studio although we are unable to insure the building itself.

  • Back to top
  • Is my policy still valid if I loan/lend the musical equipment to a friend?
  • No, the cover is only applicable for yourself, for your use.

  • Back to top
  • Is there a limit for any single item I propose to insure?
  • The single item limit on this policy is £7,500.

  • Back to top
  • What information do you need to start cover?
  • As well as asking you for your full contact details we require details of the risk address where the equipment is stored and a list of all equipment providing details of the make and models. We require serial numbers for items valued over £1000, although allow you 21 days to provide these.

  • Back to top

Do you need musical insurance?

For many people, performing and enjoying music is a necessary part of life - whether it's their livelihood, or a relaxing hobby that allows them to escape the pressures of the world around them.

Of course, owning a musical instrument - or other related equipment like DJ gear - can require significant investment, especially if you want to get the best sound. That's why musical insurance is an important consideration. After all, if the equipment got damaged or stolen, you wouldn't want that to lead to any financial losses.

To protect your instruments and gear, E&L offers comprehensive musical instrument insurance at affordable prices.

No matter what instrument you play, whether it's an electric guitar or a handcrafted cello, the drums or the oboe, you can rest assured that your items will be protected with our musical insurance. And if you're a DJ, there's a policy for your needs too. Contact us today, or get a free online quote.

Things to consider when getting musical insurance

Many musicians and DJs believe that their home contents insurance automatically covers their instruments and other musical equipment. But in many cases this is simply not true. And - if you're one of the lucky minority whose home insurance does cover the gear - it's unlikely that once you step out of your house the protection will still be valid.

With E&L musical instrument insurance and DJ insurance, you can rest assured that your equipment is protected. When purchasing your policy, you'll have the choice between room-only cover, which applies to a single address, or an all risk plan that is relevant across the country or around the world and which includes unattended vehicle cover.

All different types of instruments are covered and protected for a value of up to £30,000 from theft, loss or accidental damage. Our musical insurance policies also include public liability as standard.

There are two payment options available - yearly and monthly. For most of our customers, the monthly musical instrument insurance plan (based on the 28-day lunar calendar) is the preferred option, as it offers a lower monthly payment, better premiums and a higher level of coverage. Those who choose to purchase their insurance online will also enjoy a 25% discount.

Strike the right chord with UK musical instrument insurance from E&L

For more than 70 years, E&L has been providing specialist insurance policies for niche markets. We've helped thousands of customers across the UK and we have built a reputation for dependable insurance and friendly customer service.

If you're a musician or DJ, our music insurance is the perfect choice. If you take part in other activities - such as fishing, photography or camping, we also offer policies that cover the various equipment and risks that are associated with those pastimes.

At E&L, we have been providing niche insurance for more than 70 years. Our musical instrument policies, as well as our other products, have been designed to meet the needs of our customers. Plus, we are dedicated to providing high quality service and comprehensive cover.

If you have any questions about our musical instrument insurance or DJ insurance, be sure to visit our FAQs page. And why not check out our latest music insurance news? We'll be sure to let you know about the latest gigs and concerts across the country, as well as other developments in the industry.