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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
  • 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 FAQs for any questions.

Musical Equipment Policy Information

  Monthly1 Yearly
Theft, Damage and Accidental Loss

Cover for theft, damage or accidental loss to the insured equipment up to 100% sum insured value. Including attended in transit risk, up to 100% of the sum insured or market value if less.

100% sum insured or market value if less 100% sum insured or market value if less
New for Old

If your equipment is totally destroyed or stolen within two years of new (monthly policies) or one year of new (annual policies), sum insured or the new market value if less will be paid.

100% within 2 years of new 100% within 1 year of new
Hire of Replacement Equipment

Cover extends to include any additional expenses necessarily incurred in hiring alternative equipment as a result of an insured loss.

£4,000 £3,000
Personal Accident

Covers accidental bodily injury while using the insured equipment resulting in one of the following: (a) death, (b) loss of total sight, (c) loss of one or more limbs, (d) deafness in both ears, (e) permanent total disablement.

£10,000 £7,500
Public Liability

Third party, legally liable claims and costs, arising out of your use of the insured equipment.

£1.25m per incident £1m per incident

Security Requirements

Please see our Musical Equipment Security Requirements document.


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:

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

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.

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.