Specialist Insurance for musicians.
Protect what you love with our specialist insurance designed for musicians of every level - protecting your equipment at home, on location, and worldwide.
Up to £50,000 cover for theft, damage and everyday mishaps
Comprehensive cover for amatuers, students and professionals
Quotes tailored to your individual needs
Simple, clear policy terms
Standard insurance doesn't understand musicians.
Home & contents insurance wasn’t built for taking your instruments to practice, on stage, on the bus or on holiday.
Collective is different.
Built specifically for musicians.
What we cover
Comprehensive protection for you and your equipment
Theft
Protection against theft, whether at home or on the move.
Accidental Damage
Cover for unexpected damage sustained at home or away
Unattended Vehicle Cover
Protection for insured items left in a locked vehicle and kept out of sight.
Worldwide Cover
30-days protection while travelling abroad. If selected, option to extend to 365 days.
Equipment on Loan
Cover when equipment is loaned out to friends and family.
Replacement Hire
Temporary replacement equipment while repairs take place. Only available with a paid policy
Mechanical Breakdown
If selected, this option covers against sudden mechanical or electrical failure. Only available with a paid policy
Built for every musician
One policy. Every level.
Whether music is your passion, your study, or your profession, Collective adapts to you.
Ideal for those learning their craft and building confidence with their equipment.
Students
Designed for passionate users who rely on their equipment regularly.
Enthusiasts
Suitable for those working part-time or regularly earning from their equipment.
Semi-Professional
Built for full-time professionals who depend on their equipment every day.
Professional
Insurance, but without the fine-print headaches
Equipment-specific cover
Clear, transparent terms
Designed for real-world use
Support when you need it
Frequently Asked Questions
Straightforward answers to the questions people ask us most.
You should insure your camera for the retail price (without any discounts) from a credible UK retailer.
Yes, you can lend your equipment to friends and family.
Yes, your camera is covered if stolen from the car, provided the car is locked and your possessions kept out of sight to the public.
Yes, our policies can be adjusted to suit your individual needs. You can choose the level of cover, add specific items, and tailor your policy so it reflects what matters most to you.
Claim times can vary depending on the details involved, but we aim to handle claims as quickly and efficiently as possible. Our goal is to keep things moving and minimise disruption during what can be a stressful time.
You should insure your equipment for the retail price (without any discounts) from a credible UK retailer.
Yes, you can lend your equipment to friends and family. Cover is limited to 30 days.
Yes, your equipment is covered if stolen from the car, provided the car is locked and your possessions kept out of sight to the public.
There is standard excess which is 5% of the value of your insured item subject to a minimum of £50 and a maximum of £500. There is also the option to add a voluntary excess, in addition to your standard excess, which will reduce your premium. Please refer to the policy wording for full details.
Protect the things you love.