Business Details
50+ Years
experience
Emergency
services
Specialist Musician Insurance Solutions
Established in 1971, Victor C Knight has built a reputation as a trusted specialist in insurance solutions tailored specifically for musicians, DJs, and music-related professionals. Our expertise spans musical instrument insurance, public liability coverage, motor and home insurance, all designed to meet the unique needs of the music industry. As a small, family-run business, we prioritise personal service and direct client engagement, ensuring policies are customised to individual requirements.Authorised and regulated by the Financial Conduct Authority, we combine decades of industry knowledge with competitive pricing and flexible payment options, including interest-free instalments. Our commitment to innovation and customer satisfaction has solidified our position as a leader in niche music industry insurance, serving both amateur and professional clients across the UK.
Services
Musical Instrument Insurance
DJ Insurance
Public Liability Insurance
Motor Insurance
Home Insurance
Details
- Year established: 1971
Highlights and features
- Established in 1971, we specialise in music industry insurance.
- Authorised and regulated by the Financial Conduct Authority.
- Personalised service tailored to musicians' unique needs.
- Competitive rates with flexible payment options available.
- Comprehensive coverage for instruments, equipment, and liability.
Associations and certifications
- Financial Conduct Authority
Services
Musical Instrument Insurance
We provide comprehensive insurance for all types of musical instruments and equipment, including classical and electronic instruments, studio gear, and computers. Coverage includes theft, fire, accidental damage, or loss, with options for worldwide protection and unlimited professional use. Policies feature zero excess, new-for-old replacements, and free monthly instalments.
DJ Insurance
Specialist insurance for DJs covering equipment such as mixers, lighting, laptops, and record collections. Policies protect against damage in transit, theft, and accidental loss, with optional public liability add-ons. Coverage extends to professional use and includes unattended vehicle protection for gear transported to gigs.
Public Liability Insurance
Tailored public liability insurance for musicians, bands, venues, and studios. Available in coverage levels up to 5 million, this policy protects against claims for personal injury or property damage. It includes up to 10,000 personal accident cover and is available as an add-on to existing instrument or equipment policies.
Motor Insurance
Discounted motor insurance policies for musicians and music professionals. Coverage includes unattended vehicle protection for instruments, class 1 driving cover for business use, and standard motor risks. Policies are designed to complement musical instrument insurance, ensuring comprehensive protection for work-related vehicle use.
Home Insurance
Home insurance tailored for musicians, covering property and contents with specific inclusion of stored instruments and equipment. Policies offer discounts for combined coverage with instrument insurance, ensuring seamless protection for residential and professional music-related assets.
People
Victor Knight
Founder
A jazz musician by trade, Victor Knight founded the company in 1971 after struggling to secure affordable insurance for his double bass. His vision created accessible, specialist policies for musicians worldwide. He retired in 2001 and passed away in 2018, leaving a lasting legacy in music industry insurance.
Questions
Does my motor insurance cover business use?
Yes, our policies include Class 1 cover for business use, unlike standard policies requiring additional endorsements.
Are musical instruments included in motor insurance?
No – instruments require a separate Musical Instrument policy for full coverage.
Do I need serial numbers for insured instruments?
Not mandatory, but advised to speed up claims. Required for computers and laptops.
Can I insure my record/CD collection?
Yes, DJ collections and media are covered under DJ Insurance policies.
Is public liability insurance available standalone?
No – it must be added to existing instrument or equipment insurance policies.
Can non-UK residents get coverage?
No, policyholders must be UK residents, though worldwide coverage is available.
