Stabilising the natural colour of wood species exposed to light in indoor conditions is a challenge that could be better addressed based on a deeper understanding of the occurring phenomena and influencing factors. This paper investigates comparatively the light-induced colour changes for three hardwood species, namely, European maple (Acer pseudoplatanus L.), European ash (Fraxinus excelsior L.) and European walnut (Juglans regia L.), as well as the influence of finishing with three types of clear, colourless waterborne lacquers: acrylic-polyurethane (F1), acrylic (F2) and polyurethane (F3) on their colour stability. Colour measurements in the CIELab system in conjunction with an artificial accelerated ageing test under the action of UV-VIS radiation, simulating natural light passing through window glass, and two types of test samples were employed to highlight the influence and contributions of the wood substrate and of the coating films to the global colour modifications. Coating films applied on 1 mm clear glass slides were employed as a sort of “detachable” finish for this purpose. Direct exposure to UV-VIS light caused visible colour changes for both uncoated and coated wood surfaces, the values of the calculated colour differences (ΔE) after a 72 h exposure being dependant on both the wood species and the coating material. Excepting two situations for walnut, statistically significantly higher colour differences were obtained for the uncoated samples: maple (9.36 units), ash (8.39 units), walnut (6.20 units), compared to the coated ones: maple (4.92–5.71 units), ash (2.25–3.94 units), walnut (4.74–7.70 units). The wood substrates underlying the coating films were found to bring the maximum contribution to the overall colour changes in the clear coated surfaces, while the coating films employed in this research demonstrated a fairly good colour stability to UV-VIS light exposure, with maximum colour changes (∆E) up to only 1.30 units. Overall, the wood species and the type of coating were found as influencing factors in interaction with the light-induced colour changes in wood surfaces in indoor conditions.