Frequently Asked Questions – Insuring a Musical Instrument
Which insurance suits my musical instrument?
Usually, valuables or instruments insurance (separately or as an extension of contents) with worldwide coverage . For more expensive or professional use, a separate instruments policy recommended.
Are performances and professional use covered?
Not always standard. Professional/semi-professional use (performances, studio, teaching) must be explicitly covered by the insurance. We ensure that the quality is correct.
Is theft, robbery and loss insured worldwide?
With an instrument/valuables policy, coverage is usually worldwide , including when away from home and traveling. Check the maximum payouts per event and region clauses .
Is transport and tour damage covered (car, van, flight)?
Often, yes, but leaving it in the car is generally out of the question . For touring: use flight cases , declare the mode of transport, and check coverage during loading/unloading and baggage handling .
Do I need a valuation report (violin, cello, vintage guitar)?
For higher values or vintage items, a recent appraisal report (often ≤ 2–3 years old) is required. For new instruments: the purchase invoice sufficient. For increased value, reappraise .
How do I insure accessories and electronics?
Include suitcases/flight cases, bows, mouthpieces, pedals, microphones, cables, stands, and amplifiers/mixers/synths/DJ gear with the price (individually or as a set). Keep invoices and serial numbers .
Are strings, pads, skins, and normal wear and tear covered?
Usually excluded as wear and tear/maintenance . Coverage applies to sudden and unforeseen damage ; cosmetic scratches are often covered to a limited extent.
Damage due to temperature/moisture (wood movement) — covered?
Limited. Prevent damage with a hygrometer , humidifier , and stabilized storage . Some policies impose preventative requirements for wooden instruments.
Can I lend or rent my instrument?
Lending is often only covered by the policy to co-users . Renting or subletting via platforms usually requires a more extensive clause .
How is damage handled — repair or payment?
Where possible, repair via a certified builder/repair shop. In the event of a total loss or theft, a payout (insured value/current market value) or replacement .
What factors determine my premium and deductible?
Value , use (hobby/professional), travel (EU/worldwide), storage (safe/flight case), damage history , and deductible . We compare multiple insurers.
What information do you need for a quick quote?
Make/model, serial number , year of manufacture, value per instrument, valuation/purchase receipt , photos , use (hobby/professional), storage/transport and travel destinations.
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Please note: exact coverage, limits, and prevention requirements vary by insurer. We compare and provide tailored for both amateur and professional musicians.
