Basic cover
- Fire & lightning strike
- Burglary & theft at home
- Explosion & smoke
- Water damage at home
Musical instrument insurance through Hienfeld
Instrument insurance covers the instrument itself, on the road and on stage, and that is something other than the business contents or home contents cover it would otherwise fall under.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands · Deutsch
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Instrument insurance is all-risks property cover on a specifically named object: the instrument, its case and often the accessories directly attached to it. Unlike business contents insurance, the cover is not tied to an address, because an instrument travels to rehearsals, recordings and performances. That is exactly where the risk lies.
The insurance is intended for professional musicians, orchestras, music schools, churches and hire companies. For older and hand-built instruments the value is established by valuation, because a purchase invoice rarely reflects the current value.
We set the conditions and the premium from Hienfeld alongside those of other providers in this segment and look above all at three points: the area of cover, what applies if the instrument is left in a vehicle, and whether any reduction in value after repair is paid. See also our pages on business art insurance and public and employers' liability.
The same independent view, whatever insurer
We work with dozens of insurers and choose whichever fits your situation best — not whichever pays us the most. That means advice built around you, not around one brand.
InsurersPhoto coming soon
IndependentPhoto coming soon
AdvicePhoto coming soon
Through Finass or direct with Hienfeld?
The structure of the cover in three parts, with an overview per situation below.
Extended cover
As well as the basic cover, also protection against loss, damage and theft away from home, including from external causes.
- Theft outside the home
- Loss
- Damage from dropping or knocking
- Valuation & appraisal
Comprehensive worldwide
The most complete cover. We compare Hienfeld's extended version with the market.
- New-for-old settlement
- All risks: any sudden damage
- Worldwide cover
- Disappearance without a cause
What we do
| What we do | At Finass | Direct with Hienfeld |
|---|---|---|
| Comparison across several insurers | Yes | No |
| Advice based on your own situation | Yes | Sometimes |
| One point of contact for claims | Yes | Sometimes |
| Cancellation with your current insurer arranged | Yes | No |
| We determine whether Hienfeld is the best choice | Yes | No |
| Advice fees for you as a customer | No | No |
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
What does your premium depend on?
- Valued or declared amount. The main basis of calculation. For a collection it is the total of the objects declared.
- Type of instrument. A wooden stringed instrument is more vulnerable to climate and breakage than a metal wind instrument.
- Area of cover. The Netherlands, Europe or worldwide; tours outside the area need to be discussed in advance.
- Use. Practice at home, professional performance or hire to third parties produce different risk profiles.
- Storage and transport. Where the instrument is kept when not in use and how it is transported weighs in the acceptance.
- Excess and claims history. A higher excess reduces the premium; earlier claims work through into the rate.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
A valuation instead of a purchase invoice
For stringed instruments, old wind instruments and hand-built pieces the purchase price says little about the current value. A prior valuation records that value and binds the insurer to it; Article 7:960 of the Dutch Civil Code allows this as long as you gain no advantage from it. The report has a limited period of validity. Once it expires, market value applies again and you lose the benefit of the fixed figure.
Where and when the instrument is covered
Check the area of cover: the Netherlands, Europe or worldwide, and whether tours outside that area have to be reported in advance. More important still is leaving the instrument in a vehicle. Many sets of conditions exclude theft from an unattended vehicle altogether, or cover it only during the day, out of sight and in a locked boot. An instrument left in the van overnight almost always leads to argument.
What is not included
Parts that wear out through use are excluded: strings, bow hair, reeds, skins, pads and mutes. Gradual damage also falls outside, such as warping or cracking through dryness, damp or changes in temperature, and ageing of the varnish. Inherent defect and damage from unskilled repair carried out by you are likewise excluded. Transport without a sound case is regarded by many insurers as insufficient care.
Lending, hiring out and playing by others
If a stand-in or a pupil plays the instrument, or you lend it to an ensemble, check whether the cover continues to apply and who counts as insured in that case. Commercial hire is normally a separate basis with its own conditions. Record for each loan who has the instrument and in what condition it was handed over. Without that record, damage cannot be attributed afterwards.
Theft & loss
New for old
Frequently asked questions
This is what people ask us most.
Is my instrument covered during a performance abroad?
That depends on the area of cover agreed. If the policy says Europe and you play outside it, there is no cover without an extension. If you occasionally travel further, report it in advance and have the extension confirmed in writing. Note too that air transport sometimes imposes additional requirements on the case and on the way it is checked in.
What if the instrument has been stolen from the car?
Theft from an unattended vehicle is excluded or strongly limited in many sets of conditions. Where there is cover, it usually applies only during the day, with the instrument out of sight in a locked boot and with signs of forced entry. An instrument left in the car overnight nearly always leads to refusal for want of care.
Is a reduction in value after a repair paid?
Not automatically. A repaired instrument can be worth less than before the damage, even when it plays well again. Some policies have separate cover for reduction in value, others pay only the repair costs. Ask about this expressly and have repairs carried out by a maker or restorer the insurer accepts, otherwise that claim falls away as well.
Are strings, reeds and bow hair insured as well?
No. Parts that wear out or break through normal use fall outside the cover, as do skins, pads and mutes. The insurance is intended for damage from a sudden event, such as a fall, fire or theft. Gradual damage from dryness, damp or changes in temperature is also excluded, however expensive the repair.
Every situation is different. For these situations we have a separate page.
- Why we work with different insurersThe main page
- Road users' insurance via Turien & Co
- Commercial fine art insurance through Hienfeld
- Musical instrument insurance through HienfeldValuation, transport, climate
- Kidnap and ransom insurance through Hienfeld
- Travel insurance through Hienfeld
- Business travel insurance through Hienfeld
Read more
Within Why we work with different insurers
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.