Frequently asked questions – Insuring a musical instrument
Which insurance suits my musical instrument?
Usually one valuables or instruments insurance (separately or as an extension to furniture) with worldwide coverage. For more expensive or professional use is one separate instrument policy recommended.
Are performances and professional use covered?
Not always standard. Professional/semi-professional use (performances, studio, teaching) must be explicitly insured. We ensure that the capacity Correct.
Is theft, robbery and loss insured worldwide?
Usually with an instrument/valuables policy worldwide, too outdoors and traveling. Check maximum benefits per event and regional clauses.
Is transport and tour damage covered (car, van, flight)?
Often yes, but leave in the car is often ruled out. For touring: use flight cases, declare the mode of transport and check coverage during loading/unloading and at baggage handling.
Do I need a valuation report (violin, cello, vintage guitar)?
Bee higher values or vintage is a recent valuation report (often ≤ 2–3 years old) required. New instruments: usually the purchase invoice suffices. When value increases: re-appraise.
How do I insure accessories and electronics?
Take suitcases/flight cases, bows, mouthpieces, pedals, microphones, cables, stands and amplifiers/mixers/synths/DJ gear up with amount (single or as a set). Keep invoices and serial numbers.
Are strings, paths, heads and normal wear and tear covered?
Generally ruled out as wear/maintenance. Coverage applies to sudden and unforeseen damage; cosmetic scratches are often covered to a limited extent.
Damage due to temperature/moisture (wood effect) — covered?
Limited. Prevent damage with hygrometer, humidifier and stabilized storage. Some policies prevention requirements on wooden instruments.
Can I lend or rent out my instrument?
Lend is often only covered to fellow users on the policy. Rental or subletting via platforms typically requires one extended clause.
How is damage handled — recovery or payment?
Where possible recovery via recognized builder/repair shop. In the event of a total loss/theft, a follow-up usually follows benefit (insured value/current value) or replacement.
What factors determine my premium and deductible?
value, usage (hobby/pro), to travel (EU/Worldwide), stable (safe/flight case), damage history and own risk. We compare several insurers.
What information do you need for a quick quote?
Make/model, serial number, year of construction, value per instrument, valuation/purchase invoice, photos, use (hobby/pro), storage/transport and travel destinations.
More about musical instruments Request a quote
Please note: exact coverage, limits and prevention requirements differ per insurer. We compare and advise custom for hobby and professional musicians.
