Your Instrument Optimally Protected
Your musical instrument is more than an object – it is your passion, your voice, your investment. Whether you hobby musician, conservatory student or professional musician you: a damaged or stolen instrument is a disaster.
But is your instrument properly insured? A standard home contents insurance policy covers musical instruments up to a maximum of €15,000 (along with other special assets) and indoors only. For performances, rehearsals and transport you need one Instrument insurance or valuables insurance necessary.
At Finass Verzekert we compare specialized insurers and find the perfect cover for your instrument – at home, on the road and on stage.
Which Instruments Can You Insure?
All types of musical instruments can be insured, from classical to electronic:
Guitars
Acoustic, electric, bass
Piano & Keyboard
Grand piano, digital, stage piano
String instruments
Violin, viola, cello, double bass
Wind instruments
Saxophone, clarinet, trumpet, flute
Drums & Percussion
Drum kit, cymbals, electronic
Amplifiers
Guitar amp, bass amp, PA
DJ & Studio
Mixer, controller, interface
Microphones
Capacitor, dynamic, wireless
Popular Brands
Home contents insurance vs. Instrument insurance
❌ Standard Home Contents Insurance
- ✕ Special assets max. €15,000
- ✕ Covered indoors only
- ✕ Performances not covered
- ✕ Transport not covered
- ✕ Current value benefit
- ✕ Equipment limited
✓ Instrument insurance
- ✓ Higher limits (customization possible)
- ✓ Worldwide insurance (24/7)
- ✓ Performances & rehearsals covered
- ✓ Transport also insured
- ✓ New value / appraisal value
- ✓ Amplifiers & equipment up to 20%
What is your instrument insured against?
Fire & Water
Fire damage, water damage, fire damage
Theft & Burglary
Burglary, theft, robbery
Fall & impact damage
Dropping, knocking over, breaking
Transportation
Car, train, plane
Performances
Stage, festival, concert
Music school
Conservatory, rehearsal
For Every Musician
🎸 Hobby musician
Play at home and rehearse occasionally? Your home contents insurance + outdoor coverage may be sufficient. We check whether your current policy is sufficient.
🎓 Student / Conservatory
Do you travel with your instrument every day? Special instrument insurance with worldwide coverage is essential. Including master classes and competitions.
🎤 Semi-professional
Weekend performances? Provide coverage during transport and on stage. It is advisable to insure equipment.
🎼 Professional Musician
Your instrument is your income. Customized insurance with the highest coverage, worldwide, including tours and studio recordings.
How much does instrument insurance cost?
The premium is average €5.75 per €1,000 insured value per year (plus 21% insurance tax). This includes worldwide coverage and all-risk.
💰 Premium indication per year
| Instrument | Value | Premium/year* |
|---|---|---|
| Electric guitar | €2,000 | €14 - €25 |
| Acoustic piano | €5,000 | €35 - €60 |
| Violin | €15,000 | €86 - €150 |
| Cello | €25,000 | €145 - €250 |
| Vintage guitar + amp | €10,000 | €58 - €100 |
* Excluding 21% insurance tax. Exact premium depends on coverage and insurer.
📋 Valuation for Musical Instruments
For valuable instruments (above €2,500-€5,000), a valuation report is recommended. This explains the replacement value fixed and prevents discussion in the event of damage.
- → String instruments: 1.75% - 2.5% of the value
- → Simple valuation: approximately €50-€70
- → Extensive report: including endoscope photos, condition
- → Vintage instruments: regular revaluation (increase in value)
- → Purchase receipt: often sufficient for new instruments
💡 Tips for Musicians
- ✓ Save purchase receipts – essential for valuation
- ✓ Take photos – document your instrument including serial numbers
- ✓ Check your home contents policy – what is covered, what is not?
- ✓ Invest in a good suitcase – prevents damage
- ✓ Never leave visible – theft from a car is viewed critically
- ✓ Band or orchestra? – ask for a collective policy
