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General advice on Cello Insurance

Before you buy music insurance, musical instrument insurance or any Cello insurance, consider the cover you require. You should consider how you play your Cello. We hope that the following may help you consider what options are right for you:-


That depends, consider the following...

  • If you take your instrument out of the home, say to school or a gig, you will need to check that your household policy covers this (normally an out of home extension is required).

    • Most home policies require theft involving force but in practice Instruments are most often left in unlocked rooms or store rooms.

  • This extension will normally have a single item limit. Is your Cello below this limit?

  • Will it cover loss/theft from a building e.g. a concert hall/ school or if left on a school bus?

  • What is your policy excess (typically €100, €250 etc.).

  • Will a claim following damage to your Cello affect your Contents No Claims Discount (if applicable).

  • Will your contents insurers know where best to repair your Cello?

  • If you damage your Cello would your contents policy pay for a loan of a Cello to enable you to continue to play?

  •  A specialist policy covers your Cello in and outside the home for the ROI and can be extended to cover the Cello on a worldwide basis.

  • A standard €0 policy excess applies (although you can consider taking an excess if required).

  • Policy extensions to include loaning of a Cello.

  • Other benefits include:

    1. Worldwide, UK and Premises only cover options

    2. Theft cover

    3. Accidental damage cover

    4. Loss cover

    5. Unspecified musical accessory cover comes as standard (limit €350)

    6. Unattended vehicle cover

    7. Hire costs in the event of a claim

    8. 14 days free cover when you borrow/acquire a new instrument (limit €3,500)

    9. ROI wide repair network

  • Depreciation cover is included as standard within MIS Underwriting musical instrument policy.

In addition to Cello insurance on the instrument you may be asked to play in public – for example at weddings. Often you are then asked for music Public Liability cover (musician liability insurance). MIS Underwriting can provide cover for music Public Liability.

Whilst MIS Underwriting provide comprehensive Cello insurance, players should still look after their instrument as Cello insurance cannot cover everything and we hope the following guidelines are helpful:-

Bow. Check the bow before you play – does it need adjustment/tightening or do you need to apply rosin or similar.

Strings. Are these tightened correctly? If you change a string please check it fits the groove at the neck and bridge.

Fingerboard. Check join between the fingerboard and neck as these can become unglued (not insured under a Cello insurance policy unless following insured damage).

Soundpost. Check fitted to your needs and playing style (pressure, use of bow etc). If the soundpost falls over always slacken off the strings as the unsupported front may crack or distort when under tension.

Case. Always seek to use a case when transporting your Cello or not in use.

Temperature. Let your instrument warm up to room temperature before playing. Try to avoid leaving in extreme hot or cold as this will damage the instrument (not insured under Cello insurance).

Ask - Your local retailer will provide you with the best advice and servicing.


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