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General advice on Flute Insurance

Before you buy music insurance, musical instrument insurance or any Flute insurance consider the cover you require. You should consider how you play your Flute(s). 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 Flute 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 Flute affect your Contents No Claims Discount (if applicable).

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

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

  •  A specialist policy covers your Flute in and outside the home for the ROI and can be extended to cover the Flute 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 Flute.

  • Other benefits include:

    1. Worldwide, ROI 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 insurance policy.

Whilst MIS Underwriting provide comprehensive Flute insurance players should still look after their instrument as Flute insurance cannot cover everything and the following guidelines should be followed:-

Assemble. Take the time to learn how to assemble your Flute. When not playing ensure that the Flute is stored in its 3 pieces.

Warn Up. Blow warm air into the Flute to allow you to tune correctly.

Pads. These will wear out or need adjustment (not insured). If leaks consider replacing pads, check for moisture.


Spring – if key pads fail to lift check that the springs have not become detached


Case – we would recommend your carry your Flute in a case whenever possible


Service. The Flute will require a service (not insured).

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


Support your retailer.

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