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General advice on French Horn Insurance

Before you buy music insurance, musical instrument insurance or any French Horn insurance consider the cover you require. You may be covered under Brass Band insurance - it’s worth asking. You should consider how you play your French Horn. 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 French Horn 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 French Horn affect your Contents No Claims Discount (if applicable).

  • Will your contents insurers know where best to repair your French Horn/brass instrument?

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

  •  A specialist policy covers your instrument in and outside the home for the ROI and can be extended to cover the French Horn / brass instrument 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 your French Horn / brass instrument.

  • 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 policy

In addition to French Horn insurance/ brass instrument insurance you may be asked to play in public. Often you are then asked for music Public Liability cover (musician liability insurance). MIS Underwritingcan provide cover for Public Liability.

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

Cleaning. Always clean the French Horn before putting away as finger prints/ marks will tarnish the French Horn.

Oil. Follow manufacturers advice and oil – normal under value caps and bearing next to the top value stops and value springs.

Slides – whilst these will be cleaned on a regular basis the slides will on occasions require a comprehensive clean!

General maintenance – Keep in case when not in use. Lift out by bell and larger tubing. Avoid eating prior to playing.

Bath time!- Every few months you will need to wash out the inside of your Horn! Read the instructions!

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

Didn't find your question?

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