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General advice on Mandolin Insurance

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

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

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

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

  • 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 Mandolin 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). 

Mandolin insurance players should still look after their instrument as Mandolin insurance cannot cover everything and the following guidelines are we hope helpful:-

Fretwood – clean each time you replace strings. Polish on occasions.

Temperature changes. Try to let the instrument warm up naturally in a room before playing and avoid extreme temperatures.

String – wipe regularly with a bit of oil and maintain tension as recommended by the manufacturer. If not is use on a regular basis consider tension being brought to three half tones.

Case – consider keeping the instrument in a case when not in use or on a stand.

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


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