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Musical Instrument Insurance


You can insure any instrument value under Harmonic. Cover for your musical instruments or equipment at or away from home and more. Ideal for any individual players or bands, from beginner to professional. You can add liability cover - see Features below.

What does the product insure ?

Our product provides comprehensive accidental damage, loss and theft cover for musical instruments and can be extended to include Public Liability cover for musicians performance's (if your activities go beyond performances you may require additional public liability cover e.g. event insurance, Holistic/ Therapist cover - we recommend you buy specialist liability cover from various providers for these activities).

Our policy is designed to be totally flexible and allow any value or number of instruments. It provides full annual worldwide cover as well as options for ROI or premises only cover. You can select either €0, €100 or €250 policy excess and cover unattended vehicle cover on an instrument by instrument basis. Premiums start from €28 .

Who is this insurance for?

Our policy is designed for any musician – from a beginner to a seasoned professional. Whether you are paid or play for your own enjoyment, Harmonic is the policy for you.

It caters for musicians whether they play one instrument, have an ensemble of instruments or need overseas cover. You could be a solo performer, a band or band member and even a brass band.

Features and benefits


  • Accidental damage, theft and loss cover

  • Annual premiums from €28.00 including tax and fees

  • Option on an instrument by instrument basis include:-

  • Annual Worldwide, ROI (including Channel Islands), Premises Only cover

  • Unattended Vehicle cover (conditions apply)

  • Policy excess (€0 standard) of €100 or €250

  • Automatic cover for:-

  • Additional instruments €3,500 (for 14 days)

  • Loaning of instruments

  • Depreciation costs

  • Unspecified music accessories €350

  • Hire cover subject to approved claim

  • Travel/postage costs €250 (approved claims only)

Wordings for ROI

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