We have elaborated a specific contract for musical instruments that meets the particular needs of musicians. All musical instruments, whatever their value, age, workmanship (study or craft) and operating mode (electric or not). A certificate of value under two years old is required when taking out the policy. The value written on this document and established by a professional who has a thorough knowledge of the instrument, will be used as a reference for the compensation of losses as well as for the calculation of your premium. It is the value of the instrument on the day of subscription and not its purchase value or replacement value when new. All material accidental damage is covered: fire, breaking, theft, loss… Everywhere: at home, in conservatories, concert halls, in the street… You can choose between a guarantee only in your home or worldwide. The contract has a one year duration with tacit renewal, subject to two months notice of termination. All the repairs are reimbursed within the limit of the value of the instrument as stated in the contract. No deductible is applied except for damage due to natural disasters and climatic or atmospheric phenomena. If necessary and in case of reparable damage, we can take care of: This option is only available for instruments under €15,000 and against surcharge. It covers material losses resulting from the theft or breaking and entering of your vehicle on the express condition that the instruments have been placed in the locked trunk. The guarantee does not apply to vehicles whose bodywork configuration allows the instruments to be seen from the outside, unless otherwise agreed for bulky instruments and against a 15% surcharge. Annual guarantees The minimum premium is €57.39 per year. Temporary guarantees The minimum premium is €63.10 per year. Download the form « Musical Instruments Insurance » Download the booklet « Petit Mémo en cas de sinistre de mon instrument de musique »
Musical Instruments
Which instruments can be insured?
Sound equipment can be covered by a different specific policy. Their accessories such as cases or supports are also covered.
Cases not declared to the contract are covered up to a limit of 300 euros per case, against complete deterioration and theft with the insured instrument.
For what value?
It is strongly recommended that you renew this certificate every five years.
Which risks are covered?
The theft guarantee is very extensive: theft without breaking and entering is covered.
Transport is guaranteed but “theft in a private vehicle" is optional for instruments worth less than €15,000.
Damage due to climatic phenomena or atmospheric variations is covered with a deductible of €120.
In what places?
In which countries?
What is the duration of the contract?
What is the indemnity?
In the event of total disappearance or destruction of the instrument, the compensation cannot exceed the value of the instrument registered in the contract.
If, despite its restoration, the instrument suffers a loss of value, its depreciation is compensated up to 50% of the value stated in the contract.
Additional guarantees :
The optional guarantee “theft in private vehicle"
What is the premium ?
These rates do not include any additional file or registration fees:
We also offer musical instrument insurance for shorter durations, for the time of a concert, an audition or a trial loan for sale.
