Musical Instrument Insurance
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More information about Musical Instrument Insurance
Which items can be insured?
Musical instruments of all kinds
Cases, cases, boxes etc.
Sheet music, music stand
Public address and amplifier systems
etc.
What is not insured?
Radio, television sets, video recorders
record player
other sound recording and reproducing apparatus
Which claims are insured?
DANGERS – Cover
i.e. Replace in particular damage
Transport, transport accident
Theft, loss
Embezzlement, embezzlement
Robbery, predatory extortion
Swap, leave lying
Fire, lightning, explosion
Water and elementary events
etc.
For which dangers and damages is there no achievement?
Intent or gross negligence on the part of the policyholder and the persons authorized by him / her
Defects that existed when the contract was signed
Riot, plunder, war, high hand, nuclear energy
Mutual or malicious harm, infidelity or theft by family members
ordinary wear and tear (wear), depreciation
Weathering and temperature effects, glue solutions, ordinary paint or Schrammschäden
Where does the insurance apply?
Worldwide
What is the sum insured?
The sum insured must at least correspond to the current value or new value of the respective instrument
If this has been set too low, deductions are made in the event of a claim
What costs are covered in the event of a claim?
It will be replaced:
with a partial damage the repair costs
in case of a total loss the value, at most the insured sum
the loan of a loan instrument during the repair period
Damage reduction costs are covered
the cost of recovering valuables and allowances if they are lost after a break-in or have been destroyed by fire
etc.