Harmonic is a musical instrument insurance policy most suitable for PROFESSIONAL or SEMI PRO musicians, BANDS, BRASS BANDS and KEEN AMATEURS who:

• Have instruments of value exceeding £1500 or require worldwide cover
• Take a lot of equipment out of home
• Undertake regular gigs and concerts
• Travel and play overseas
• Might be paid to play
• Require public liability insurance (third party liability insurance)

The features of the Harmonic policy are:

• Cover for loss, theft or accidental damage
• Unlimited sums assured
• Options of Worldwide cover, EU only and Premises only
• Public liability excluded but option to include at £1m, £2m or £5m
• No excess as standard, but the option to include an excess of £100 or £250

Harmonic is designed as a musical instrument policy for professional or semi pro musicians or keen amateurs. Please also see Products for summary of cover and FAQ

For a great value quote, click here       *** SAFARI users (mac etc) please call Newmoon as our system is currently being upgraded and this may affect your ability to obtain an online quote. Thank you***

If your instrument is over £10,000 in value please phone 0845 0728540 for our special rates which are not available online 

Click here to view the Summary of Cover Document

Click here to view Policy Document