Individual Musicians

Musicians Insurance Features & Benefits

Our Individual Musicians insurance is designed around you and can be tailored to meet your needs on a per instrument basis. You can quote and buy online or our highly experienced team can help you arrange  your  Musical Instrument Insurance by phone.

What we offer...

Our Harmonic policy provides cover for your instruments against accidental damage, loss, and theft, the policy can also be extended to include your liability for damge or injury to other people or their property. 

• Cover for accidental damage, loss, and theft.
• Cover can be at your premises, United Kingdom or worldwide depending on how you use each instrument.
• Standard cover comes with £0 excess (£100 and £250 available) in the event of a claim.
• Theft from an unattended vehicle included as standard.
• Cover for single and multiple instruments all on one policy.
• Our policy allows you to choose unique cover on an individual instrument basis
• Harmonic will cover your instruments regardless if you are a paid musician or you are just playing for your own enjoyment at home.
• Free cover for £750 worth of musical accessories (per claim limit of £750) and anything else you use to play your instrument that is valued between £10 and £350.
• Courier costs are covered in the event of a claim up to £250.
• Hire costs in the event of a claim up to £1000.
• Cover is included for instruments (loan/approval) valued under £3,500 for up to 21 days that you become legally responsible for.
• Depreciation after a covered repair if your instrument has reduced in value due to the damage.
• Postage cover when you send an item off to be serviced (return cover should be covered by the repairer) subject to the territorial limits selected for that item.
• Temporary loan cover for anyone using your instruments with your permission on items valued up to £25,000.
• Public Liability cover including Music Teaching is available as an add-on to your policy up to £1, £2 or £3 million.
• Discounts for ISM, BFS, MU members and many more musical associations