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Charles Art Insurance - Musical Instrument Insurance

Musical Instrument Policy Summary


Significant Features & Benefits

  • Cover for physical loss, theft and physical damage to musical instruments and musical accessories occurring anywhere in the world

  • Cover for accidental damage and depreciation in value following damage is covered

  • Worldwide cover

  • Unrestricted professional use

  • Cover is on an agreed value basis

  • Automatic cover for new acquisitions up to 25% of the sum insured, subject to advising us within 90 days and paying additional premium


Significant Exclusions

  • Wear and Tear.

  • Inherent defect and breakdown.

  • Gradual deterioration.

  • Loss by insects or vermin.

  • Damage by atmospheric conditions.

  • Loss or damage by any process of cleaning, service or restoration.

  • Confiscation and War.

  • Theft or attempted theft of or from any unattended vehicle.

  • Radioactive contamination.

  • Breakage of strings, reeds or drumheads.

  • Theft by persons to whom an item is entrusted.


Musical Instrument Policy Online Application

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