Frequently asked questions instrument insurance

The instrument insurance is intended for musicians living in the Netherlands. Both amateur and professional musicians can take out the insurance. You can also contact us for tailor-made instrument insurance for a full orchestra or a professional band. 

Policyholders who have their habitual residence in the Netherlands or, in the case of legal entities, are established in the Netherlands, can apply for instrument insurance from us. From the day you no longer have your residential address in the Netherlands, we can no longer provide cover. We will then have to terminate the insurance as of the move date.

All types of musical instruments can be insured. Besides the instrument itself, the following items can be insured: 

• Covers, cases, etc. 
• Sound equipment such as: loudspeakers, mixing consoles, microphones, amplifiers* 
• Lighting gear* 
• Computers for editing music* 
• Cables, etc.* 

* Can only be insured if an instrument is insured, and then up to a maximum of 20% of the insured amount for instruments.

The insurance doesn't cover: 

• Gradual value decrease due to weather and other influences. This does not include atmospheric or climatic influences to which the instrument is exposed during a trip. 
• Normal wear and tear 
• Damage to hairs, strings, drumheads and drumsticks (unless the instrument has also been damaged). 

When customers apply to take out insurance, we are required by law to carry out various checks, such as a check on your identity. Once we have carried out the checks, and they are completed positively, we send you confirmation of coverage and the commencement date. From that date on, your instrument is insured. We will start the checks immediately after your application is received and, if possible, we will use your specified commencement date.

Your instrument is insured if it is stolen from the car and there are demonstrable signs of forced entry, and you: 

• have to leave your instrument in the car during your daily work or activities; 
• have left the instrument in a car parked in a properly locked building, and forced entry has occurred; 
• have left the instrument in a car equipped with an alarm system that was switched on. 

You are only insured if you have been careful enough to avoid theft of the instrument. This means that you must have taken appropriate measures to prevent theft - such as storing the instrument in the car, out of sight. 

The question, of course, is whether it is wise to leave valuable instruments in a car. In any case, you should minimise the risk by leaving as little as possible in the car, or by taking less with you if you can. A car is not considered 'storage space' for instruments, but more as a temporary contingency facility if no better storage option is available.

Your instrument is covered if you lend it to a colleague, family member or friend, for example. Renting out can be included as an additional cover.

Instruments of cohabiting family members can be included under the insurance. This only applies in the case of insurance taken out as a private individual.

Yes. If you have business insurance, your instrument is insured even if you use it privately. And this also applies the other way round.

Insured items are sometimes subject to a depreciation arrangement. That means the insurer will pay out less money in the event of a claim if items have depreciated in value over time or through use. 

There is no depreciation arrangement applicable under instrument insurance. The insured amount may, however, be reviewed by an expert.

If you have business insurance, you can (in most cases) deduct VAT. You then give us the insured value excluding VAT. 

If you are insured as a private individual, enter the insured value including VAT. 

If you have business insurance but you nevertheless entered the insured value inclusive of VAT when you can offset VAT, in the event of a claim you will be paid the claim amount excluding VAT.

It is important that, when applying for insurance or when including a new instrument in the insurance, the value of an instrument is substantiated by a valuation report or purchase invoice.

You can choose to add additional rental cover to instrument insurance. This additional cover insures the risk you run when renting out your instrument professionally. This cover is solely intended for occasional rental of instruments intended for personal use. The premium surcharge for this is 25%.

When you apply for insurance, we will ask you about usage. You can then choose professional or amateur. Professional means that you use the instrument professionally and earn an income through it. Amateur means that you play instruments purely for enjoyment.

If you have chosen amateur under usage, you can choose from the following options under target group:

• Amateur orchestra / Marching / brass band
• Band members
• Home use

If you chose professional under use, you can choose from the following options under target group:

• Band members
• Sound studio owner
• Music school owner
• Orchestra members
• Music academy student

If you use your instrument both as an amateur and professionally, choose the option that is most applicable.

In the unlikely event of damage, we request that you report the damage using the online claim form on the website of DSV.

Please also submit: 

• the purchase receipt for the damaged instrument; 
• the purchase receipt for the replacement instrument (as appropriate); 
• an itemised repair bill. If repair is not possible, then please submit a statement showing that the repair costs exceed the insured value. 
• a copy of the police report. 

You can add the documents to the online claim form or send them by email to schade@norisk.eu.

1. Log in here. 

2. Click on 'policy overview'

3. Click on ‘open’ policy details

4. Click on 'amend policy'

5. The amendment date defaults to today; you can also specify a date in the future.

6. Enter the reason for the amendment: amend insured items or amend coverage.

7. You can enter new instruments under 'Item details', then click 'add'. You can remove instruments by clicking 'remove' next to the item. To modify an item, you need to remove and re-enter the instrument.

8. When you are ready, click 'submit amendment'.

After submission, you will receive a confirmation email. If you do not receive it, then the amendment has not been submitted successfully!

You will not be able to see the amended instrument list online until we have processed the change.

After 12 months, you can cancel the insurance on a daily basis. The insurance will then be terminated 30 days after the date of cancellation. Cancellation can be done by sending a letter, or an email to info@norisk.eu.