Coverage instrument insurance

Instrument insurance covers the following: 

• Damage and loss 
  If your instrument is damaged or lost due to unforeseen circumstances, you will be reimbursed for the damage by the insurer.
• Inherent defect 
  You are also insured in the event of damage caused by an inherent defect. An inherent defect means a defect in or a bad characteristic of the insured instrument. The cost of remedying an unexplained defect will not be reimbursed. 
• Renting out 
  If you rent out your instrument and want it to be insured while it is being rented out, you must notify us to this effect. You pay some extra premium in such cases. And if the instrument is then damaged or stolen while rented out, you will be reimbursed for the damage. 
• Theft, disappearance and/or loss 
  If your instrument is stolen or lost, you will be reimbursed for the damage by the insurer. You are only insured if you did your best to prevent the theft or loss of the instrument.  
  The terms and conditions set out when the insurer thinks you have done your best to prevent theft. 
• Associated parts 
  If, after loss or irreparable damage to an instrument, you are left with associated parts that you cannot use afterwards, the insurer will reimburse you for these associated parts.

Additional coverage    

Add-on to instrument insurance 

• Additional rental cover 
  You can choose to add rental cover to your instrument insurance. With this additional cover, the risk you run if you occasionally rent out your instrument is insured. This additional cover is only for occasional rental of your own instrument.