Instrument Insurance | Cover for NZ Musicians
Musical instrument insurance for NZ musicians. Cover for theft, accidental damage, and loss. Guitars, drums, pianos, violins, and more. Get a quote.
Your instruments are your most important professional tools — and often your most prized possessions. Standard home contents policies frequently exclude instruments used professionally, leaving many working musicians unprotected. Specialist instrument insurance closes this gap, providing comprehensive cover for theft, accidental damage, and loss wherever you play or travel.
Why Doesn't Home Insurance Cover My Instruments?
Home contents insurance is designed for personal use items. If you use your instruments professionally — performing, teaching, or recording — most home contents policies will either exclude the claim or significantly limit the payout. Specialist musician insurance is designed specifically for professional and semi-professional use.
Can I Insure Vintage or High-Value Instruments?
Yes. Many specialist policies allow you to agree a value for vintage, rare, or high-value instruments with the insurer upfront — ensuring you receive the true market value rather than a depreciated replacement cost. A formal valuation may be required for instruments above a certain value.
Does Instrument Insurance Cover Me on Tour?
Yes. Most specialist instrument insurance policies include worldwide cover, protecting your instruments on domestic and international tours, airline travel, in vehicles, and at overseas venues. Always confirm that your specific touring activities are covered before travelling.
Frequently Asked Questions
What is the excess on a typical instrument insurance claim?
Excess levels vary by policy and insurer. Standard excesses are typically in the range of $100–$500 per claim, though higher excess options may be available in exchange for a lower premium.
Can I insure my instruments at an 'agreed value' rather than 'market value'?
Yes. Agreed value policies fix the payout at an agreed amount regardless of market fluctuations — especially useful for vintage or custom instruments where market value may be hard to determine at claim time.
Do I need to list every instrument separately?
Some policies require individual items to be listed above a certain threshold value. Others cover a pool of equipment up to a total sum insured. Your broker will advise which approach suits your collection.
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