Musical Instrument Insurance


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Whether you’re a professional musician, a teacher, member of a local band, or just have an instrument you love to play, EBM’s Musical Instrument insurance will assist you in the case of loss or damage. 


You’re protected at home or away


EBM’s Musical Instrument cover applies whether your instruments are at home, in transit or overseas.

Cover is available for classical and electrical instruments, and associated equipment.


The annual policies include:

  • Accidental loss or damage
  • Loss of value following accidental damage (classical instruments only)
  • No excess for classical instruments
  • Instrument hire following loss or damage
  • Choice of repairer
  • Instrument covered while in transit

Optional cover available:

  • Worldwide cover, including touring
  • Theft from unattended vehicle
  • Damage from humidity, aridity, extreme temperature or light
  • $20m Public Liability Cover

Musical Instrument Dealers or Repairers can click here for more information.


How much should I insure my instruments for?

The value stated on your current valuation, receipt or list/website price list.  In the event of a claim, you will need to provide a copy of the valuation, receipt from a shop or list/website price to support this value.


The insurer will not pay out any more than the amount you have specified on the policy schedule. 

What is sufficient evidence of value?

Evidence of value can be a valuation which is on company letterhead and signed and dated by a well respected craftsman/dealer in the trade. We can also accept a purchase receipt from a shop.

When is evidence of value required?

This is required prior to inception of the policy for instruments valued at $74,000 or more however we ask that you provide evidence of value for all items as soon as possible, as this is a requirement in the event of a claim.

How often do I need to get my instrument(s) valued?

Given the rising investment value, we recommend that instruments are valued every 3 to 5 years.

What is the Excess in the event of a claim?

For classical items there is no excess. For electrical items, a $160 excess per claim applies.

Can I use my own repairer?

Yes, you can choose a repairer of your choice. It is recommended that the repairer holds a diploma from a well reputed educational institution or similar qualifications in this trade.

Is my instrument covered during transit?

Yes, providing it is securely packed in a hard case.

In the event of a total loss claim do I receive a cash settlement or would I need to purchase a replacement instrument before settlement is processed?

You receive a cash settlement.

How do we get a quote?

You can click the instant online quote button above, or complete a proposal form and email to

How do we pay the premium?

Premiums are to be paid within 30 days to EBM. Payment options include cheque, BPay and Credit Card.

How can I get a copy of the Product Disclosure Statement (PDS) and policy wording to see all of the details of the cover?

The PDS can be downloaded by clicking here, or by calling us on 1300 553 534 to request a copy.

Can Public Liability be added to my policy?

Yes, we have recently negotiated with underwriters and can now include $20 million Public Liability cover to new policies and from renewal for existing customers. The premium for this cover is $150 + charges. Please contact us on 1300 755 112 if you wish to include this cover.


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Insurance arranged by CoverLink Pty Ltd, an Authorised Representative of Elkington Bishop Molineaux Insurance Brokers Pty Ltd (EBM) in Association with Aston Lark Limited.
Underwritten by Certain Underwriters at Lloyd’s.


Downloads Application Forms

Product Disclosure Statement

- Public Liability Endorsement

Claim Form


Proposal for Individuals 

Proposal for Orchestras

Instant Quote 



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The insurers of this policy are Certain Underwriters at Lloyd’s. CoverLink Pty Ltd (CoverLink), ABN 49 148 219 461 is an Authorised Representative (AR 437921) of Elkington Bishop Molineaux Insurance Brokers Pty Ltd (EBM), ABN 31 009 179 640 / AFS Licence No: 246986 and you can contact us via: 1162 Hay Street, West Perth, WA 6005, Australia; Phone toll free: 1300 755 112, Email CoverLink holds a binding authority from Certain Underwriters at Lloyd’s, which allows CoverLink to arrange, issue and distribute insurance on behalf of said underwriters


If required, EBM will provide You with a Financial Services Guide (‘FSG’) to help You decide whether You wish to use the services they offer.  Any advice about insurance described in this website is provided for your general information and does not take into account your individual needs. You should always consider the Product Disclosure Statement (PDS) to see if the product is right for you. A copy of the PDS is available here or you can contact us for a copy.

Key Contacts

Specialists in this area include:


Brooke McLaren

Brooke McLaren

Executive Account Manager

email Brooke

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