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.

The cover is available for classical and electrical instruments, and associated equipment.


The cover includes:

  • Accidental loss or damage including fire & theft
  • Loss of value following an accident (classical instruments only)
  • No excess payable in the event of a claim (classical instruments only)
  • Instrument hire costs following loss or damage to your instrument
  • Choice of repairer
  • Cover whilst in transit (instrument must be in a hard case)

Optional extras available:

  • Worldwide, Australia Wide or home premises only cover – you choose the scope of cover required
  • Theft from an unattended vehicle
  • Damage caused by climate conditions or an overseas earthquake
  • $20m Public Liability for Performers or Teachers

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


Need to make claim? 


In the event of you needing to make a claim, please call us on 1300 755 112 or contact us by email.


In order to lodge your claim we will need the following:

  • Completed claim form  
  • Photos of the damage
  • Quote of repairs
  • Valuation or receipt as proof of ownership and to support the sum insured you nominated on the policy
  • Confirmation from the repairer if there is any loss of value to the instrument

Once received, EBM will lodge your claim with the insurer right away to allow you to repair or replace your instrument as soon as possible.



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 this to support the sum insured you nominated on your policy.


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

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 or a list or website price.

When is evidence of value required?

This is required prior to inception of the policy for instruments valued at $75,000 or more.  It’s also required in the event of a claim (regardless of the value) so we ask that you provide evidence of value for all items as soon as possible and we will keep it on file ready in case you need to make 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 pay the premium?

Premiums are to be paid within 30 days to EBM. Payment options include BPay, EFT 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 755 112 to request a copy. 

Can Public Liability be added to my policy?

Yes, $20 million Public Liability cover is now available for teachers and performers for a cost of $150 plus GST and stamp duty. Please contact us on 1300 755 112 if you are an existing customer and wish to include this cover. If you are obtaining a quote or applying for cover via the Instant Online Quote tool on this page, Liability cover is an option you can select.  





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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.


DownloadsObtain a quote

Product Disclosure Statement

- Public Liability Endorsement

Claim Form

- Target Market Determination 


Instant Quote 





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.


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.

Key Contacts

Specialists in this area include:


Brooke McLaren

Brooke McLaren

Executive Account Manager

email Brooke

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