Incidents Covered (all-risks coverage)

Musical instruments, PAs, and all objects used for musical purposes are insured against all conceivable risks worldwide and at all times. Here we present only the most commonplace incidents of coverage:

• Transport
• Transport accident
• Theft
• Misplacement
• Embezzlement
• Robbery
• Extortion
• Exchange or Sale
• Leave it
• Fire
• Lighting
• Explosion
• Water
• Acts of God

Coverage is always active in these incidents, even if the incident occurs while the item is in use (dropping item, tripping, etc.),transport, storage, change of climate, storage, being lent or rented.

- The nighttime clause can be terminated.

- Coverage in unattended rehearsal rooms and in uninhabited buildings applies.

- The transport of pianos is optionally insurable.

- This covers virtually all conceivable risks.

Uninsured incidents include

• Damage caused by the policyholder wilfully or through gross negligence
• · Events related to war, radioactivity, or willful damage/theft by known persons
• Usual wear and tear

Also see sections 1 and 2 of the GCI (General Conditions of Insurance).