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Covered Risks (full risk coverage)

All instruments you insure with the Harmonia Instrumentenversicherung are covered against all risks at any time and everywhere - the list would thus be endless. Here are only the highlights:


  • Transport
  • Accident to means of conveyance
  • Theft
  • Loss
  • Infidelity
  • Fraud
  • Robbery
  • Extortion
  • Inversion
  • Neglecting
  • Fire
  • Lightning
  • Explosion
  • Water
  • Elementary occurences

This always applies also in use (dropping and stumbling etc.) transport, custody, climatical changes, storage, lending out and rental.

- The nighttime clause may be cancelled.

- The insurance coverage in unguarded rehearsal rooms outside of occupied buildings can be included.

- Transport of pianos is optionally insurable.

- Hence, all realistic risks are basically covered.

Not insured are

  • willful or grossly negligent damages caused by the assured
  • outbreak of war, radioactivity, willful damaging or theft by family members
  • usual wear

Also see fig. 1 and 2 of the AVB (General Insurance Conditions).