Phone +49 8052 9568608, Mobile +49 172 5465999, E-Mail Harmonia offers you the cheapest* tariffs on the market - this is based on your total sum of items insured.
For insurable sums totaling €1.000 or less, the tariff is capped at €25 per year as a lump sum.
Note that this is a net flat rate, from which your gross amount payable is calculated by multiplying by your items’ predetermined risk factors.
Use our Premium Calculator to determine the amount you will actually pay.
The base premium decreases as the sum insured increases, and is then further multiplied by a predetermined risk factor of assessed for each individual instrument category. There is no deductible. The following table shows some examples.
| Sum Insured (Total) in € | Net Contribution Rate in % per Year | Premium in € Net per Year |
| Up to 1.000,- | - | 25,- |
| 1.000,- | 2,5 | 25,- |
| 5.000,- | 1,0129 | 50,56 |
| 7.000,- | 0,8347 | 58,43 |
| 10.000,- | 0,70 | 70,- |
| 12.000,- | 0,6482 | 77,78 |
| 15.000,- | 0,5972 | 89,59 |
| 17.000,- | 0,5737 | 97,52 |
| 20.000,- | 0,5476 | 109,52 |
| 25.000,- | 0,5187 | 129,68 |
| 30.000,- | 0,5 | 150,- |
| 50.000,- | 0,4630 | 232,15 |
| 100.000,- | 0,4398 | 439,82 |
Status: 2017
Instruments of especially high value by request only.
Factors:
| String instruments | 1 |
| Bellows Instruments, i.e. Accordions | 1,1 |
| Cellos/Viols | 1,2 |
| Woodwinds instruments (excluding Saxophones) | 1,3 |
| Bows, plucked instruments | 1,5 |
| Percussion instruments | 1,6 |
| Harps | 1,7 |
| Double basses, brass instruments and saxophones | 2 |
| Electric instruments | 2 |
| Pianos, Grand pianos, Harpsichords, cases and accessories | 0,8 |
| Freight / Postage | 5 |