Tariff

Harmonia offers you the cheapest* tariff on the market - this is based on your total sum insured.

For sums insured up to € 1,000, the tariff is only € 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 the factors.

 

Use our premium calculator, service to find out the amount you actually pay.

The basic premium decreases as the sum insured increases and is multiplied by the factors of the individual instrument categories. There is no deductible. The following table shows some examples.

 

Some intermediate values with a factor of 1

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

Particularly high-quality instruments on request

 

Factors:

String instruments	1
Bellows instruments	1,1
Cellos	1,2
Woodwinds (without saxophones)	1,3
Bows, plucked instruments	1,5
Percussion	1,6
Harps	1,7
Double basses, brass instruments and saxophones	2
Electrical and electronic instruments	2
Pianos, grand pianos, harpsichords, cases and accessories	0,8
Freight / Postage	5