Phone +49 8052 9568608, Mobile +49 172 5465999, E-Mail 
Manfred Kronstaller
Music is my passion! Alongside my studies in electrical engineering in Munich, I studied conducting in Sergiu Celibidache's class from 1992 until his death. As a musician, I actively play in orchestras, make chamber music, conduct, and concertize.
- My instruments:
- Viola (Pièrre Vidoudez, 1956)
- Bow (James Tubbs, ca. 1890)
- Box (GL Cases)
- Everything insured via Harmonia. Where else?!
Harmonia’s Insurance Concept
At its core, instrument insurance should be kept as uncomplicated as possible for everyone. Consequently, we work digitally as much as possible, primarily by word-of-mouth advertising, and for the most part, we are on a first-name basis with our clientele. In this way, and only in this way, we offer such extraordinarily favourable services.
Harmonia provides a thorough professional insurance for musical instruments with a strong, international service provider (AIG S.A.).
Payments are always made directly and immediately to the account of the insured client. We have always work to avoid the use of restrictive clauses and catalogues. Therefore, we primarily use the latest version of the GDV’s (Gesamtverband der Deutschen Versicherungswirtschaft e.V.) "AGB-Musikinstrumente". This ensures the greatest possible range of benefits and coverage.
Merely an email suffices in the event of altering a policy. This applies to invoices, confirmations, etc. Telephone consultancy is also available; return phone calls are made promptly and competently.
History of the agency
As a violist myself, I wanted to insure a particularly valuable bow in 1992 and was shocked both by the premium rates applied to various instruments, and the obscure terms and conditions used by insurance companies. Consequently, I invested in a group insurance policy that at the time was only for members of the Munich Youth Orchestra (known today as the Bruckner Academy Orchestra/BAO).
The number of participants in this academy rose very quickly, allowing for the design of a new, revolutionary business model, ultimately leading to the foundation of an insurance company.
From the very beginning, Harmonia was an insurance agency by musicians for musicians!
Beauty is not the final destination, but only the lure. The beautiful leads to the true
S. Celibidache