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  1. Harmonia looks back on 30 years of experience, exclusively in the brokerage of instrument insurance and offers Europe's most favourable* cover for musical instruments. All insured instruments are covered worldwide and around the clock against damage or loss of all kinds. Insured worldwide.

    • Tariff

      Tariff. Harmonia offers you the cheapest* tariff on the...

    • Premium calculator

      Category. Factor. Nighttime (+25%)? RehearsalRoom (+20%)?...

  2. Die Harmonia blickt auf 30 Jahre Erfahrung, ausschließlich in der Vermittlung von Instrumentenversicherungen und bietet Europas günstigste* Deckung für Musikinstrumente. Alle versicherten Instrumente sind weltweit und rund um die Uhr gegen Beschädigung oder Verlust aller Art abgesichert.

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  3. 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.

  4. Category. Factor. Nighttime (+25%)? RehearsalRoom (+20%)? Replacement instrument (+15%)? Piano transport (+250%)? You would like to accept our offer and apply for instrument insurance? Then you can get our insurance application here. Notes on the calculation of contributions. How to calculate your premium quickly:

  5. We offer you musical instrument insurance. With this insurance, we ensure that you are financially compensated for any damage to the insured items, such as your instruments. What can be optionally insured per instrument? At night time in unguarded vehicles. Rehearsal room. Piano transport. Replacement instrument in case of repair or total loss ...

  6. To insure your instruments, equipment, etc. through Harmonia, please send us a completed and signed application by e-mail, fax or post. The following information is mandatory for instruments and equipment: Instrument, New price / replacement value. Other information is optional. So don't worry if you don't know the year of manufacture, for example.

  7. Phone +49 8052 9568608, Mobile +49 172 5465999, E-Mail mail@harmonia.eu Covered perils (all risks cover) Musical instruments, PAs and all objects used for musical purposes are insured against all conceivable risks worldwide and at all times.