Insurance broker / Musical instrument insurance / Policy wording archive Instrument insurance
Bernhard Assekuranz Musikinstrumentenversicherung: the policy wording in full
Musikinstrumentenversicherung gegen Beschädigung und Verlust im Gebrauch, auf Transporten und in Ruhe, mit benannten Gefahren wie Diebstahl, Liegenlassen und Elementarereignissen, Ersatz zum gemeinen Wert.
German market: tariffs for people living in Germany.
Done in two minutes: your details are enough, we take care of the rest.
- Free for you, same price as going direct
- 4.97 out of 5 stars from 5,047 reviews
- On your side when you claim
Take out this policy through NAMMERT
You have already worked out with your AI what fits you.
All we need now are your details and a few answers.
We prepare your application with Bernhard Assekuranz.
- AI has advised
- 2Your details
- Application to Bernhard Assekuranz
Thank you, we have your application.
We prepare it with Bernhard Assekuranz and get back to you with the documents.
Everything about this policy
What the policy covers: 67 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Bernhard Assekuranz
Musikinstrumentenversicherung.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured (value of the insured instruments including accessories) | as stated in the policy schedule | „Die Versicherungssumme vereinbaren wir mit Ihnen im Versicherungsvertrag. Sie soll dem …“ | Wie hoch ist die Versicherungssumme?, page 1 |
| All-risks cover (everything not expressly excluded is insured) | yes | „gegen Beschädigung oder Verlust ununterbrochen während der Zeit, in der sie sich im …“ | Was ist versichert?, page 1 |
| Insured instruments (acoustic, electric, electronic, keyboards, percussion) | not addressed | ||
| Accessories covered (cases, bows, stands, sheet music) | not addressed | ||
| Sound and stage equipment insurable (amplifiers, effects, microphones, PA, lighting) | not addressed | ||
| Basis of settlement: replacement value, current value or agreed value | no | „Dies ist der gemeine Wert“ | Was wird ersetzt?, page 1 |
| Agreed value with waiver of proof of value at the time of loss | not addressed | ||
| Cover for appreciation in value of the instrument | not addressed | ||
| Automatic cover for newly acquired instruments until notified | not addressed | ||
| Professional use covered (professional musicians, teachers, students) | not addressed | ||
| Borrowed, hired and entrusted third party instruments | not addressed | ||
| Territorial scope (home, country, Europe, worldwide) | yes | „Versicherungsschutz besteht für den vereinbarten Geltungsbereich.“ | Wo bin ich versichert?, page 1 |
Insured perils
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Breakage and damage from dropping, impact or knocking over | yes, up to the sum insured | „gegen Beschädigung oder Verlust“ | Was ist versichert?, page 1 |
| Operating error, clumsiness, negligence | not addressed | ||
| Damage caused by third parties (audience, fellow musicians, malice) | not addressed | ||
| Theft by burglary | yes, up to the sum insured | „Transportmittelunfall, Diebstahl, Abhandenkommen, Veruntreuung, Unterschlagung, Raub“ | Was ist versichert?, page 1 |
| Robbery | yes, up to the sum insured | „Raub, räuberische Erpressung“ | Was ist versichert?, page 1 |
| Simple theft (without forced entry, e.g. from rehearsal room or dressing room) | yes, up to the sum insured | „Transportmittelunfall, Diebstahl, Abhandenkommen, Veruntreuung, Unterschlagung, Raub“ | Was ist versichert?, page 1 |
| Loss, mislaying, leaving behind | yes, up to the sum insured | „Abhandenkommen, Veruntreuung, Unterschlagung, Raub, räuberische Erpressung …“ | Was ist versichert?, page 1 |
| Fire, escape of water, storm and hail | yes, up to the sum insured | „Liegenlassen, Brand, Blitzschlag, Explosion, Wasser und elementare Ereignisse.“ | Was ist versichert?, page 1 |
| Other natural hazards (flood, earthquake, avalanche, landslide) | yes, up to the sum insured | „Brand, Blitzschlag, Explosion, Wasser und elementare Ereignisse.“ | Was ist versichert?, page 1 |
| Liquid damage (spilled drinks, rain at open air performances) | not addressed | ||
| Power surge, short circuit and lightning for electric instruments and equipment | not addressed |
Transit, performance and travel
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Transit damage while carried or transported by the insured | yes, up to the sum insured | „Versichert sind insbesondere Schäden entstanden durch Transport, Transportmittelunfall“ | Was ist versichert?, page 1 |
| Accident of the means of transport (car, rail, aircraft, ship) | yes, up to the sum insured | „Versichert sind insbesondere Schäden entstanden durch Transport, Transportmittelunfall“ | Was ist versichert?, page 1 |
| Cover during performances, rehearsals, lessons and recordings | yes, up to the sum insured | „ununterbrochen während der Zeit, in der sie sich im Gebrauch, auf dem Transport oder in …“ | Was ist versichert?, page 1 |
| Theft from a parked, locked vehicle | not addressed | ||
| Night clause for instruments left in a vehicle (no cover during certain hours) | not addressed | ||
| Checked baggage and hold on flights | not addressed | ||
| Shipment by post, courier, forwarder or carrier | not addressed | ||
| Storage in hotels, backstage, dressing rooms or third party premises | not addressed | ||
| Maximum duration of trips or stays abroad | not addressed |
Benefits after a loss
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Repair costs by a specialist workshop or instrument maker | yes, up to the sum insured | „Werden versicherte Sachen beschädigt, ersetzt der Versicherer - nach Abstimmung - die …“ | Was wird ersetzt?, page 1 |
| Loss of value after professional repair | no | „gewöhnliche Abnutzung, Entwertung oder Wertminderung.“ | Was ist nicht versichert?, page 1 |
| Settlement for total loss or disappearance | yes, up to the sum insured | „Im Falle des Totalverlustes ersetzt der Versicherer den Versicherungswert.“ | Was wird ersetzt?, page 1 |
| Hire or replacement instrument during repair | not addressed | ||
| Transport to and from the workshop | not addressed | ||
| Costs of experts and valuations | not addressed | ||
| Search, salvage and recovery costs | not addressed | ||
| Pair and set clause (loss of value of the remaining part, e.g. instrument and bow) | not addressed | ||
| Loss of income or extra costs for professional musicians (cancelled gig, replacement) | no | „Ebenso werden keine Vermögensnachteile durch Benutzungsausfall übernommen.“ | Gibt es Deckungsbeschränkungen?, page 1 |
| Waiver of underinsurance | not addressed |
Excess
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Excess per claim | not addressed | ||
| Higher excess for theft or loss | not addressed | ||
| Excess or reduction for theft from a vehicle | not addressed | ||
| Optional excess in return for a lower premium | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of wear and tear and ageing | yes | „gewöhnliche Abnutzung, Entwertung oder Wertminderung.“ | Was ist nicht versichert?, page 1 |
| Exclusion of damage from temperature, humidity and climate (cracks) | not addressed | ||
| Exclusion of damage from vermin, woodworm, rust and corrosion | not addressed | ||
| Exclusion of internal mechanical or electrical breakdown | not addressed | ||
| Exclusion of scratches and finish damage without loss of function | not addressed | ||
| Exclusion of consumable parts (strings, drum heads, reeds, bow hair) | not addressed | ||
| Exclusion of damage during repair, restoration or processing | not addressed | ||
| Gross negligence covered (no reduction) | not addressed | ||
| Exclusion of confiscation and seizure by authorities (e.g. customs) | not addressed | ||
| Exclusion of war, civil unrest, terrorism and nuclear energy | not addressed |
Obligations and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Transport only in a suitable case | not addressed | ||
| Supervision duty when away from home (theft only covered if supervised or locked) | not addressed | ||
| Rules for instruments in vehicles (locked, out of sight, boot) | not addressed | ||
| Proof of value or valuation required at inception | not addressed | ||
| Police report without delay after theft or loss | yes | „Schäden durch strafbare Handlungen sind der zuständigen Polizeidienststelle zu melden.“ | Welche Verpflichtungen habe ich?, page 2 |
| Deadline for notifying a claim | yes | „Unter anderem müssen Sie uns beispielsweise jeden Versicherungsfall unverzüglich anzeigen“ | Welche Verpflichtungen habe ich?, page 2 |
| Insurer's consent required before repair | yes | „Werden versicherte Sachen beschädigt, ersetzt der Versicherer - nach Abstimmung - die …“ | Was wird ersetzt?, page 1 |
| Short term cover for single trips, tours or loan periods | not addressed | ||
| Blanket policy for orchestras, associations, music schools or ensembles | not addressed | ||
| Minimum contract term | not addressed | ||
| Insurer's right to cancel after a claim | yes | „Daneben können Sie oder wir den Vertrag vorzeitig kündigen. Das ist zum Beispiel …“ | Wie kann ich den Vertrag kündigen?, page 2 |
Evaluated by NAMMERT from published policy wordings.
Despite care, a value may be misread;
legally only the wording of your own contract in the edition stated there applies.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- Bernhard Assekuranz (Assekuradeur, Risikoträger am Text prüfen)
- Distribution
- available through brokers
- IPID Musikinstrumente Edition: Version 1.0, Freigabe 01.09.2019 Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German.
It is printed on the German page for Bernhard Assekuranz Musikinstrumentenversicherung and
available as plain text.
Volltext Bernhard Assekuranz Musikinstrumentenversicherung Instrumentenversicherung · As text (Markdown) Bernhard Assekuranz Musikinstrumentenversicherung