Whether you are a professional musician, a teacher or an individual with a cherished instrument, EBM’s Musical Instrument insurance has been designed to meet your needs.


We understand the risks you and your instruments face and how we can provide you with peace-of-mind, should a disaster occur. Cover is available for a range of instruments, both classical and electrical, as well as associated equipment.


For comprehensive musical instrument insurance in Australia, EBM’s policies cover musicians public liability insurance. Whether you need to insure a violin, cello or flute, EBM can assist you in case of loss or damage to your precious musical instruments. 


You’re Protected at Home or Away


EBM’s Musical Instrument cover will protect your assets regardless of whether you choose to store your viola, bow or whichever instrument you play at your own home or locked away safely at your place of education. This way, you’re protected from natural disasters or purposeful vandalism and damage if it occurs on school property.


With such treasured instruments under your constant care, while it pays to be vigilant, accidents and thefts can occur. If your musical instrument or an entire orchestra ensemble undergoes some misfortune, often it is a very expensive exercise to replace said items. 


Let EBM take the worry out of owning such valuable musical instruments so you can focus solely on your craft. Now, doesn’t that sound like music to your ears?


Policy features include:

  • Worldwide Cover
  • Accidental Loss or Damage cover
  • Classical Instruments include compensation for loss of value following accidental damage
  • Nil excess for most Non Electrical Items
  • Hire Costs following loss or damage to any insured item
  • Optional theft from unattended vehicle cover available
  • Optional Climatic Conditions cover


Insurance Arranged by EBM
in Association with Lark (Group) Ltd, UK and
Underwritten by Certain Underwriters at Lloyd’s



Downloads Application Forms

Product Disclosure Statement

Claim Form


Proposal for Individuals 

Proposal for Orchestras


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Quick Quote Form - Music Instruments Insurance


Please fill in the form below for a quote on Musical Instrument Insurance.



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Personal Details


Instrument Details

Please give details of each instrument, accessory or case below.
Instrument 1
Instrument 2
Instrument 3
Instrument 4
Is Unattended Vehicles Cover required?*
Are the items used by anyone under the age of 16?*
Is Climatic Conditions cover required?*
Have you had any claims in respect of the items proposed in the last 5 years?*



The insurers of this policy are Certain Underwriters at Lloyd’s. CoverLink Pty Ltd (CoverLink), ABN 49 148 219 461 is an Authorised Representative (AR 437921) of Elkington Bishop Molineaux Insurance Brokers Pty Ltd (EBM), ABN 31 009 179 640 / AFS Licence No: 246986 and you can contact us via: 1162 Hay Street, West Perth, WA 6005, Australia; Phone toll free: 1300 INSURE (1300 467 873), Email ebm@ebm.com.au CoverLink holds a binding authority from Certain Underwriters at Lloyd’s, which allows CoverLink to arrange, issue and distribute insurance on behalf of said underwriters


If required, EBM will provide You with a Financial Services Guide (‘FSG’) to help You decide whether You wish to use the services they offer.  Any advice about insurance described in this website is provided for your general information and does not take into account your individual needs. You should always consider the Product Disclosure Statement (PDS) to see if the product is right for you. A copy of the PDS is available here or you can contact us for a copy.

Key Contacts

Specialists in this area include:


brooke mclaren

Brooke McLaren

Commercial Division Manager - Southport

email Brooke



How much should I insure my instruments for?
Instruments should be insured for their Full Market Value. You must ensure the amount insured remains accurate otherwise the amount of a claim may be reduced in proportion with the level of underinsurance.

What is sufficient evidence of value?
Evidence of Value can be a valuation which is on company letterhead and signed and dated by a well respected craftsman/dealer in the trade. We can also accept a purchase receipt from a shop.

When is evidence of value required?
This is required prior to inception of the policy for instruments valued at $74,000 or more however we ask that you provide evidence of value for all items as soon as possible, as this is a requirement in the event of a claim.

How often do I need to get my instrument(s) valued?

Given the rising investment value, we recommend that instruments are valued every 3 to 5 years.

What is the Excess in the event of a claim?
For Classical Items there is no excess. For Electrical items, a $160 excess per claim applies.

Can I use my own repairer?
Yes, you can choose a repairer of your choice. It is recommended that the repairer holds a diploma from a well reputed educational institution or similar qualifications in this trade.

Is my instrument covered during transit?
Yes, providing it is securely packed in a hard case.

In the event of a total loss claim do I receive a cash settlement or would I need to purchase a replacement instrument before settlement is processed?
You receive a cash settlement.

How do we get a quote?
A proposal form will need to be completed and a list of all instruments and their sums insured provided to us. We can then provide a quote within 24 hours.

How do we pay the premium?
Premiums are to be paid within 30 days to EBM. Payment options include cheque, BPay and Credit Card.

How can I get a copy of the Product Disclosure Statement (PDS) and policy wording to see all of the details of the cover?

The PDS can be downloaded by

clicking here, or by calling us on 1300 553 534 to request a copy.