Benefits and Services

The Finnish Musician’s Union Instrument Insurance covers the instruments of the membership up to 3,000 euros with a deductible of 150 euros. The insurance covers instruments that are sold for musical use or musical equipment. This means that, for example, computers or phones are not covered by the insurance, but microphones are.

The insurance, according to the agreement with the Swedish specialist insurer Brookfield, is valid for those members of the Musician’s Union whose membership has lasted at least one month and who have paid their membership fees, excluding pensioner membership class and honorary members. The insurance benefit ends when the membership ends.

The insurance is valid worldwide and covers the value of the instrument up to 3,000 euros if the instrument is damaged, stolen, or lost.

The insurance does not require any action from the members.

If you wish to take out broader insurance in addition to the union’s Instrument Insurance, you can do so with a deductible of 3,000 euros, in which case the union’s instrument insurance covers the deductible amount exceeding 150 euros. You pay for the extension yourself, but the Musician’s Union has negotiated favorable member prices with the insurer.

Questions and Answers about Instrument Insurance

Here is a list of frequently asked questions and answers related to Instrument Insurance.

Do I need to do anything to get the insurance?

You don’t need to do anything yourself. The instrument insurance is automatically valid when your membership has lasted at least 30 days, and you have paid your membership fee, excluding T-pensioner membership class and honorary members.

Do I need to inform the insurer about the instruments I own?

You don’t need to provide any information. Only in the event of a possible damage, the instrument details are reported to the insurer.

How much does the insurance cost me?

The insurance doesn’t cost the member anything separately; the Finnish Musician’s Union covers the insurance premium for all its members.

What is the maximum compensation of the insurance?

3,000 euros per damage and per member. If several of your instruments are damaged or stolen at the same time, the insurance covers them up to a total of 3,000 euros. If the damage affects the instruments of multiple members at the same time, each member can claim compensation up to 3,000 euros.

What if my instrument is worth more than 3,000 euros?

In this case, you can purchase an extension to the insurance taken by the union. The member pays for the extension, but the Finnish Musician’s Union has negotiated favorable member prices with the insurer. To purchase the extension part, click here.

What do I do if damage occurs?

Report the damage immediately to Brookfield by filling out the damage report.

Are my instruments also insured during travels?

Yes, the insurance is valid worldwide, including during travels, tours, and performances.

Is the insurance valid if I accidentally drop my instrument and it breaks?

Yes, sudden damages are covered.

My instrument is too large to carry as carry-on baggage when traveling. Can the instrument be transported in the airplane’s cargo hold?

Yes, but you must ensure that the instrument is properly packed and otherwise handle the instrument correctly.

How much is the deductible of the insurance in case of damage, and who is responsible for it?

The deductible of the insurance is 150 euros for each damage, which is the responsibility of the member. The insurance covers the part of the damage exceeding 150 euros up to 3,000 euros.

Are damages and faults of electronic instruments also insured?

No, mechanical breakdown or malfunction is not covered, except if the breakdown of the device is due to an external reason, such as impact on the device or voltage spike.

I have multiple instruments as well as recording and computer equipment that I use for making music. Are they all covered by the insurance?

All actual instruments, both acoustic and electronic, are covered by the insurance. Also, accessories directly related to playing, such as strings and instrument cases, are insured. However, devices such as iPads, mobile phones, laptops, recording equipment, amplifiers, headphones, etc., are not covered by the insurance.

I own some instruments together with musician friends. Are they insured?

No, they are not. Only instruments that you own entirely by yourself are covered by the insurance.

If my instrument is stolen, will the insurance cover the cost of a new equivalent?

No, the insurance covers a similar instrument in terms of features and age up to 3,000 euros.

If I leave my instrument at home or in a hotel room, is the insurance valid?

Yes.

If my instrument is stolen from the car, is the insurance valid?

Yes, but you need to ensure that the instrument is not visible from outside the car and that the car is properly locked.

I need a loaner instrument while my damaged instrument is being repaired. Does the insurance cover the cost of renting an instrument?

Yes, assuming that renting is necessary and the costs are reasonable, i.e., up to a maximum of 20% of the value of your instrument, but not exceeding 3,000 euros.

As a member of the Finnish Musician’s Union, you receive significant organizational customer discounts from If’s insurance.

You can join If’s Benefit Program with just one insurance, by receiving your insurance correspondence electronically on If’s Own Pages.

At the highest level of the Benefit Program, you will receive a discount of up to 16 percent and have access to your own service advisor. With If, you can accumulate If Deductible Money of up to 40 euros per claim-free year, up to a maximum of 200 euros.

Learn more about your member benefits here or call If’s customer service at 010 19 19 19.

The members of the Finnish Musicians’ Union are entitled to Mutual Insurance Company Kaleva’s Primus Life and Injury Insurance. Life insurance covers death caused by both illness and accident. Take advantage of the member benefit and expand your family’s insurance coverage!

As a member of the Finnish Musicians’ Union, you can get significantly cheaper life insurance, 61% cheaper than regular prices. Members who have already used this benefit save an average of EUR 511 per year.

Life Insurance for Partners

Life insurance protects your family from financial worries if the worst were to happen to you. You can purchase the insurance either just for yourself or, even more affordably, as partner coverage for yourself and your spouse. With partner coverage, it’s enough that one of the insured individuals is a member of the Musicians’ Union.

Calculate the price of your life insurance conveniently at kalevavakuutus.fi (in Finnish).

The insurance provider is our partner, Mutual Insurance Company Kaleva, whose customer and claims service is handled by If Vahinkovakuutus Oyj, Finnish branch.

If Liittovakuutus is the leisure accident and travel insurance taken out by the Finnish Musician’s Union, automatically insured are the union’s members and officials under the age of 70. Also included in the insurance are children and grandchildren under 20 years of age traveling with their insured parent on the same trip. The insurance is valid outside of work and commuting, and it does not cover luggage.

Your Travel Insurance Worldwide and Own Pages – Online Service 24/7

Whether it’s an ear infection or a more serious illness, the travel insurance taken out by our members comes to the rescue. If Mobile is an app that allows you to manage your insurance matters wherever and whenever you need.

Insurance Discounts from If

In If’s Benefit Program, you can save money simply by having your own home insurance or comprehensive insurance, when you receive your insurance correspondence electronically on your Own Pages. This makes your transactions easier and saves both the environment and your own time.

The Musicians’ Sick Fund is a membership benefit for members of the Finnish Musicians’ Union that supports their health, ability to work and financial security during illness. In accordance with its rules, the Sick Fund reimburses costs incurred for dental care, hearing tests and hearing protection, as well as daily treatment fees charged by hospitals and health centres.

The purpose of the Sick Fund is to promote performing musicians’ ability to look after their health, prevent health risks that threaten their well-being at work and their ability to work, and reduce potential loss of income during periods of incapacity for work.

All members of the Finnish Musicians’ Union under the age of 16 are automatically covered by the Musicians’ Sick Fund. Retired members are not covered by the Fund.

The membership fee for the unemployment fund A-kassa in 2025 is EUR 8/month.

The unemployment fund Finka merged into a new A-kassa starting from the beginning of 2022.