Navigating Insurance and Liability for Piano Moves in New Zealand

Moving a piano is a delicate and intricate process, especially with its considerable weight and intricate components. Ensuring the safety of your musical gem during its journey is vital, and understanding insurance and liability factors is an essential aspect of any piano move. As a nationwide piano moving company based in Auckland, we can provide insights and guidance on navigating insurance and liability considerations during piano moves in New Zealand, with the aim of offering peace of mind for our customers.

Whether you are moving a piano to a new home, commercial venue, or storage facility, it’s necessary to ensure that the instrument is protected throughout every stage of the relocation. By understanding the various aspects of insurance and liability related to piano moves, you can take essential precautions to minimise the risk of damage while safeguarding your financial interests in case of any unforeseen events. Consequently, taking the time to research and familiarise yourself with insurance terms, conditions, and levels of coverage can prove invaluable.

In this article, we will discuss the key aspects of insurance and liability considerations surrounding piano moves in New Zealand. From evaluating insurance coverage options and understanding the movers’ liability to taking appropriate steps to protect your instrument, we will delve into essential information that every piano owner should know before embarking on a move. Trusting the relocation of your piano to professional movers like SPM. not only ensures adherence to best practices but also offers you the confidence and ease that comes with knowing your beloved piano is in expert hands throughout its journey.

Evaluating Insurance Coverage Options

Pianos are valuable and delicate instruments that demand adequate protection during their relocation. To safeguard your financial interests and ensure peace of mind, consider the following insurance options:

1. Homeowner’s or Renter’s Insurance: Check your existing homeowner’s or renter’s insurance policy, as it might offer coverage for your piano while in transit. Carefully review the policy terms to determine coverage limits and any exclusions.

2. Moving Company’s Insurance: Reputable piano moving companies, like SPM., will offer coverage options as part of their services. Ensure you understand the level of protection provided and obtain any additional coverage if necessary.

3. Specialised Piano Insurance: In some cases, purchasing a separate insurance policy specifically designed for pianos may be the best solution. These policies can provide coverage for a range of situations, including storage, concert use, and domestic or international moves.

Understanding the Mover’s Liability

When entrusting the relocation of your piano to a moving company, it’s crucial to understand the extent of their liability and the responsibilities they assume. Typically, moving companies offer two types of liability coverage:

1. Limited Liability: Also known as “Released Value” protection, this coverage is often provided at no additional cost. However, the coverage is minimal, with the moving company’s liability limited to a specific amount per kilogram of the piano’s weight.

2. Full Value Protection: With this coverage, the moving company takes responsibility for the total cost of repairing or replacing your piano in case of any damage incurred during the move. While Full Value Protection offers more substantial coverage, it may involve higher premiums and potential deductibles.

Preparing Your Piano for Enhanced Protection

To further mitigate potential risks and protect your piano during its relocation, consider these preparation tips:

1. Hire Professional Piano Movers: Engaging experienced piano movers, like SPM., ensures a higher level of care, expertise, and specialised equipment for your instrument during the moving process.

2. Proper Packing and Padding: Wrap your piano and its parts with protective materials to minimise the risk of damages caused by bumps, scratches, or other impacts during the move.

3. Take Precautionary Measures: If your piano requires disassembling and reassembling certain components, document the process with photographs or notes, and consider consulting a professional for guidance.

4. Plan the Route: Collaborate with your moving company to plan the best route for transporting your piano, accounting for any obstacles and contingencies that may arise during the move.

Post-Move Considerations and Handling

Once your piano has been safely relocated, follow these essential steps to ensure its longevity and optimal performance:

1. Inspect Your Piano: Upon arrival, examine your piano for any signs of damage. If you notice any concerns, notify the moving company immediately and follow the specified insurance claim procedures.

2. Allow for Acclimatisation: Give your piano time to adjust to its new environment, accounting for changes in temperature and humidity. This process is essential for maintaining the instrument’s condition and stability.

3. Schedule a Tuning: After the piano has acclimatised to its new surroundings, arrange a professional tuning to restore optimal sound quality.

4. Conduct Regular Maintenance: Ensure the long-term health of your piano with regular tunings, cleanings, and inspections.


Understanding insurance and liability considerations for piano moves in New Zealand is a critical aspect of safeguarding your precious instrument throughout its relocation. By evaluating insurance options, appreciating the mover’s liability, and adopting proper measures to protect your piano, you can confidently embark on this delicate endeavour. It’s highly recommended to entrust the task to professional piano movers like SPM., who possess the expertise, equipment, and dedication to ensure your piano’s safety and well-being during its move.

Planning to move your piano within New Zealand and seeking expert advice on insurance and liability? Contact SPM. today for personalised guidance and let our experienced team provide you with valuable insights and support to ensure your prized instrument receives the highest level of care during the piano moving in Wellington.