Hi, yes, I know I'm new, but felt I should stick my neck out here.
Used to work in travel insurance.
Your bass will [u]not[/u] be covered. At all. Right at the back of the policy wording in tiny writing under General Exclusions, usually, it will say 'We do not cover...'
and on about number 7. 'Musical Instruments, spectacles and contact lenses' or some such get out.
There will be other exclusions such as work equipment, tools, business purposes and the like, but the one quoted gets them out of paying for anything in any case.
GET SEPARATE INSURANCE
(right, I'm off back to lurk again, now....)