Instrument and equipment cover for members of the MU

This policy covers registered members of the Musicians’ Union who have applied for cover against loss, damage or theft of your own musical instruments and equipment up to £3,000 subject to the terms and conditions of the policy. The policy also covers up to £200 for instrument hire costs in the event of a valid claim.

This policy is underwritten by Allianz Insurance PLC. Hencilla Canworth GI Ltd manages this policy on behalf of the Musicians’ Union and its members.

Go online at muinsure.com to apply for MU £3K Cover and buy MU Specified Instrument/equipment Cover .

If you are not a MU member you can apply for membership at musiciansunion.org.uk

You will be insured worldwide provided that you are usually resident within England, Scotland, Wales, Northern Ireland, the Isle of Man and the Channel Islands.

The following are not insured by the MU £3K policy:

1. The first £150 of any claim, or the first £350 of any claim for laptops, personal computers or tablets.
2. For each member of the Musicians’ Union more than £3,000 in a 12-month period from the date of loss or more than £5,000 in a rolling 5 year period, from the 1st January 2020, these limits exclude hire charges.
3. For each member of the Musicians’ Union more than:
   • £200 for each claim to hire instruments and equipment, and
   • £500 for the combined costs of all hire of instruments and equipment during the period of insurance.
4. Any amount for hiring replacement instruments and equipment unless you provide written confirmation showing why you need to hire a replacement instrument.
5. Theft, or damage caused by attempted theft, from the premises the instruments and equipment are kept when the premises is left unattended, unless:
   • All external doors are locked, and
   • All external windows are closed and latched
6. Theft or damage to any instruments and equipment whilst left in an unattended vehicle, unless that vehicle is of the fully enclosed type (not a soft top or convertible vehicle) and provided that whilst left in an unattended vehicle you had hidden it from view in the vehicle (for example, in a glove compartment or boot), locked the vehicle, with all windows and sunroofs closed, and used all available security systems.
7. Breakage of strings, reeds and/or drumheads.
8. Loss or damage arising from:
   • Wear and tear, deterioration or any gradually operating cause.
   • An inherent or latent defect.
   • Wet or dry rot, mould, mildew, fungus, rust or corrosion.
   • Insects, vermin or woodworm.
9. Loss or damage arising from:
   • Faulty design or workmanship or the use of faulty or unsuitable materials.
   • Any commercial process of cleaning, dyeing, maintenance, repairing, restoration or servicing.
   • Electronic, electrical or mechanical breakdown, failure or derangement.
   • Any form of virus.
10. Loss or damage arising from:
    • Any form of transit by air unless the property insured is securely packed in a suitable protective musical instrument case, or has been packed by a professional transit or removal company.
    • Any form of postal or similar transit unless the property insured is securely packed in a suitable protective musical instrument case or other suitable protective container.
11. Loss or damage arising from:
    • Climatic and atmospheric conditions, changes in air pressure and extremes of temperature.
    • Effects of sunlight, fading, changes in colour, texture or finish.
    • Dampness, dryness, shrinkage or contamination.
12. Any costs suffered as a result of not being able to use the instruments and equipment.
13. Any costs incurred in matching any parts of a set or a collection not involved in a claim.
14. Theft by any person or persons to whom the instruments and equipment are entrusted or loaned.
15. Any loss or damage caused by the failure of any electrical or computer equipment, software, micro-controller, microchip, accessories or associated equipment, to correctly recognise and process any calendar date or time.
16. Costs or damage by confiscation or detention or nationalisation or requisition by Customs or other officials or legal authorities.
17. Loss or damage happening in connection with an earthquake or a volcanic eruption.
18. Loss or damage arising from:
    • Ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
    • The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or any nuclear components of such assembly.
    • Pressure waves caused by aircraft and other aerial devices.
    • Any chemical, biological, bio-chemical or electromagnetic weapon.
19. Loss or damage due to war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.
20. Loss, damage, cost or expense of whatever nature directly or indirectly caused by, resulting from, or in connection with, any act of terrorism, regardless of any other cause or event contributing at the same time or in any other sequence to the loss.
    An ‘act of terrorism’ means the use, or threatened use of biological, chemical or nuclear force by any person or group of people, whether acting alone or on behalf of or in connection with any organisation(s) or government(s) committed to political, religious, ideological or similar purposes including the intention to influence any government or to put the public or any section of the public in fear.
21. Travel, delivery, postage or courier costs in the event of a claim, such as transporting the item to a repairer.
22. The cost of any estimate or quotation to replace and/or repair the instruments and equipment
23. Unexplained theft.
24. Unexplained loss within your residence.
25. Loss, damage or theft to a mobile phone and the data held on it.
26. Cover under this policy if you are entitled to claim under the MU Specified Instrument/equipment Cover Musical Instrument and Equipment Scheme

1. You must keep the instruments and equipment in a good state of repair and take all reasonable precautions to prevent accidents, theft, loss or damage. If there is a disagreement between you and us as to what reasonable precautions are, the details will be referred to a specialist body mutually agreed upon.
2. This insurance cover is only in force if:
   • Musicians’ Union have renewed this policy,
   • You are a Musicians Union member, and
   • You are registered to have this cover.

If you do not pay your membership fees this cover will automatically stop when your Musicians’ Union membership ends.

AIRLINE CLAIMS

In the event that the instruments and equipment are lost, stolen or damaged during air travel you must:

• Report any damage or loss as soon as possible to the relevant airline staff and comply with any instructions they give,
• Obtain a property irregularity report or damage report from the airline,
• Retain your baggage-check ticket and tag(s).

You must as soon as possible notify Hencilla Canworth GI Ltd of any occurrence which may result in a claim and provide further details which may be required. Notify the police of any loss or damage by theft or malicious damage and if the property is lost whilst away from your normal place of residence. You must not make any admission of liability without our consent and we are entitled to take over and conduct in your name any negotiations or legal action in connection with a claim under this policy.

You must provide evidence of value and ownership or legal responsibility if requested by us to enable us to settle your claim. As a service to clients it is usually possible for us to settle any repair/replacement invoices direct with the repairer/retailer.

Download the Claim form

MU Specified Instrument/equipment Cover provides:

• Instant Cover
• Annual premiums from £10 plus tax and fee
• Instant cover up to £150,000
• Comprehensive loss, damage or theft Cover for Premises only or Worldwide
• Alternative instrument hire costs up to £1,000
• Nil excess on claims, apart from the first £100 on computer equipment and mobile phones and £25 on in-ear monitors, earbuds and headphones