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Instrument Insurance (MU £2K Cover)

£2,000 Musical Instrument and Equipment Insurance Scheme Summary

On this page you will find information about:

  • Instrument Insurance for MU members
  • How to register for the scheme
  • Links to PDF downloads with details of Instrument and Equipment cover

This is a benefit of membership providing eligible members with £2,000 of musical instrument and equipment cover, anywhere in the world.

To obtain cover members must register and receive a Policy and Schedule visit the new MU/Hencilla website or contact Hencilla Canworth Ltd at email, tel 020 8686 5050. Additional Cover on items over £2,000 up to £150,000 at discounted rates can also be purchased at

Previously registered members are encouraged to re-register at to receive an up to date Policy and Schedule containing the latest terms and conditions.

Once registered at, members will annually receive an email inviting them to update their policy documents.

MU £2K Cover

Every player, performer and writer is aware of the crucial role that instruments and equipment play in their creative life. The loss, damage or theft of an essential instrument or piece of kit not only prevents a musician from earning a living but also has an emotional and personal impact which cannot be valued in financial terms alone. Recognising the importance of such tools of the trade, the MU has established a benefit which offers every paid-up member access to £2,000 worth of musical instrument and related equipment cover anywhere in the world. To obtain this cover, simply visit to register for cover.


This is a summary only. For definitive information on policy cover, terms and exclusions please refer to the policy wording.

Name of the insurer

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


All subscription paying members of the Musicians’ Union permanently residing in England, Scotland, Wales, Northern Ireland, the Isle of Man, the Channel Islands who have registered for this cover.

Demands and needs

This policy meets the demands and needs of eligible members of the Musicians’ Union who have registered for cover that wish to protect their own musical instruments and equipment up to £2,000 against loss, accidental damage or theft, subject to the terms and conditions of this policy.

Policy cover

Members own musical instruments and equipment will be insured against loss, damage or theft up to £2,000 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.

Duration of insurance

The policy runs for 12 months from the 1st September and is annually renewable by the MU.

Territorial limits

Worldwide provided the members is usually resident within the England, Scotland, Wales, Northern Ireland, the Isle of Man and the Channel Islands.

What is not insured

1. The first £100 of any claim
2. For each member of the Musicians’ Union more than £2,000 in a 12-month period from the date of loss, other than hire charges
3. For each member of the Musicians’ Union more than:
a. £200 for each claim to hire instruments and equipment, and
b. £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:
a. All external doors are locked, and
b. 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:
a. Wear and tear, deterioration or any gradually operating cause
b. An inherent or latent defect
c. Wet or dry rot, mould, mildew, fungus, rust or corrosion
d. Insects, vermin or woodworm
9. Loss or damage arising from:
a. Faulty design or workmanship or the use of faulty or unsuitable materials
b. Any commercial process of cleaning, dyeing, maintenance, repairing, restoration or servicing
c. Electronic, electrical or mechanical breakdown, failure or derangement
d. Any form of virus
10. Loss or damage arising from:
a. 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
b. 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:
a. Climatic and atmospheric conditions, changes in air pressure and extremes of temperature
b. Effects of sunlight, fading, changes in colour, texture or finish
c. 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:
a. Ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel
b. The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or any nuclear components of such assembly
c. Pressure waves caused by aircraft and other aerial devices
d. 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 or damage to a mobile phone and the data held on it
26. Cover under this policy if you are entitled to claim under the MU Additional Cover Musical Instrument and Equipment Scheme

Special conditions

1. Precautions - 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. Musicians’ Union Membership - This insurance cover is only in force if: a. Musicians’ Union have renewed this policy, b. You are a Musicians Union member, and c. 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: i) Report any damage or loss as soon as possible to the relevant airline staff and comply with any instructions they give, ii) Obtain a property irregularity report or damage report from the airline, iii) Retain your baggage-check ticket and tag(s).

Making a claim

As soon as possible you must: Notify Hencilla (please see ‘Customer Service’ for full contact details) 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, attempted theft or malicious damage or 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; therefore, avoiding the need for you to settle the invoice yourself.

Customer service/complaints

If you have a question about your insurance or wish to make a complaint please contact: Hencilla Canworth Ltd, Simpson House, 6 Cherry Orchard Road, Croydon CR9 6AZ, Telephone 020 8686 5050

MU insurance - general contract disclosure

You will not receive any advice or recommendations in connection with these insurances. The covers provided are available to qualifying members of the MU as a benefit of membership. Each Insurance product has been negotiated by Hencilla on behalf of the MU with the Insurer selected being the sole provider of each policy. Hencilla receives a commission from the insurers for arranging this cover. In sourcing and placing your policy, Hencilla acts as the agent of the Insurer.

Fair processing of your data

How Hencilla processes members personal data is detailed within the Hencilla Privacy Notice which is available on request or by visiting Hencilla's website. 

Related downloads

Instrument and Equipment Cover Schedule (PDF 69.61 bytes file opens in new window)

Instrument Equipment Cover Terms & Conditions 2018 (PDF 161.58 bytes file opens in new window)