Yes, you can make changes at any time, free of charge. If you’re not travelling to gigs as much you could opt for premises only or UK only cover instead of worldwide or unattended vehicle cover. Downgrading cover will also reduce your premium, but make sure you’ve got the cover you need.

To make any changes to your policy, use our contact form or email us at musicalinsurance@allianz.co.uk.

If you’ve taken out our Public Liability cover, this means you’re covered for your legal liability for damage, someone being killed or an injury or illness caused by the use of your equipment. However, this doesn’t cover you if a venue is not allowing you to play.

Under Personal Accident cover, you’d be covered for a loss of limb, loss of sight, loss of hearing, permanent total disability or death due to the use of your musical equipment, so therefore there is no cover if these happened as a result of the Coronavirus.

We know this is a very difficult time for many of our customers and we’re here to help. If you’ve been affected financially by COVID-19, please get in touch with our team as we have a number of options which may allow you to continue protecting your instrument and equipment. 

A payment delay/deferral/holiday is where we agree to delay collecting your insurance premiums for up to 3 months. However premiums will still be owed at the end of this period, not written off. You can choose whether you would like to delay collection of your premium for 1, 2 or 3 months.

A 1, 2 or 3 month payment delay is available for customers who have made at least one payment on their policy since taking out cover and pay by monthly direct debit. If you pay annually and would like to talk to us about switching to direct debit at your renewal then please get in touch.

The payments that you request to delay payment for will be spread evenly across the remainder of the payments you have on your policy. For example, if after the delay you have 4 months left on your policy we would divide the premium you owe us between these months and add it to your normal monthly premium. This will be different for customers who renew in this time (please get in touch to understand the options available if this applies to you.)

Protecting you and your instruments is our key priority so we will continue to pay your claims as normal in this period. However, if you claim whilst you are not paying your usual monthly premiums but you cancel your policy at the end of the delay period without paying the outstanding money owed, we reserve the right to ask you to pay us back any monies paid out in relation to claims in this period.

Normally we send a request to your bank to collect your payment before your scheduled payment date to ensure that we collect it on time. Unfortunately this means that if you have less than 5 working days left before your next payment is due to be collected, we'll be unable to stop this collection and instead will delay the subsequent payments.

Simply email us at musicalinsurance@allianz.co.uk and include the words  ‘Payment Delay’ in the subject of the email.
We also ask that you provide:

• Policy Number
• Policyholder's name
• Registered address of policyholder
• Length of payment delay request (1,2 or 3 months)

Our team will send you a confirmation email once this has been completed and you will also receive an updated payment schedule which will confirm your premium collection dates and amount (please note the payment schedule will be sent to you by your previously chosen method i.e. email or post.)

Yes, we’ve reviewed our terms and conditions and will be able to relax the 60 days claims period if you have been affected by COVID-19. For more information on this please email us at musicalinsurance@allianz.co.uk.

We advise keeping up to date with advice from the UK Government, Public Health Wales, Health Protection Scotland, the Public Health Agency in Northern Ireland, the NHS and the World Health Organisation (WHO). Check advice frequently to make sure you're up to date with the latest news.

The NHS have circulated advice about COVID-19 and you should also read the government's guidance on social distancing and for vulnerable people.

There is a lot of advice and tips out there to guide and support you, including information hubs and email newsletters with regular updates. Some key ones to look at:

• Musicians Union
• Incorporated Society of Musicians

While it is important to stay informed, there are also many things we can do to support and manage our wellbeing during such times. Take a look at the below for some really useful tips:

• Mental Health Foundation
• Mind

We know that this is a scary time and may have implications on your career.

If you’re starting to struggle financially its worth speaking with organisations who are offering support to musicians, including

• Help Musicians
• Arts Council England

We understand that you may be experiencing issues with your travel plans at the moment so our usual worldwide cover limit of 90 days can be relaxed if you have been affected by COVID-19. Please email us at musicalinsurance@allianz.co.uk to let us know.

We know that is a worrying time for musicians, however under our Music Protect policy, there is no cover for loss of earnings, business interruption or other costs associated with not being able to work or having gigs, performances or teaching cancelled.  Our policies provide cover for specified perils, accidental damage, theft and accidental loss of your insured item, rather than being on an all risks basis which would mean that you would be covered for anything which is not listed as an exclusion.