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Coronavirus (COVID-19) information for Allianz Musical Insurance


Supporting you in these unprecedented times

We’d like to reassure customers that we remain committed to supporting UK musicians and are doing all we can to provide an uninterrupted service for our customers. 

During these uneasy times we’re here to help keep you and your instruments and equipment protected. If you’re worried about not being able to pay your premiums please get in touch with us to understand how you can reduce your cover, and in turn your monthly payments.


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:
We’ve put together some questions that might help during this worrying time. We're reviewed our terms and conditions and have made some temporary tweaks to our cover and claims process. 

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.

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:

If you’re a member of these you can get legal and contract advice as well as negotiation services. 
We're also now offering free Legal Assistance Services on all our policies, you can find out more here.

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:

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:

We’re pleased to announce our donation to the Help Musicians’ Coronavirus Hardship Fund was spent directly on 424 musicians facing extreme financial hardship through the Coronavirus Hardship Funding Scheme Phase 3. For 100 years, Help Musicians have provided help, support and opportunities to empower professional musicians, at all stages of their lives and careers. You can find out more about the Hardship Fund and out donation here.

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.