If your policy renewal is after 1 November 2024 you will be invited to renew your policy with Lark Music. For any questions, head over to our frequently asked questions.
Musicians Personal Accident Insurance
Dedicated cover providing lump sum or weekly payments in case you are injured in an accident.
Allianz Musical Insurance
As of 1 October 2024 Allianz Musical Insurance closed to new customers following the acquisition by Lark Music, a trading name of Howden UK Brokers Limited.
Providing a financial cushion if you are injured in an accident
Our Personal Accident cover insures either individuals or all members of a brand or ensemble.
Our Musicians Personal Accident cover provides lump-sum payments up to £30,000 in the case of death or permanent disablement, or weekly payments up to £375 per week+ for any temporary total disablement where you are unable to undertake your normal paid musical activities following an accident.
Our policy not only covers accidents that happen while you are using musical instruments & equipment, but also accidents that happen at home or at any non-musical job you may have during the period of the policy++. Our cover also provides a range of other benefits including adaptation to instruments following an accident, independent financial advice, physiotherapy and counselling support.
We have two cover levels +++.
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| Benefit Level 1 | Benefit Level 2 | |
|
Permanent total disablement or death Total loss of hearing Total loss of sight Permanent loss of speech Permanent loss of a limb Partial loss of sight Partial loss of hearing Dental coverage Temporary total disablement from your |
£10,000 £7,500
£5,000
£250 Up to £190 per week
|
£30,000 £20,000
£15,000
£1,000 Up to £375 per week
|
Where a claim is accepted our cover also provides additional benefits to help
you or your loved ones move on after an accident:
Up to £1000 to adapt your musical instruments
Our cover provides up to £1,000 to adapt your musical instrument following permanent or temporary disablement as a result of an accident, helping you to keep playing.
Up to £1000 for physiotherapy
Our cover provides up to £1,000 to pay for physiotherapy to help you recover from your accident as part of a claim.
Up to £500 for independent financial advice
Our cover provides up to £500 to pay for independent financial advice as part of a claim, helping you get back on your feet and deal with the impact of an accident. You can chose your own advisor or we can help you find one.
Up to £1000 for trauma or bereavement counselling
Our cover provides up to £1,000 to pay for counselling to help you or your loved ones move on from an accident or bereavement associated with a claim. We will also help find a councillor.
Up to £500 for urgent eye treatment
Our cover provides up to £500 for urgent eye treatment to prevent long term damage following an accident.
Up to £500 travel costs
Up to £500 to help cover expenses you incur returning home from a hospital.
Up to a further £500 to help cover the cost of your immediate family visiting you in hospital.
If you want to add Personal Accident Insurance to your existing Musical Instruments Policy, please call or message us.
Public Liability and Personal Accident Policy Wording
View or download our latest Public Liability and Personal Accident Cover Policy Wording.
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+Weekly benefits are based upon your musical activity earnings, it is payable up to a maximum of 52 weeks. Payments would start after a 2 week excess period. Proof of earnings is required in the event of a claim. The maximum benefit payable will be based on the cover level chosen.
++ Any claim arising out of the below, as a consequent of or contributed to in any way, is excluded (see our policy wording for full details):
· Your participation in any sports activities or recreational or competitive cycling on or off road, use of motorised vehicles, yachts or other waterborne craft, airborne craft drones animals or firearms.
· You taking illegal drugs, or non-prescribed drugs for recreational purposes or taking drugs prescribed for your drug addiction or alcoholism
· You serving in the Armed Forces of any Nation or International Authority,
· Suicide, attempted suicide or intentional self-inflicted injury, or deliberate exposure to danger (except to save a human life)
· Your own Criminal acts
· You being in a state of insanity
· War, terrorism,
+++ You will be asked to tell us how often you perform or are otherwise active in public. You must keep your policy up to date if this changes.