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Personal Accident Scheme

Cover in the event of an injury

On this page you will find information about:

  • Insurance cover for MU members in the event of an accident
  • Link to full details of policy cover

All subscription paying members of the Musicians’ Union under 80 years of age and resident in the UK are insured for specified financial benefits in the event of disability following an accident. Please note that reduced benefits apply to those under 18 years of age.

The cover provided is summarised below.

Should you or one of your family have an accident, we also recommend that you contact the Thompsons’ Accidents Plus helpline (see p41 of this Handbook for details).


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 AVIVA. Hencilla Canworth Ltd (Hencilla) manages this policy on behalf of the Musicians’ Union and its members.


Individual registered members of the Musicians’ Union under 80 years of age, permanently residing in England, Scotland, Wales, Northern Ireland, the Isle of Man, the Channel Islands who are up to date with their subscriptions.

Demands and needs

This benefit of Musicians’ Union membership meets the demands and needs of individual members that wish to receive specified financial benefits in the event of disability following an insured accident.

Policy cover

Members will receive £125 for each week of Temporary Total Disablement or up to £20,000 for an injury considered Permanent Total Disablement or results in Loss of Life following an insured Accident. The weekly benefits are payable for a maximum 52 weeks excluding the first two weeks. Members 17 years old or younger received reduced benefits.

The policy also provides certain benefits for medical expenses, coma benefit, disability assistance, hospitalisation and funeral expenses following an accident covered by the policy. ‘Accident’ means a sudden, unexpected, unusual, specific incident.

Operative time

At any time other than whilst engaged in a non-Musicians’ Union Occupation.

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 Insured Person engaging in any kind of flying other than as a passenger
2) the Insured Person being a full time member of the armed forces of any nation or international authority or a member of any reserve forces called out for permanent service
3) the Insured Person committing or attempting to commit suicide or intentionally inflicting self injury
4) the Insured Person(s) own criminal act
5) the Insured Person being in a state of insanity
6) any claim incurred in any country destination or region in respect of which the advice of the British Government or the government of the Insured Person(s) Country of Residence (if different) at the time the trip was booked was “against all travel to”
7) Accidental Bodily Injury directly or indirectly caused by the Insured Person suffering from:
a) any gradually operating cause;
b) any naturally occurring condition or degenerative process;
c) Sickness or disease (unless resulting directly from Accidental Bodily Injury)

Policy conditions

Members must take all reasonable precautions to prevent accident or injury to any person or loss or destruction of, or damage to, their property and must comply with all legal requirements and safety regulations and conduct the Business in a lawful manner.

Claims must be notified as soon as reasonably practicable and no later than 60 days from the date of accident.

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.

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 Canworth Ltd 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 MU members personal data is detailed within the Hencilla Privacy Notice which is available on request or can be downloaded from Hencilla's website.

Related downloads

Accident Cover (PDF 2.5 MB file opens in new window)

Personal Accident Policy Schedule 2019 (PDF 566.7 bytes file opens in new window)