Car and Home Insurance for Musicians As a Musicians’ Union member, you have access to a bespoke insurance partnership with Howden – including exclusive benefits on car and home insurance for musicians and bands. Last updated: 17 March 2026 Howden is one of the UK’s leading insurance brokers, trusted by over 1 million policyholders and rated 4.8/5 on Trustpilot*. Exclusive benefits for MU members include: Price match or better on car insurance for musicians subject to criteria Bespoke home insurance designed for musicians £500 excess protection on Motor and Home policies included £100,000 legal expenses cover included Howden offers tailored insurance for professional musicians reflecting your real working life: All musical activities can be declared without penalty No occupation loadings for music work Multiple occupations accepted under one policy Homeworking covered, including music teaching and home studios.** Get started today For every policy introduced through this partnership, Howdens will donate £10 to the Musicians’ Union Benevolent Fund, helping to protect and support MU members in financial hardship. Declaring musical activities also enables insurers to get the data they need to inform the cost of car insurance for musicians and bands in the future. We hope that building a more accurate dataset will challenge some of the historic assumptions about musicians’ working life that underpin the cost of insurance for musicians now. What Howden can help with – insurance for bands and musicians Howden can help with: Car, van, motorcycle & motorhome insurance Home, high value & non-standard properties Life, health, and mortgage protection Temporary and specialist insurance solutions. They are committed to specialist support when it matters most: Dedicated claims handling Friendly and professional support that understands musicians Access to over 100 insurance products from mainstream and niche insurers. Learn more * Trustpilot correct as of Mar 2026 from 68K reviews ** Subject to underwriting criteria from insurer Howden is a trading name of A-Plan Holdings who are authorised and regulated by the Financial Conduct Authority. Authorisation can be checked on the Financial Services Register at: www.fca.org.uk A-Plan Holdings registered Office: 2 Des Roches Square, Witney, OX28 4LE. Registered in England. Registration Number 750484.