Working with the Musicians' Union
Car and Home insurance for Musicians
At Howden, we understand that many musicians wear more than one hat: teaching, performing, composing, gigging, often balancing a second profession.
By choosing specialist cover, musicians can avoid the ‘song and dance’ of complex policies that don’t quite fit.
Howden works with a wide panel of insurers to offer specialist car and home insurance that recognises the realities of multi‑faceted careers, ensuring you’re protected without being penalised for having more than one job, or for being a musician.
Our tailored policies reflect the full scope of your work, giving you clear, streamlined cover that fits the typical lifestyle, career, and musical activity of Musicians’ Union members.
Beyond car and home insurance, we can also arrange cover for vans, temporary vehicle, motorhome, life and health cover, and mortgage support. This means you can focus on what you do best while we handle the complexity.
And, with every policy placed on cover, we donate £10 to the Musicians’ Union Benevolent Fund, which offers a small grant to members suffering severe financial hardship.
For all Musicians' Union members'
As well as providing insurance tailored to your musical activity, MU members will also receive the below additional benefits for no charge as part of their policy (normal cost is shown in brackets):
£500 Excess Protection
Members will recover their excess in the event of a fault claim.
- Private Car: (£47)
- Commercial Vehicle: (£47)
- Home Insurance: (£47)
- Motorcycle: (£47)
£100k Legal Cover Expenses
Like for the hire vehicle, personal injury cover and loss of earnings, pothole damage, helplines available for accident-related issues and motor contract disputes.
- Private Car: (£39)
- Commercial Vehicle: (£39)
- Home Insurance: (£34)
- Motorcycle: (£32)
Benefits of choosing to work with Howden:
- You can trust us – we’re rated Excellent on Trustpilot.
- We’re driven to save you time, money, and hassle.
- Speak with someone in-person, in your local branch, within your community.
- Benefit from a tailored service that comparison sites can’t provide.
- We’re right by your side in the event of a claim.