Explorer and Scout Network Insurance Considerations

Explorer Scouts

As Explorer Scouts are a District responsibility, they are independent from the Groups from whom they may borrow or hire equipment. Insurance for the equipment can be provided by Unity; the way that this is done varies depending on the way the Explorer Scout Unit is set up.

1. If the Explorer Scout Unit has a partnership agreement with a host Scout Group and the Group insures with Unity, all equipment is automatically insured for use by the Explorers at no extra cost.

2. If no partnership agreement exists and a Group loan or hire equipment to an Explorer Scout Unit whilst insured through Unity the loaned equipment must be insured under the All Risks section which may incur additional cost.

3. Alternatively the Explorer Scout Unit can insure the equipment whilst it is in their control. This can be done either with a number of short period policies or on an annual basis which often saves both time and money.

4. In some Districts, there may be several non-partnered Explorer Scout Units, all of whom will be borrowing equipment. In such cases, it may be sensible for the District to arrange a policy covering equipment borrowed by any of its Explorer Scout Units.

Talk to Unity on which method suits you best.

The Scout Network

Scout Network Groups will need insurance of their own for borrowed equipment. This can be provided on a short period or annual basis as shown in Point 3 above.