The Personal Injury Plan (PIP)
Being prepared is not just for Scouting activities; it's a necessity for day-to-day life. Whether your Scout is camping with their troop, or playing some sport on a troop evening, or even just spending time with their friends, an accident can happen.
Fortunately, most injuries are minor, but there are
times when they can be more serious. Injury alone is not the only pain, an accident may bring with it unforeseen expenses, overstretching finances.
That is why we have produced the Personal Injury Plan (or PIP). Open to all, it provides protection to Leaders, Supporters, Scouts, and parents should an accident happen.
Personal Injury Plan for ages 7 to 70
This plan provides extensive cover for injuries sustained in an accident. There are two options, both with four levels of benefit (called Units), split into age groups of 18 years and under, and from 18 up to 70.
The options are, cover whilst on Scouting related activities (for Groups/Districts/Counties), or 24-hour, 365 day a year protection (for individuals). Both are worldwide in their coverage.
Cash benefits on both options are the same; lump sum benefits of up to £100,000 (depending on how many Units are purchased) for permanent disabling injuries, plus a range of cash benefits for;
- Hospital confinement
- Broken bones
- Physiotherapy
- Accidental death
- Convalescence
- Primary dislocation
- Temporary total disablement
(Full details are shown on the following benefit table)
The Scout Association does provide a very basic personal accident insurance, which provides benefits to the members of the Association who are injured on Scout activities. However, this may not be enough for the expenses that can follow an accident. This plan provides benefits IN ADDITION to any of those payable from the Scout Association Scheme, or any other insurance you may have.
It’s entirely your choice which level of cover you purchase. What’s more these benefits are paid directly to YOU.
Your Benefits in Full
The benefits underthe Personal Injury Plan Option 1 (Scouting activities only) and Option 2 (24 hour, 365 days a year cover) are the same. The only difference in coverage is that Option 1 is restricted to Scouting activities only.
A maximum of 4 Units may be purchased to provide multiples of the Accidental Death*, Permanent Disability and Temporary Total Disablement benefits. Other benefits are fixed, regardless of how many Units are purchased.
Your Questions Answered
When will my cover commence?
You will be protected as soon as your completed enrolment form is received by us.
Would this plan be affected by any other insurance plans I have?
No, the benefits paid under the Scout Personal Injury Plan are in addition to any other insurances you may have, and will in no way be affected by your entitlements to payments from any other insurance policy or state entitlements.
Will I be given a chance to change my mind?
Yes. When you receive your policy, you have 15 days to change your mind. If you decide to return your policy, it will be treated as if it had never been issued.
For more information, or to request an application pack, please contact us
An online version of the policy summary, and application forms that can be printed off, filled in, and sent to us at the address in the contact us section are available in our Resources section here.