Frequently Asked Questions (FAQs)
Unity has been providing insurance support to the Association for over 80 years. In that time we have covered it all from equipment to elephants, campsites to camels.
Q: As the insurance contact for my Group,
I don’t seem to receive any correspondence about renewal. Why is that?
A: Have you moved house recently? Did you notify us of the change of address?
If you would like us to resend your renewal information, simply let us know your new address and we can send you a replacement.
Q: What am I covered for automatically by the Association when I pay my membership subscription?
A: By paying your membership fees The Scout Association provides cover under an umbrella Public Liability Policy and Personal Accident and Medical Expenses (benefits and reimbursements) that are incurred while participating in a Scouting activity.
The Association also provides Property Owners Liability Cover and Trustee’s Indemnity Insurance for all Scout owned assets and management committees.
Q: I am not covered by Unity and I have just put in a claim to my current broker for storm damaged camping equipment. The claim has been declined because the policy doesn’t cover me for using my camping equipment outside. Is this normal?
A: It is not unknown for High Street brokers to provide a policy that isn’t suitable for Scouting.
At Unity, we provide cover designed for Scouting and the varied programme of activities undertaken every week. Unity's Property and Equipment scheme provides cover for use in and outside because that is where Scouting normally takes place. For full details of the cover provided please contact us.
Q: Are my personal possessions, like my mobile phone or MP3 player, covered while I am away on a Scouting activity?
A: No. The Scout Association has no legal interest in your personal possessions and therefore cannot insure them against loss or damage.
You should ensure that they are either adequately covered under your household insurance or Unity can help by providing separate cover under “Personal Effects” section of the Property and Equipment Insurance Scheme.
If you are travelling abroad you should ensure that your travel insurance policy has suitable limits of cover for all personal possessions you intend to take with you. Again, contact Unity to arrange a suitable UK or Overseas Travel policy.
Q: If I hire out our headquarters to raise money for the Group, will this affect my insurance?
A: Yes. You will need to check with your property insurer that hiring it out is not excluded under your policy. However, if you insure through Unity, your cover will NOT be affected. The Liability as property owners is covered under the umbrella Liability Policy but you should make potential hirers aware that they should have adequate cover for the activities they intend to hold in your premises.
Q: My Group leases third party premises and property for weekly meetings and activities. Are we OK to sign the lease agreements or liability indemnity agreements or should somebody else look at them first?
A: Any lease or liability indemnity agreement should be sent to Unity before you sign them. Unity will read each one and advise you whether it is acceptable to the Association’s insurers. If the agreement is not acceptable, Unity will advise you on how to overcome the problem as well as provide wording that should be acceptable to both parties.
Q: Do you have any more copies of the Insomniac's Guide? Can I get copies of it for our training events?
A: Yes. The 2010 edition has just been published. We will be giving out free copies at every Regional event we are attending. You can also download a copy here.
Contact us
Whether you need cover for that expensive piece of kit or just have a question about your current policy, please do not hesitate to contact us.
T: 0845 0945 703