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Insurance for your Scout Group's contents and equipment,
even when it's at camp!
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Equipment Insurance

Under our Scout Property and Equipment Policy, we provide three ways of insuring your Scout Group's equipment and items you may be responsible for:

All options cover your equipment for use in the United Kingdom, the Isle of Man and the Channel Islands.

Our flexible Scout Property and Equipment Policy means that you can mix and match the Contents and/or Equipment Cover, All Risks and Short Period cover to suit your Scout Group’s individual needs.

Contents and/or Equipment Cover
Contents and/or Equipment Cover can provide a very cost effective way of insuring contents and equipment, especially for those Groups who occupy brick or concrete premises, or store items within private residences.

It can cover the contents of your Scout premises, equipment, furniture, fixtures and fittings which are not the property of the landlord but for which you are responsible.

Our Contents and/or Equipment Cover offers the similar high levels of protection found throughout our range, but with added benefits.

  • Loss or damage whilst in transit;
  • Camping equipment, including archery equipment, in use within the UK;
  • Camping equipment is even covered whilst left unattended at camp;
  • White goods, such as fridges, freezers and cookers;
  • ’New for old‘ cover;
  • Accidental damage cover to the contents within the premises; and
  • Cost of replacing locks following the loss of keys.

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All Risks Cover
All Risks Cover provides wider cover than the Contents and/or Equipment Cover. Under All Risks you are not restricted by the need to declare a storage location. This can benefit Groups without a regular 'home' for their equipment.

All Risks Cover also offers the facility to insure more expensive electrical equipment (specialised TV, video, etc). All Risks can further cover risks associated with hiring and loaning equipment (marquees, etc), which the Group may allow other organisations to use.

However, premiums under All Risks Cover are generally higher than the Contents and/or Equipment Cover.

All Risks Cover offers broader and even more flexible options than the Contents and/or Equipment Cover, with a range of further options which include:

  • Cover for equipment loaned out to other Scout or Girlguiding groups;
  • European cover as standard on all equipment;
  • Cover for audio visual and specialised equipment. Examples of items that should be insured under the All Risks section include:
    • Disco equipment
    • Radio equipment
    • Digital cameras
    • Computers including laptops and tablets
    • Projectors
    • Petrol strimmers and generators
  • Option for covering items hired or loaned out to schools, youth clubs etc.

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Equipment – Short Period Cover

Contents and equipment can also be insured on a short period basis for times when you may be hiring additional items.

Do you ever borrow equipment? If you do, how would you reimburse the owner if the equipment was damaged, lost or destroyed?

It does happen. You would have to use Group funds if you had not insured, to say nothing of the embarrassment if funds were low at that time. You really should not take the risk. The penalties by way of loss of funds, loss of goodwill (and possibly the loss of use of such equipment in the future) are not worth it.

Unless a particular item is on permanent loan (when you can include it on your annual Group insurance arrangements) you should arrange cover for the period of the hire or loan.

Free short period insurance for events and equipment

if your Scout Group is covered under our annual Scout Property and Equipment Insurance policy, you will be able to get
short period cover for events and equipment free of charge*.

*Subject to Scout Property and Equipment Small Event Insurance Endorsement terms, clauses, conditions, exclusions and warranties.

Contents and/or Equipment Cover or All Risks Cover?

You can mix and match the Contents and/or Equipment Cover and All Risks cover.

See our Equipment Cover FAQs to help decide which cover you need for your Scout Group's equipment.

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