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Equipment Cover – Useful Information

Contents and/or Equipment or All Risks?

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.

All Risks Cover provides wider cover than the Contents and/or Equipment Cover. However, premiums are generally higher under this section than the Contents cover.

Under All Risks Cover you are not restricted by the need to declare a storage location. This can benefit Groups without a regular “home” for its equipment. Unlike the Contents and/or Equipment cover, the All Risks cover also offers the facility to insure more expensive electrical equipment (specialised TV, video, etc). The All Risks cover can further cover risks associated with hiring and loaning equipment (marquees, etc), which the Group may allow other organisations to use.

Both options cover equipment in use in the United Kingdom.

Our flexible policies mean that you can mix and match the contents cover and the all risks cover to suit your Scout Group’s individual needs. To get the best balance between price and cover you can choose to insure your equipment under either option, or you can insure part of your equipment under the Contents and/or Equipment cover with specified items insured under the All Risks cover.

For more information, please see our Equipment Cover – Frequently Asked Questions page.


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