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Personal Effects Cover

This section covers your members against loss, destruction or damage of their personal belongings while on Scout activities.

Whilst many homeowner insurances will cover certain items of personal effects carried by family members, there are usually limitations. Typically, cover will exclude personal effects whilst unattended. So, personal items left in tents whilst at camp would not be insured under a home insurance policy.

To replace even a humble pair of trainers or an expensive iPod may cost a Leader or parent a significant amount. Our personal effects cover will also save members having to claim for their lost, stolen or damaged belongings under their personal home insurance policy.

For these reasons, we offer excellent protection designed to cover all members of the Scout Group, whilst attending Scout activities, including weekly meetings and camps.

Features include:

  • Individual cover limits
    (allowing for claims from several members during the policy duration);
  • Wide definition of personal effects including baggage and sports/activity equipment; and
  • Cover includes organised travel to/ from activities.

A short period option is also available to cover one-off events such as annual camps.

Explorer and Network Units

Personal Belongings Explorer and Network Units would need to arrange their own Personal Effects policy for their members’ personal belongings. Their personal effects would not be covered under their Scout Group’s or District’s Property and Equipment policy.


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