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unity scout insurance   Scout buildings advice  
Useful advice on how to make sure your Scout buildings are properly insured.
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Is your Scout hut properly insured?

Make sure you are getting the right cover for your Scout Group now, rather than when you need to make a claim.

Unity (Scout Insurance Services) suggests some of the main things you need to consider, when taking out an insurance policy for your Scout Group’s building.

  1. What is the cost of rebuilding your Scout hut
  2. When did you last get your Scout hut valued?
  3. Do you hire out your Scout Hut to others?
  4. If your building was damaged, would you be able to pay for the use of alternative premises for your weekly meetings?
  5. What are the excesses and restrictions on the policy?
  6. Have you read the small print?

What is the cost of rebuilding your Scout hut?

You should insure your building for the full cost of replacing it.

The sum insured for your building should represent the present day rebuilding cost. This should include boundary walls, gates and fences associated with the building.

This is not necessarily the price paid for your building or the precieved current market value of the property. You should make appropriate allowances for additional costs such as demolition, removing the debris, asbestos removal, professional fees, VAT, and rent.

Otherwise you may find that you are underinsured, and the claim will not pay out enough to replace your hut.

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When did you last get your Scout hut valued?

It is recommended that you get your building valued every 3 years.

Help is at hand, Unity is partnered with IAS Chartered Loss Adjusters to provide an indication of rebuilding cost free of charge for anyone taking out the Scout Property & Equipment policy with us.

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Do you hire out your Scout Hut to others?

a) Would your building and equipment in it be covered if your tenants damaged them?

Under our Scout Property and Equipment policy, your buildings would be automatically covered when you hire out the building to others.

b) Would your Group suffer a loss of income, if the other groups could not use your premises?

If you rent out your Scout building to playgroups or other local groups, you may lose income whilst you wait for your building to be repaired. So instead of a healthy income, you could be facing a sizeable hole in your funds! You can protect your income by taking out loss of revenue insurance. You may need to consider cover for loss of rent receivable.

If you insure your Scout buildings under Unity’s Scout Property and Equipment policy, we can arrange for this to be added to your policy.

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If your building was damaged, would you be able to pay for the use of alternative premises for your weekly meetings?

As well as the cost of repairing your Scout building, there could also be a cost in hiring or renting alternative premises, while your building is being repaired. Rather than increase your subs to pay for this, is it covered under your insurance?

If you insure your Scout buildings under Unity’s Scout Property and Equipment policy, you would be able to claim the additional rent you needed to pay, while your own building was unusable.

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What are the excesses and restrictions on the policy?

Insurance excess is the amount you would have to pay towards a claim. This can vary between different insurance policies, and would affect the amount you would need pay out of your Group funds, if you had to replace your insured items. Unity’s Scout Property and Equipment policy has been designed with low excesses in mind.

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Always read the small print

If you are covered through another broker or insurer and you are unsure of whether the cover they provide is adequate, at Unity, we will gladly review it for you and indicate where you might be exposed to potential losses. We will also provide a quote for comparison when your policy is due for renewal.

Looking for ways to pay your claim

At Unity, our in-house claims authority allows us to deal with the majority of claims, making the process easier for you and getting your claim settled quickly.

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Specialist insurance for your Scout buildings

Unlike standard insurance policies, our products have been specifically developed for Scouting. Check the unique buildings cover we offer under our Scout Property and Equipment policy.

For further information, to request an application pack, or if you wish to apply for this cover, please contact us on 0845 0945 703.

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