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Answers to your freqently asked questions about insurance and Scouting.

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Insurance in Scouting - Frequently Asked Questions

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.

  1. As a Member, what am I covered for by The Scout Association?
  2. Will Scouts who do not wear uniform cause an insurance issue?
  3. Are we covered for first aid?
  4. Are my personal possessions covered while I am away on a Scouting activity?
  5. If I hire out our headquarters, will this affect my insurance?
  6. Are we OK to sign the lease agreements or liability indemnity agreements or should somebody else look at them first?
  7. As the insurance contact for my Group, I don’t seem to receive any correspondence about renewal. Why is that?

Q: As a Member, what am I covered for by The Scout Association?

A: The Scout Association provides protection for its Members while participating in a Scouting activity for:

The Association also provides Property Owners Liability Cover for all Scout owned buildings and Trustee’s Indemnity Insurance for all Scout management committees and trustees.

There is no need for your Scout Group to take out insurance for public liability or trustee indemnity insurance. You're already covered under The Scout Association's policies.

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Q Will Scouts who do not wear uniform cause an insurance issue?

A: No, wearing Scout uniform is not an insurance requirement, either when travelling to or from a Scouting activity. Nor is it an insurance requirement at the activity.

Well, you wouldn’t go swimming in full Scout uniform, but members are insured while swimming.

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Q Are we covered for first aid?

A.This is how The Scout Association’s Public Liability policy protects Members concerning first aid.

Administering First Aid
The Scout Association’s Public Liability policy provides protection for its Members who are trained and certificated to administer first aid on any of its Members and the general public.

Providing First Aid Training
In order to run a First Response course, the trainer is required to be either an externally qualified First Aid trainer, or hold a Full First Aid Certificate and The Scout Association’s Presenting and Facilitating modules.

The Scout Association’s Public Liability Policy will cover Scout Leaders who provide first aid training to other people in Scouting and Guiding.

However, if you provide first aid training for people outside Scouting and Guiding, you will need to arrange your own Professional Indemnity (PI) insurance. This type of training would not fall under the Scout Public Liability policy and a separate Professional Indemnity policy would need to be purchased by the group/ trainer/ training centre.

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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 the “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 Overseas Travel policy.

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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's Scout Property and Equipment policy, 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.

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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.

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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.

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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: 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.

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 our Scout insuranec experts.

T: 0345 040 7703

E: scouts@unityins.co.uk

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