Personal Accident Insurance for the Scouts

Personal Accident Insurance for Scouts

Personal Accident and Medical Expenses insurance for Scouts

You never know when an accident may happen. Being prepared is a way of life in Scouting, but sometimes we all need a little help to cope with the unexpected. That’s why we’ve developed Personal Accident and Medical Expenses insurance for Scouts.

Cover provided for members of the Scouts

Who is covered?

All members and future members of the Scouts whose units are recorded at UK Headquarters and are situated in the United Kingdom, Channel Islands or the Isle of Man, and including British Scouts Overseas.

When am I covered?

You’re covered for an accident which arises whilst you are travelling to, participating in, or travelling home from any authorised Scout activity.

What am I covered for?*

Personal Accident and Illness cover

Benefits are payable if you

  • sustain bodily injury as a result of an accident which results in permanent injury or death.
  • sustain temporary disability as a result of an accident or illness contracted and diagnosed whilst staying away from home at any organised activity.

Medical Expenses cover

Cover is also provided for medical expenses as a result of an accident and cover for up to two relatives or friends who, on medical advice, are required to travel to and remain with you if you're hospitalised away from home.

You can find details of the benefits provided in the Schedule of Benefits. Click here to see the Schedule of Benefits

* subject to policy terms and conditions. For the full terms, conditions and exclusions, please contact us

Personal Accident Cover extended for over 70's

We know that Scout volunteers continue into retirement, and we need to provide insurance to match. We've reviewed the benefit limits of our personal accident insurance and removed the upper age limit.


Just so you know, nothing's changed with the benefits of permanent and temporary total disablement, which only apply to those in employment.

Personal Accident and Medical Expenses Cover for Non-Members

Adult helpers and supporters

If non-member helpers are injured in an accident themselves, they will not be covered under the Scouts Personal Accident and Medical Expenses Scheme (as with any member of the public involved in a Scouting activity).

Unity recommends that Scout groups buy extra cover for individuals who help out by adding them to the Personal Accident and Medical Expenses Scheme, and we can arrange this for you.

This can cover non-members associated with your group, such as

There are no differences in terms of the cover or level of benefits for members and non-members covered under their separate policies.

Non-member children 

This is a scheme for children (under 18 years old) who are not members of the Scouts, but who attend, or take part in, weekly meetings or events because they are accompanying their parent(s), or with other adults. This can also cover crêches opened by groups.

This cover is arranged through Scout counties and areas.

Looking for higher levels of cover or 24 hour cover?

For higher levels of benefits and 24 hour cover beyond Scouting activities, you may want to consider our Scouts Personal Injury Plan.

'Provided just what we needed. We thought it might be more expensive than others. How wrong we were.'

2nd Harlington Scout Group

Who do we contact to report an accident at a Scouting event or activity?

Contact the Scout Information Centre at Gilwell Park on 0345 300 1818.

Details of the incident will be recorded and an Incident Report Form issued for completion.

Do Scouts need to wear uniform to be covered by insurance?

No, wearing Scout uniform is not an insurance requirement.  Well, you wouldn’t go swimming in full Scout uniform, but members are insured while swimming.

Talk to our team of professionals

Talk to our team of professionals

Faizul

Call me:

0345 040 7703
FAQ

Do Scouts have to be wear uniform to be insured?

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.

Are non-members, such as parents or occasional helpers covered under the Scouts Personal Accident policy?

Helpers and parents, who are not members, are not automatically covered by the Scout Association’s policy, but the group can purchase a policy giving them the same cover as members.

Are retired members covered under the Scouts Personal Accident policy?

Retired members are not automatically covered by the Scout Association’s policy, but the group can purchase a policy giving them the same cover as members.

Are members of our group’s Executive Committees covered under the Scouts policy for members?

In 2016 The Scout Association requires all adults on Executive Committees (at Group, District, County/Area and Region level) to become members or associate members of The Scout Association.  Therefore they are covered under the main Scouts PAME policy for members.
 

Are children who are not members covered under the Scouts Personal Accident policy?

They are not automatically covered by the Scout Association’s policy, but a Scout county can purchase a policy giving them the same cover as children who are members.

Are members over 70 years old covered under the Personal Accident policy?

Yes they are but they do not receive the same level of cover as adult members under 70 years old.

What is the difference between the Personal Accident and Medical Expenses cover for members and helpers?

There are no differences in terms of the cover or level of benefits for Members and non-members covered under their separate policies.
 

Who do we contact to report an accident?

Contact the Information Centre at Gilwell Park on 0345 300 1818. Details of the incident will be recorded and an Incident Report Form issued for completion.