{"alias":"contentPage","byline":null,"standfirst":null,"content":{"layouts":[{"type":"sidebar","areas":[{"items":[{"gridType":"RichTextBlock","content":"\u003Cp\u003EThe Trustee Board (formerly Executive Committee) is responsible for ensuring that there is adequate insurance in place for people, property and equipment.\u003C/p\u003E\n\u003Cp\u003EYou may be required to support the Trustee Board to do this by maintaining records of:\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EMembers and non-Members involved in Scouting\u003C/li\u003E\n\u003Cli\u003EEquipment you own, store, hire or loan out to others\u003C/li\u003E\n\u003C/ul\u003E\n\u003Ch3\u003EInsurance automatically provided by the Scouts\u003C/h3\u003E\n\u003Cp\u003EThe Scouts, through Unity Insurance Services, provides insurance to protect what is most important in Scouting: you, the members.\u003C/p\u003E\n\u003Cp\u003EThere are three kinds of insurance arranged by Unity for the Scouts, for which the premiums are provided by your annual membership subscriptions. These are:\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003E\u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.unityinsuranceservices.co.uk/scout-insurance/public-liability-insurance\u0022 target=\u0022_blank\u0022 title=\u0022Unity public liability\u0022\u003EPublic liability\u003C/a\u003E\u003C/li\u003E\n\u003Cli\u003E\u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.unityinsuranceservices.co.uk/scout-insurance/accident-medical-insurance\u0022 target=\u0022_blank\u0022 title=\u0022Accident medical insurance\u0022\u003EPersonal accident and medical expenses\u003C/a\u003E\u003C/li\u003E\n\u003Cli\u003E\u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.unityinsuranceservices.co.uk/scout-insurance/trustees-Indemnity-insurance\u0022 target=\u0022_blank\u0022 title=\u0022Trustees indemnity\u0022\u003ETrustees indemnity\u003C/a\u003E\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003E\u003Cspan\u003EThere is no need for a Scout Group to take out insurance for public liability or trustee indemnity insurance.\u003C/span\u003E\u003C/p\u003E\n\u003Ch3\u003EAdditional insurance cover that Groups, Districts and Counties may need to purchase\u003C/h3\u003E\n\u003Cp\u003EThe Scouts\u0027 rules state that every Scout Group must maintain adequate insurance cover, to be reviewed annually, in respect of:\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003EProperty and equipment, including the risk of loss or damage to equipment whilst in transit or at camp or on expeditions.\u003C/li\u003E\n\u003Cli\u003EMotor vehicles, including passenger risk, in the British Isles or abroad.\u003C/li\u003E\n\u003Cli\u003EMarine and boating risks.\u003C/li\u003E\n\u003Cli\u003EAviation and air activity risks.\u003C/li\u003E\n\u003Cli\u003EAuthorised Scout visits abroad.\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003EIn addition to the central insurance policies arranged for everyone by the Scouts, to cover liability, personal accident and medical expenses above, Unity provides a range of additional specialist covers, which your scout group, district and county may need.\u003C/p\u003E\n\u003Cp\u003EThese can cover:\u003C/p\u003E\n\u003Cul\u003E\n\u003Cli\u003ENon-members associated with your Group, District or County.\u003C/li\u003E\n\u003Cli\u003EThe things your Group, District or County owns.\u003C/li\u003E\n\u003Cli\u003EEvents that you run.\u003C/li\u003E\n\u003C/ul\u003E\n\u003Cp\u003E\u003Cspan\u003EFor more information, please visit the\u00A0\u003C/span\u003E\u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.unityinsuranceservices.co.uk/scout-insurance\u0022 target=\u0022_blank\u0022\u003EUnity website\u003C/a\u003E\u003Cspan\u003E,\u00A0 or call them on 0345 040 7703.\u003C/span\u003E\u003C/p\u003E\n\u003Ch3\u003EUnity Insurance Services\u003C/h3\u003E\n\u003Cp\u003EUnity is your insurance broker, the official insurance broker of The Scout Association, with over 80 years\u0027 experience providing cover to the Scout Movement. 100% of its profits go back into Scouting.\u003C/p\u003E\n\u003Cp\u003EUnity Insurance Services is a trading name of Scout Insurance Services Limited, a wholly owned subsidiary of The Scout Association. Unity Insurance Services is authorised and regulated by the Financial Conduct Authority, FRN 312976.\u003C/p\u003E\n\u003Ch3\u003EOther issues\u003C/h3\u003E\n\u003Cp\u003EBelow are a few specific issues which often come up in relation to Scouting and insurance.\u003C/p\u003E","gtmId":"","gtmClass":""},{"gridType":"accordion","gtmId":"","gtmClass":"","showExpand":false,"items":[{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003E\u003Cspan\u003EWearing Scout uniform is not an insurance requirement. Well, you wouldn\u2019t go swimming in full Scout uniform, but members are insured while swimming.\u003C/span\u003E\u003C/p\u003E","label":"Wearing uniform and insurance"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003EIf accidents or incidents occur during any authorised Scouting activity, then legal liability cover for non-members, such as helpers, may be granted by The Scout Association under its liability policy.\u003C/p\u003E\n\u003Cp\u003EHowever, if the helpers are injured in an accident themselves, they will not be covered under the Association\u0027s personal accident and medical expenses scheme (as with any member of the public involved in a Scouting activity).\u003C/p\u003E\n\u003Cp\u003EUnity recommends that Groups buy extra cover for individuals who help out by adding them to the personal accident and medical expenses scheme, and can arrange this for you.\u003C/p\u003E","label":"Helpers, who are not members"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003EMotor insurance for transporting Scouts to and from events in your own vehicle is not covered by The Scout Association\u2019s policies.\u003C/p\u003E\n\u003Cp\u003EUnder United Kingdom law, the driver of a motor vehicle must hold a suitable third party insurance (including indemnity to passengers) and the minimum levels of cover have to be provided by any motor insurer. As this is a statutory requirement, The Scout Association does not provide any cover to individuals in respect of their liability as car drivers as this would be a pointless duplication of cover. Therefore you will need to check with your own motor insurers to see if this is covered under your policy.\u003C/p\u003E\n\u003Cp\u003EScouting is considered by the majority of insurers to be a social, domestic and pleasure activity, therefore transporting Scouts is judged to be no different from transporting your child\u0027s friends home from a birthday party or similar event.\u003C/p\u003E\n\u003Cp\u003EThe Scout Association\u2019s personal accident and medical expenses policy will still cover members whilst being transported to and from Scouting activities.\u003C/p\u003E","label":"Using your own car for Scout activities"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003EThe Scout Association has no legal interest in your personal possessions and therefore cannot insure them against loss or damage.\u003C/p\u003E\n\u003Cp\u003EYou should ensure that they are either adequately covered under your household insurance or Unity can help by providing separate cover under the \u0027personal effects\u0027 section of the property and equipment insurance scheme.\u003C/p\u003E\n\u003Cp\u003EIf you\u0027re 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. Unity can arrange a suitable UK or overseas travel policy.\u003C/p\u003E","label":"Personal possessions, like mobile phones or MP3 players"},{"gridType":"accordionItem","gtmId":"","gtmClass":"","body":"\u003Cp\u003ENon-members are not covered by the Scouts\u0027 policies while taking part in Scouting activities at fun days, fundraising events or similar. However, should a non-member have an accident and subsequently bring a claim of negligence against the group or its helpers, legal liability cover may be granted by The Scout Association under its liability policy.\u003C/p\u003E\n\u003Cp\u003E\u00A0\u003C/p\u003E","label":"Non-members at activity events"}]}]},{"items":[{"type":"Promo","cta":"Visit the Unity website","body":"\u003Cp\u003EInsurance solutions for the Scouts.\u003C/p\u003E","link":{"name":"Unity Scout insurance","id":null,"url":"https://www.unityinsuranceservices.co.uk/scout-insurance","newWindow":false,"target":null},"colour":"#0061ce","title":"Unity","image":null,"imageFocus":"","imageId":0,"imageKey":"00000000-0000-0000-0000-000000000000","imageCrop":"","gridType":"card","gtmId":"","gtmClass":""},{"type":"Promo","cta":"Visit Unity Insurance website","body":"\u003Cp\u003EProperty insurance includes buildings on your property and covers the cost of rebuilding or repairing buildings. Most Groups will own contents and equipment, some of which could be costly to replace. Contents or All Risks insurance covers the cost of replacing equipment that has been stolen, lost or damaged. Our Scout Property and Equipment policy Our Scout Property and Equipment Policy is designed for Scouting to provide a flexible package to suit your individual needs.\u003C/p\u003E","link":{"name":"Unity insurance","id":null,"url":"https://www.unityinsuranceservices.co.uk/scout-insurance/property-equipment-insurance","newWindow":false,"target":null},"colour":"#0061ce","title":"Property and Equipment Insurance for Scouts","image":null,"imageFocus":"","imageId":0,"imageKey":"00000000-0000-0000-0000-000000000000","imageCrop":"","gridType":"card","gtmId":"","gtmClass":""}]}],"config":null}]},"searchDescription":"The Scouts, through Unity Insurance Services, provides insurance to protect what is most important in Scouting: you, the members.","pageType":null,"location":null,"browserTitle":"","versionDate":"15 July 2023","reviewDate":"22/10/2020","redirectUrl":"","id":46844,"nodeName":"Insurance","title":"Insurance","type":"contentPage","image":null,"assets":null,"headerOptions":{"headerTitle":"Insurance","headerSubTitle":"All Members of The Scouts are covered by insurance while taking part in Scouting activities.","headerCta":"","headerCtaText":"","headerCtaLink":"","headerBackgroundColour":"0061ce","showSEOImage":false,"headerBackgroundImage":null,"quickLinks":[{"caption":"","title":"Unity Insurance Services","url":"https://www.unityinsuranceservices.co.uk/scout-insurance","newWindow":true}]},"subHeader":"The Scouts, through Unity Insurance Services, provides insurance to protect what is most important in Scouting: you, the members.","silktide":"eyJjbXMiOiJVbWJyYWNvIiwiZWRpdG9yVXJsIjoiaHR0cHM6Ly9wcm9kLWNtcy5zY291dHMub3JnLnVrLy91bWJyYWNvIy9jb250ZW50L2NvbnRlbnQvZWRpdC80Njg0NCJ9","canonicalUrl":"https://www.scouts.org.uk/volunteers/running-things-locally/finances-and-insurance/insurance/"}