Insurance funded by UK Headquarters
5g.3.1 Scope
The insurances outlined in POR 5g.3 apply exclusively to Scout units and their members operating within the Federation governed by The Scout Association’s Royal Charter. These insurances are purchased by UK Headquarters from the membership subscriptions. Scout units must not independently purchase the insurances listed in this POR 5g.3.
The insurances described in POR 5g.3 do not extend to members of Girlguiding or any other individuals or organisations that are not formally part of the Scouts’ Federation.
Details of the current benefits under these policies are available from Unity.
5g.3.2 Compliance
For insurance cover provided by UK Headquarters to be remain valid, all POR rules must be complied with, particularly those relating to the organisation of activities and the safety precautions applying to activities.
All insurances and indemnity provided by The Scout Association are subject to the terms and conditions of the relevant insurance policy in force.
5g.3.3 Personal Accident and Medical Expenses Policy (PAME)
5g.3.3.1 Cover for members of Scouts
PAME insurance is funded by UK Headquarters and covers all members included on the annual census return, as well as new members who join during the year, in the United Kingdom, the Isle of Man, the Channel Islands, and British Scouting Overseas.
More details, including the schedule of benefits, are available on the Unity website.
5g.3.3.2 Cover for visiting Scouts from overseas
The PAME policy also extends coverage to parties of up to five visiting Scouts who are not members of The Scout Association but who are in the United Kingdom to take part in Scout activities organised by a British home unit.
5g.3.3.3 Additional third-party risks
Certain adventurous activities carry higher third-party risks and may require additional insurance arrangements which must be made by Unity.
For this reason, Groups, Districts or Counties must notify Unity in advance when planning to undertake air activities or karting.
5g.3.4 The Scout Association Legal Liability Policy (LLP)
5g.3.4.1 Liability cover
This LLP policy, which includes both Public Liability and Property Owners Liability, covers the whole The Scout Association and provides coverage for all Lead Volunteers, adult volunteers and other authorised individuals responsible for, or assisting with, Scout activities.
This includes claims brought by members (or their parents or guardians) or by third parties, alleging legal liability resulting from incidents during any authorised Scout activity or fundraising event. This is covered under the Public Liability section of the policy.
The LLP policy extends to cover every Group, District and County within the Federation, subject to POR 5g.3.2. No additional Public or Property Owners’ Liability insurance is required to be purchased by Groups, Districts or Counties.
5g.3.4.2 Property Owners Liability
The LLP policy also provides Property Owners Liability cover for any Scout unit that owns or is responsible for land or buildings, excluding liability accepted under any agreement.
5g.3.4.3 External activity providers
External activity providers must provide evidence of holding a public liability insurance policy which covers their activities to a minimum level of five million pounds. (POR 9a.5.7.4)
5g.3.5 The Scouts Trustee Indemnity Policy (TI)
5g.3.5.1 Purpose
The TI policy protects Trustees in the event they are held personally liable for the loss of charity assets or for making a decision that results in the charity sustaining a financial loss.
More details, including the schedule of benefits, are available on the Unity website.
5g.3.5.2 Scope
The TI policy applies to all Trustees and members of any sub-team of a Trustee Board within any charity that is part of the Federation, where the individual’s Trustee or sub-team role is recorded on the Scouts’ membership system.
The TI policy also covers any person co-opted or appointed to act as a Trustee or Trustee Board sub-team member, including Custodian Trustees or Holding Trustees, of Scout assets, regardless of whether or not they are members of a Trustee Board or are a member of Scouts.