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Other insurance cover

5g.4.1.1 Extensions to PAME
This section 5g.4.1.1 lists options for Groups, Districts, Counties to purchase extensions to the PAME insurance in POR 5g.3.3.1 and POR 5g.3.3.2. These extensions are not included in the PAME policy purchased by UK Headquarters.

Note that these policy extensions may be purchased from Unity, or from alternative insurance providers.

  1. Additional insurance may be purchased to extend benefits beyond those included in the standard Scouts’ PAME policy. 
  2. Non-members are not covered under the Scouts’ PAME insurance. However, non-members residing in the United Kingdom, the Isle of Man, and the Channel Islands can be insured under PAME if a Group, District or County purchases specific PAME cover for their non-members. POR Chapter 16 Teams Table indicates which roles have ‘member’ status.
  3. As an extension to POR 5g.3.3.2, larger groups of visitors are not automatically covered under PAME. They may, however, be independently insured by the host unit, provided the visitors are not already covered by their home Scout Association.  

5g.4.1.2 Locally arranged insurance cover
Under POR 5c.1.5.4(e), 5c.2.5.4(d), 5c.3.5.4(d), 5c.34.5.4(d), 5d.1.5.3(i), 5d.2.5.3(i) and 5d.3.5.2(i) every Group., District, and County Trustee Board must maintain, and regularly review, appropriate insurance cover in respect of other risks, including, but not limited to: 

  1. Supplementary extensions to PAME insurance (POR 5g.4.1.1(a))
  2. PAME for non-members (POR 5g.4.1.1(b))
  3. PAME for larger groups of visiting Scouts (POR 5g.4.1.1(c))
  4. property and equipment, owned, hired, or borrowed, including the loss or damage whilst in transit or at camp or on expeditions
  5. minibuses and other motor vehicles, including passenger risk, whether in the British Isles or other countries
  6. marine and boating activities (POR 9b.5.5.3)
  7. aviation and air activity (also note POR 5g.3.3.3(c), POR 9b.2.2.3, POR 9b.2.10.1(a), and POR 9b.2.10.2)
  8. karting (POR 5g.3.3.3(c))
  9. visits abroad (POR 9a.3.1.6)
    The policy available from Unity covers accidents and medical expenses but is only available to groups of members based in the United Kingdom, the Channel Islands or the Isle of Man.  
    For Scouts in Northern Ireland travelling to the Republic of Ireland, additional travel insurance is not required for trips lasting 48 hours or less. However, if it is assessed that cover is required for emergency medical expenses, personal possessions, or cancellation, then travel insurance must be purchased (POR 9a.3.1.7)
    Members based in British Scouting Overseas or the Overseas Territories should obtain equivalent travel insurance cover locally.
  10. employers’ liability for persons employed by a Group, District or County.