home | who we are | what we offer | useful advice | resources | news | other charities | contact us  
 
0345 040 7703
unity scout insurance services
unity scout insurance   Scout Insurance  

Is your Scout Group properly insured?

Make sure you have the right cover
for your Scout Group.

divider
  Cover provided by TSA divider Additional cover you may need divider  
 
  To speak to
us call:
0345 040 7703
  get a quoteAdvice
  BuildingsInsurance
  BuildingsBuildings
  BuildingsEquipment
  CampingCamping
  EventsEvents
  FireworksFireworks
  FundraisingFundraising
  MotorMotor
  Risks Risks & safety
  TravelTravel
 

How does your Scout Group’s insurance stack up?

Make sure you are getting the right cover for your Scout Group now, rather than when you need to make a claim.

Unity (Scout Insurance Services) suggests some of the main things you need to consider, when taking out an insurance policy for your Scout Group.

  1. Does your insurance cover the cost of rebuilding your Scout hut?
  2. Are you covered if you hire out your Scout Hut to others?
  3. If your building was damaged, are you covered for the cost of the use of alternative premises for your weekly meeting?
  4. Is your Group’s equipment insured at camp and when you are using it?
  5. Are you covered if you hire out or loan your Scout equipment to others?
  6. If you hire in or borrow equipment, does the owner’s insurance cover you using of them?
  7. Does your insurance cover your specialist items, such as marine equipment, a minibus, other motor vechiles or a trailer?
  8. What are the excesses and restrictions on your policy?

1.Does your insurance cover the cost of rebuilding your Scout hut?

You should insure your building for the full cost of replacing it. Otherwise you may find that you are underinsured, and the claim will not pay out enough to replace your hut. It is recommended that you get your building valued every 3 years.

How Unity can help:

  • We are partnered with IAS Chartered Loss Adjusters to provide an indication of rebuilding cost free of charge for anyone taking out our Scout Property & Equipment policy with us. The cost of arranging this type of estimation service yourself could cost your Group several hundred pounds.

back to the list of questions

2. Are you covered if you hire out your Scout Hut to others?

a) Would your building and equipment in it be covered if your tenants damaged them?

How Unity can help:

b) Would your Group suffer a loss of income, if the other groups could not use your premises?

If you rent out your Scout building to playgroups or other local groups, you may lose income whilst you wait for your building to be repaired. So instead of a healthy income, you could be facing a sizeable hole in your funds!

How Unity can help:

  • You can protect your income by taking out loss of revenue insurance. You may need to consider cover for loss of rent receivable. If you insure your Scout buildings under our Scout Property and Equipment policy, we can arrange for this to be added to your policy.

back to the list of questions

3. If your building was damaged, would you be able to pay for the use of alternative premises for your weekly meetings?

As well as the cost of repairing your Scout building, there could also be a cost in hiring or renting alternative premises, while your building is being repaired. Rather than increase your subs to pay for this, is it covered under your insurance?

How Unity can help:

back to the list of questions

4. Is your Group’s equipment insured at camp and when you are using it?

You need to consider when and where your Group’s equipment needs to be insured.

For items such as camping equipment you may need to consider covering them when they are in storage, being taken to and from camp, at camp and when being used at camp. If not, a claim may not be paid for loss or damage to equipment at camp. Some general small business insurance policies may not cover camping equipment at camp, or even outside.

How Unity can help:

  • Our Scout Property and Equipment policy automatically covers your equipment at camp in the UK, when you’re using it and even when it’s unattended at camp. We know it isn’t much fun camping inside; other insurance brokers might not!

back to the list of questions

5. Are you covered if you hire out or loan your Scout equipment to others?

IIf you hire out your Scout building to a local playgroup or tents to the district Explorer Unit, you will need to make sure that your insurance policy covers this.

How Unity can help:

  • Our Scout Property and Equipment insurance policy has the flexibility to cover your Group’s equipment as contents (for loss or damage whilst in transit, and camping equipment in use within the UK) or wider cover under an All Risks option (cover for equipment loaned out to other Scout Groups or Girlguiding Units and European cover as standard on all equipment).

back to the list of questions

6. If you hire in or borrow equipment, does the owner’s insurance cover you using of them?

If your Group borrows equipment and it is damaged, you would need to reimburse the owner from Group funds, if you were not insured. You should consider insuring these on a short term basis, if the owner’s insurance does not cover you using of them.

How Unity can help:

  • As well as annual cover, don’t forget we can also arrange short period cover for items belonging to other people, which you may hire in or borrow.

back to the list of questions

7. Does your insurance cover your specialist items, such as marine equipment, a minibus, other motor vechiles or a trailer?

Some items that your Scout Groups owns may need specialist insurance, and cannot be covered under general equipment policies.

How Unity can help:

back to the list of questions

8. What are the excesses and restrictions on your policy?

Insurance excess is the amount you would have to pay towards a claim. This can vary between different insurance policies, and would affect the amount you would need pay out of your Group funds, if you had to replace your insured items.

How Unity can help:

  • Our Scout Property and Equipment policy has been designed with low excesses in mind.

back to the list of questions

Always read the small print

How Unity can help:

  • If you are covered through another broker, we will gladly review your current policy for you and indicate where you might be exposed to potential losses. We will also provide a quote for comparison when your policy is due for renewal.

Looking for ways to pay your claim

How Unity can help:

  • Our in-house claims authority allows us to deal with the majority of claims, making the process easier for you and getting your claim settled quickly.

back to the list of questions

Specialist insurance for your Scout Group

How Unity can help:

Let our team of experts help find the right insurance cover for your Scout Group.

Call us on 0345 040 7703

Twitter Facebook

back to top

 

 
  terms of business vspacer privacy policy vspacer legal disclaimer vspacer make a complaint vspacer feedback vspacer sitemap vspacer links   © 2018 Unity Insurance Services