
This section contains details about:
Civil Liability Insurance Overview
How Liability could attach to a member of the MCofS
Significant Exclusions or Limitations
Click here for specimen copies of the MCofS Certificate of Insurance and Confirmation of Liability Cover documents
Click here for a specimen Confirmation of Cover for Individual and Honorary Members document, including Incident Reporting and Recording Guidelines.
General enquiries concerning the operation of the Civil Liability Insurance Scheme should be referred to the Senior Officer at the MCofS, rather than direct to Perkins Slade. Telephone 01738-493947 or use the contact form on this website.
Incidents should be recorded and reported using the guidelines detailed in the Confirmation of Cover (see above), to The Sports Team, Perkins Slade Limited, 3 Broadway, Broad Street, Birmingham B15 1BQ. Telephone 0121 698 8000; Fax 0121 625 9000. email sports@perkins-slade.com.
The following information is provided to inform members concerning the operation of MCofS Civil Liability Insurance, and its relationship to subscriptions.
Membership Subscriptions
The purpose of the membership subscription is to:
Membership subscriptions are reviewed each year, and may be increased following approval at the AGM. The CLI premium is included in the subscription and the premium is determined in consultation with the insurance broker.
There are three categories of membership – Individual, Club and Associate
The Individual Member subscription year runs from the date you join the MCofS. Your subscription is due at the anniversary of your joining date. Your insurance cover is invalidated if you do not renew your subscription.
Insurance cover is only available to fully paid up members who have a permanent UK address. Such members are covered for mountaineering activities in both the UK and overseas (but excluding USA and Canada).
Members with a permanent UK address who are working on a temporary contract or serving with the armed forces abroad are included within the cover, for mountaineering activities in both the UK and overseas (but excluding USA and Canada).
Any member permanently living abroad is not covered because the policy is subject to UK jurisdiction and the underwriters will not extend cover to permanent overseas residents.
Civil Liability Insurance Overview
MCofS Civil Liability Insurance provides protection against any circumstance in civil law for Individual Members, including:
In practice, there are a number of possible situations in which a claim could be made against an individual, some examples are:
CCPR Sports Scheme Combined Liability - Policy Summary
In order to comply with Financial Services Authority regulations Perkins Slade and the underwriter, Royal & Sun Alliance Insurance plc, require that the policy summary below should be provided along with the foregoing notes. It is a generic document that all National Representative Bodies that have access to the Civil Liability insurance policy are required to distribute to their members.
£2,000,000 is the minimum level of cover that is provided. The individual certificate of insurance and schedule held by the MCofS and BMC respectively specify any variation from the generic policy and detail the (i) policy period, (ii) name of the insured, (iii) operative timeand (iv) limit of indemnity etc. In the case of the MCofS and BMC the limit of indemnity for any one event is £5,000,000. See note below reviewing the policy.
This Liability policy is an annually renewable Combined Liability insurance, underwritten by Royal & Sun Alliance Insurance plc.
This Policy provides cover in respect of:
Cover therefore includes liability:
In certain circumstances cover may include member-to-member liability. This cover applies only when one Insured member brings a claim against another Insured member.
The following tables provide only a summary of the main policy benefits and the terms and conditions. For full details of these and all the terms and conditions that apply you should read the policy document. Commencing January 2008, and thereafter on payment of subscriptions, each Individual Member will be issued with a Confirmation of Cover docuement - click on the link for an example.
Note: The original Certificate of Insurance is held at the MCofS office. A specimen copy of the Certificate of Insurance is available here.
Significant Exclusions or Limitations