There seems to be some confusion about what SCACR’s insurance covers. Broadly speaking, it does not provide cover for individual members.

If you are ringing at your own tower, or on an outing organised by your tower, then you should be covered by your PCC insurance (you would need to check). If you visit another tower to ring with that tower's band then you are covered by that Tower's insurance. By allowing you to ring with them that tower captain is in effect accepting you onto their policy.

If a random group of ringers decides to organise its own outing, then (even if all are SCACR members) the Association insurance does not cover them. In order to be covered by SCACR insurance, the event would have to be accepted as an Association event. This means it would have to be open to any member to attend, publicised as an Association event, and an Association risk assessment carried out and approved in advance.

The Association insurance covers the Association, not individual members. SCACR is insured by Ecclesiastical, and the insurance covers Association-organised events only (as has been the case in the past). This provides public liability cover, and death or catastrophic injury cover, for the Association. It covers the Association (not individual members) against claims arising from Association-organised events only. The death and injury benefits compensate the Association for the loss of the services of that member. It is then up to the Trustees whether they would pass that money on to the injured person(s)/deceased's family; that is entirely at the Trustees’ discretion. That is not to say the benefit would not be paid to the member, but they do not have a right to it.

The main benefits of being a member are being part of a ringing community.

If you have further questions relating to SCACR insurance, please contact This email address is being protected from spambots. You need JavaScript enabled to view it..