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AGM 2018 - vote on personal accident insurance

At our Annual General Meeting this year we are giving members and clubs the opportunity to vote on whether or not to introduce a new membership benefit. After requests from several members and clubs, we have explored the option of including personal accident insurance for your hillwalking and climbing as part of our membership package. We are asking members and clubs to vote on whether this is introduced. Read on to find out more and make sure you vote for your preference…

£2 per person a year, incorporated into your membership subscription from 1 April 2019.

Our collective bargaining power enables us to offer you great value for money, significantly less than the cost if a member were to separately arrange similar personal accident cover themselves. To do this though, we need to introduce it for all individual members and members of clubs – it can’t be an optional extra.

All members aged 3 to 80 years old are eligible for the personal accident insurance cover. Members outside this age range will automatically receive a £2 discount on our membership prices to counteract the price rise.

The personal accident cover is tailored to provide financial assistance to hillwalkers, climbers and mountaineers if they have a serious accident while ‘mountaineering’ that results in a permanent disabling injury and a lengthy recovery process. It is designed to go towards the kind of things you might need to help you in this sort of unfortunate situation – offering extra funds which would really make a difference during an extremely challenging period.

The personal accident insurance provides a lump sum payment of up to £10,000 and support with additional recovery costs. See the list here:

Personal accident cover payments
Death £nil
Loss of two or more limbs £10,000
Loss of one or more eyes
Permanent and total loss of speech £10,000
Permanent and total loss of hearing in both ears £10,000
Total disablement from gainful employment of any and any kind (under 18s) or your usual employment (18s and over) £10,000
Additional cover
Emergency dental treatment £500
Hospitalisation£50 per day
(up to 52 weeks)
Convalescence£100 per week
(up to £400)

This personal accident insurance will cover you for the full list of mountaineering activities recognised already by our liability insurance cover. These include hillwalking, climbing, scrambling, bouldering, ski touring and mountaineering, canyoning, coasteering, fell and mountain running or the operation of huts. Socials, canoeing, kayaking, mountain biking and cycling are covered in the context of club meets. Cover is extended to include direct travel to and from such activities as part of an organised party.

The personal accident cover protects those taking part in adventurous activities anywhere in the world, however it is not travel insurance, which would still need to be organised for any other emergency medical expenses.

This will work in addition to any existing personal accident insurance policies you pay for. You may want to review whether you require both.

For us to get a competitive rate we need to use the bargaining power of our full membership, so if personal accident insurance is introduced, the £2 charge will be incorporated into subscription fees across the board. The only exception is for members who don’t fit the 3 to 80 years old eligibility age bracket.

You can email us at membership@mountaineering.scot if you or your club have any questions about what is proposed.

Individual members will have the opportunity to vote in support or against the proposal at the Mountaineering Scotland AGM. Clubs will be able to vote on behalf of their members.