Personal accident insurance

This provides a 'no-fault' compensation for Individual members of Mountaineering Scotland up to the age of 80 and resident in the UK or Republic of Ireland who are injured whilst participating in a mountaineering activity (as defined in the Liability section) anywhere in the world (includes direct travel to and from the activity within the UK only). 

Individual members include those with Individual (Adult/Youth), Concession, Mountain Training Candidate, ClimbScotland Gold or 18-25 membership. 

Summary of insurance benefits

A summary of the cover included is shown below. You can download further information here:

Benefit Sum insured
1. Death£10,000
2. Loss of two or more limbs or eyes or one of each£10,000
3. Loss of one limb or one eye
£10,000
    Loss of two or more limbs or eyes or one of each£10,000
   Permanent or total loss of speech£10,000
   Permanent or total loss of hearing in both ears£10,000
   Permanent or total loss of hearing in one ear
25% of the above
4. Permanent Total Disablement from gainful employment for which the Insured is fitted by way of training, education or experience
£10,000
5. Temporary Total Disablement from the Insured Person's Regular Gainful Employment
Not insured
6. Temporary Partial Disablement from at least 50% of the Insured Person's Regular Gainful EmploymentNot insured

Special benefits as noted below:
 Sum insured
Broken bonesArm (humerus, radius, ulna, carpals) £100
Leg (femur, tibia, fibula, metatarsals, tarsals, patella £200
Clavicle £200
Skull £200
Max up to £500 any one Insured Person
Coma benefit £50 per day for each day up to a max of 104 weeks
Dental Expenses Up to £1,000
Funeral Expenses Up to £10,000
Hospitalisation £50 per day up to £750
Medical Expenses Up to £10,000
Physiotherapy or Osteopathy treatmentUp to £500
Rehabilitation ExpensesUp to £10,000

Significant exclusions

Injury arising out of: 

  • Anybody over the age of 80 years.
  • Residents outside of Great Britain and Northern Ireland, Isle of Man, Channel Isles, and Republic of Ireland.
  • Professional sports person or professional entertainer.
  • Suicide or deliberate self-harm.
  • Engaging in aviation as a pilot or crew member.
  • Member of the armed forces whilst on active duty.
  • Post traumatic stress disorder, psychological or psychiatric condition.
  • Repetitive stress (strain) injury or syndrome.
  • Driving whilst under the influence of alcohol over the legal limit.
  • Any act of terrorism. 


Specific terms and conditions are available for inspection or clarification from: 

Howden Insurance Brokers  

8th Floor 45 Church Street 

Birmingham B3 2RT 

Tel: 0121 698 8000  


Howden Insurance Brokers  Limited is authorised and regulated by the Financial Conduct Authority in respect of general insurance business. Registered in England and Wales under company registration number 725875 Registered Office: 1 Creechurch Place, London EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.