Please find below Frequently Asked Questions about the Ramblers Combined Liability scheme:
You should contact Howden on 0121 698 8050 - click here for the "Contact Us" page.
Please do not contact Ramblers (Association) as they are not qualified to provide insurance advice.
You must maintain continuous affiliation to the Ramblers Association and be a constituted club to apply for the insurance cover and preferential rating which has been negotiated.
If you have previously renewed online please follow the instructions contained in this years renewal email you have received. If you choose to make payment by cheque, an administration charge will apply of £ 30. If you have any queries please contact us on 0121 698 8050.
If you previously renewed off line please follow the instructions in this year’s renewal invitation letter. We would emphasise that a £ 30 administration fee will apply. If you have any queries please contact us on 0121 698 8050.
Yes, either on line or off line. A £30 administration charge will apply.
Cover is available for all club members and volunteers whilst undertaking activities sanctioned by the club.
Activities insured are
Your policy would provide your club with cover for recognised Rambling activities undertaken anywhere in the world with the exception of United States and Canada.
The Statement of Fact is a generic document provided by insurers and we accept that not all statements will be relevant to you, e.g. you may not own premises in connection with your activities and so the statement relating to this is not applicable. In the case that a statement does not apply, please ignore it.
There are no age restrictions within the policy.
Yes. Unlike standard liability policies, it not only covers public liability (where you are liable for injury or property damage to others, but also includes:
Simply this means that a claim for Public and Products liability or Employers Liability will be covered if they occur within your policy period.
All other sections of the policy are written on a Claims Made basis, which means that the effective policy is the one in force at the time at which the incident is reported to insurers. Once a policy is cancelled, no cover is provided for Professional indemnity, Libel and Slander, Abuse, or Directors and officers incidents, notified after the date of cancellation.
If you are aware of any incidents that should be reported to insurers you should contact Howden on 0121 698 8050 immediately.
It is particularly important to ensure that policy documents are never thrown away, but held in a place of safekeeping.
All policies will have a retroactive date shown on the policy schedule. This means that any incident that occurred after your existing retroactive date will be subject to policy cover.
Member to member cover is provided automatically in the policy.
A constitution protects the committee in that it evidences the agreement between the members and the committee regarding powers to run the club. Without a written constitution, the management committee are exposing themselves to legal liability in acting outside of their powers, or even acting unfairly.
Employers’ Liability protects the employer in the event of an injury to an employee in circumstances where the employer is legally responsible. Public Liability protects the Club member if another member or a member of the public, sues them for Injury or damage allegedly caused by them.
In the event of a claim, your limit of indemnity is the maximum your policy will pay. We are seeing awards in sport that exceed this amount. We would advise that £5m should be taken out as a minimum and recommend that you seriously consider higher limits.
Professional Indemnity provides cover in respect of claims that may arise if, as a member, you are legally liable for an incident that results in injury to another party, or damage to third party property. However, a standard Public Liability policy will have a specific exclusion in respect of advice given. To be safe therefore we include Professional Indemnity cover which specifically covers advice for all members.
Yes, but only for:
It is possible that comments made on your website or in emails you send could give rise to claims against you if they are taken by a Third Party to be defamatory or derogatory, even if there was no intention to do so on your part. This section of cover will protect you if someone claims damages against you in such circumstances.
...I am involved in an incident involving a fatal accident, an injury involving either referral to or actual hospital treatment, any allegations of libel/slander, any allegations of professional negligence, i.e. arising out of tuition, coaching or advice given, any investigation under any child protection legislation or any circumstance involving damage to third party property?
Report the incident to Howden immediately/or as soon as is practical after the incident occurred. Tel 0121 698 8140.
If you are injured you should seek legal advice on how to pursue a claim against the person responsible. You may also wish to consider purchasing a Personal Accident policy.
If a person is taking part in an official ‘Taster Session’ with a view to deciding whether the activity is for them and they want to become a member of the affiliated club, then the policy will extend to provide an indemnity to that person, up to a maximum of 3 walks. A register of persons attending taster sessions, the number of sessions they attend and their contact details should be maintained.
This should not, however, be confused with a situation where a relative or friend is visiting a member and decides to take part in a walk. This situation is more likely to arise at club level than national/regional level. In such instances, the individual is unlikely to be taking part with a view to becoming a member of the club and in consequence, no indemnity is provided to that person. i.e. If they injure someone or damage third party property, the policy will not provide them with an indemnity. If, however, the person were injured as a result of an act of negligence by an insured person or walk leader and pursued a claim for their injury, then their claim would be dealt with as any other third party claim would be.
Club members are allowed to take dogs on walks organised by the club; however they should remain under the control of the owner at all times. Importantly, dogs should be on a lead when in the vicinity of farm animals.
A third party can come in various guises:
Walk Leaders are encouraged to take a register of all attendees & in respect of non-members, their address/contact phone number as well. The main reason for this is that if a claim is made at a later date, either against that person or by that person, it is important to be able to provide evidence that the person was on the walk in question.
Working parties involved with Path Maintenance are included under the club policy providing they are not engaged in the major construction, maintenance and repair of complex footbridges, stiles or the like.
Guidance for Best Practice when the Clubs/Groups are undertaking working parties is available within the Ramblers Insurance Guidance documents located here.
Recognised Path Maintenance would include:
Any other activities are excluded from the policy.
The relevant Local Authority (sometimes the National Park Authority) and Landowner should always be aware the work is taking place and correct permissions gained before work commences.
In addition, if the maintenance work involves the use of small power tools such as:
...it is essential that the club ensure that the members know how to use these small power tools.
Members/Volunteers holding a current qualification may use chainsaws and the appropriate protective clothing must be worn
Whilst not compulsory it is strongly recommended and considered good practice, that a walk leader should carry out a recce for a walk beforehand and should have noted, (if relevant) in writing, any potential hazards. I.e. broken or unsafe stiles, roads, fallen trees etc. We recommend recces so that a walk leader can feel confident about the route they are going on and its another way of avoiding risk when leading group walks.
A written risk assessment should be completed by the walk leader or another suitable official. It is accepted however that regular walks of the same route will be sufficiently covered if a generic risk assessment is produced. The key here is to ensure that the risk assessment is adhered to and a register maintained.
No. The policy only covers those activities recognised by the Ramblers. Typically this is interpreted as general walking/rambling at both low and high level but without the use of Climbing Equipment, Ropes, Traversing Equipment, Crampons or other like artificial aids.
The policy doesn’t carry a third party excess of any kind.
The policy does extend to include social activities such as Barbeques, Quiz Nights, Seminars/Talks etc.as organised by the club. Firework and Bonfire parties can be included, however, reference needs to be made to Howden as there are various points that need to be adhered to and an additional premium is also required.
No. The question of guests has previously arisen in question i). Guests (unless those being classified as being on an official taster session) do not receive an individual indemnity themselves, however, the cover afforded to RA members is not affected in any way.
No, the duty of care is the same for members & guests alike. Everyone has a duty of care to their neighbour. The advantage of being a member, however, is that you receive invaluable individual indemnity.
No, the policy carries a very specific exclusion relating to motorised vehicles. Such cover is provided by a motor policy & the claim should be referred to the appropriate motor insurers.