If the helpers are injured in an accident themselves, they will not be covered under the Association’s Personal Accident and Medical Expenses Scheme (as with any member of the public involved in a Scouting activity).
Unity, Scout insurance service, recommends that Scout Groups buy extra cover for individuals who help out by adding them to the Personal Accident and Medical Expenses Scheme, and can arrange this for you.
This can cover non-members associated with your Group, such as helpers and instructors.
There are no differences in terms of the cover or level of benefits for Members and non-members covered under their separate policies.
Benefits are payable if an insured helper sustains bodily injury as a result of an accident which results in permanent injury or death. In addition to this, benefits are also provided if a member or insured helper sustains temporary disability as a result of an accident or illness contracted and diagnosed whilst staying away from home at any organised camp.
Cover is also provided for medical expenses as a result of an accident and cover for up to two relatives or friends who, on medical advice, are required to travel to and remain with the member or insured helper if they are hospitalised away from home.
Visit Unity’s website https://www.scoutinsurance.co.uk/cover_personal_accident.html where you can find details of the additional coverage recommended.