Civil Liability and Personal Disability cover is automatically included as a membership benefit for all individual members but does NOT extend to those resident outside the UK. This category includes all individual members, including bona fide family members where they are fully paid up and we have details of their names.
This is not a comprehensive travel policy, for details on travel and activity insurance please see the travel insurance section.
Civil Liability insurance
The policy covers you for any claim made against you for any civil liability arising in connection with hill walking, climbing and mountaineering. The limit of indemnity in respect of any claim made during the period of insurance is £10 million for any one period. The cover operates worldwide and there is no excess applicable. An example of the cover is the following: if you were climbing and dropped a piece of rock or protection on another climber or passer-by who then decided to sue you, the cover would apply.
The cover does not apply to people who are acting as professional instructors, guide's etc.
Civil Liability Master Policy
Civil Liability Certificate
Personal Disability Insurance
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Total and permanent loss of all sight in one or both eyes
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Occurring within two years of the happening of the event and not causing the death of the Person Insured within such two years
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£10,000
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Total loss by physical severance or total and permanent loss of use of one or both hands and feet
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£10,000
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Permanent total disablement from engaging in or attending to any occupation for which fitted by education, training or knowledge
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£10,000
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Total and permanent loss of hearing in both ears
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£10,000
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Total and permanent loss of speech
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£10,000
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No weekly benefits. Activities - only when involved in BMC activities, e.g. all forms of mountaineering (including ski mountaineering), climbing, walking, abseiling etc. Including travel to and from such activities.
Notes
- Members of Affiliated Clubs who are fully paid up and registered with the BMC benefit from the civil liability insurance, but not the personal disability cover.
- Members of Organisations and Bodies affiliated to the BMC i.e. Associate Members do not benefit from either civil liability or personal disability cover.
- This is a brief outline of the policy. Full details including all exclusions are set out in the master policy held by the BMC.