Confirmation of Cover

A group walking through a park, shaded by trees

Summary of Liability Insurance

Download the certificate here (pdf)

Insured: The Ramblers’ Association and Members

Period of Cover: 01 October 2017 to 30 September 2018

Retroactive Date: 02/04/2012 in respect of Walking for Health activities
01/01/1985 in respect of The Ramblers Association and their members 

Activities: Declared activities of the Ramblers Association, including campaigning, instruction & coaching, Duke of Edinburgh approved activity provider, Big Pathwatch and Ramblers Routes, maintaining & improving footpaths, promotion & development, project funded activities including Get Walking and Keep Walking, property, rental from others, rambling, scrambling (defined as terrain where a rope or safety equipment would not be required except in emergencies) walking and hill walking (is defined as terrain where a rope would not be required except in emergencies) social events including staff activities 

Who is entitled to Indemnity: Ramblers’ Association, Welsh and Scottish Councils, employees, volunteers & committee members, local groups & their volunteers, individual members whilst participating in recognised Ramblers Association group events/walks, flexi group individual members, Walking for Health trained Walk Leaders
The policy only provides Indemnity to UK residents, except for student members who are temporarily resident and cover for those members is strictly for UK activities only

This cover does not extend to individual Ramblers Clubs


Cover is provided by Hiscox Insurance Company Limited and Zurich Insurance plc. Hiscox and Zurich are authorised and regulated by the Financial Conduct Authority (the "FCA") and may effect and carry out contracts of insurance.

Primary Liability is provided by Hiscox Insurance Company Limited and Excess of Loss is provided by Zurich Insurance plc. . 

Policy Number:
The Ramblers Association
HU PI6 1924908 and KN867805
Members & Walking for Health Leaders HU PI6 1950922 and LN867806


This covers legal liability for damages and legal costs arising out of Third Party loss, injury or damage, in connection with the activities described above occurring and notified to Insurers within the period noted above. Cover includes public liability, professional indemnity, liability for damage to leased and rented premises, member to member liability, indemnity to principals and liability arising out of goods sold or supplied including refreshments. All incidents that may give rise to a claim in the future should be notified to Insurers through Howden at the time of incident. 

Limit of Indemnity

Public Liability £10,000,000 any one event Products Liability
£10,000,000 any one period of cover Professional Indemnity
£10,000,000 any one claim excluding defence costs 

(subject to a maximum £7.5m in respect of abuse any one period of cover) 


Principal Exclusions

Liability arising out of:
1 Criminal Acts
2 The ownership, possession or use of any mechanically propelled vehicle, aircraft, hovercraft or water-borne craft
3 Product Guarantee or recall, repair or replacement
4 In connection with damage to any data
5 Medical malpractice
6 Damage to own property
7 Abuse in respect of the individual accused or alleged to have committed abuse or have permitted abuse
8 Incidents prior to the retroactive date above
9 Incidents / claims known to you but not reported to Insurers within 30 days
10 Incidents prior to membership of the Ramblers Association, or 2nd April 2012 in respect of Walking for Health activities
11 Tour Operators liability or any liability arising from The Package Travel, Package Holidays and Package Tours Regulations 1992

Restricted cover applies in respect of legal actions brought in a court of Law outside of Europe


The above is intended to be a summary only of cover, a full copy of the cover is available on request from Perkins Slade Ltd, Tricorn House, 51-53 Hagley Road, Birmingham, B16 8TP Cover is provided by Hiscox Insurance Co.Ltd. Hiscox Insurance Co.Ltd. Registered in England and Wales at 1, St Helens’, London, EC3A 6HX Hiscox Insurance Co.Ltd. is authorised and regulated by the Financial Conduct Authority (the ‘FCA’) Zurich Insurance plc is authorised by the Irish Financial Regulator and subject to limited regulation by the Financial Services Authority Perkins Slade Limited is authorised and regulated by the Financial Conduct Authority Page