Property and Equipment Insurance

To protect your group's assets, you need a policy that is up to the job of meeting your specific and unique needs.

This policy is designed to provide insurance cover for property and equipment (contents and buildings), along with personal effects, money, cancellation and abandonment, and trailers.

This policy covers UK domiciled groups/entities only.

The policy is divided into four booklets, allowing you to pick and choose which elements are right for you.

Booklet 1 - covers property (section 1)

This means buildings, facilities, campsites etc. against a wide range of dangers, perils and risks. The policy provides cover for the full repair or replacement cost; subject to an excess for certain losses. The premium depends on several risk factors. This section also covers property related legal expenses (for renewals and new policies after 25th March 2008).

Booklet 2 - covers contents/equipment, including personal effects and money (sections 2, 3, 4 & 5)

This includes contents of your premises, equipment, furniture, fixtures and fittings not the property of the landlord for which you are responsible, and also anywhere in the UK or on the continent of Europe. This also covers the personal effects of the group, and money that is the property of the group.

Booklet 3 - covers cancellation and abandonment (section 6)

This provides compensation to a group for the net determined loss of expenses sustained or incurred as a result of the cancellation or abandonment of an insured event.

Booklet 4 - covers trailers (section 7)

This provides cover for trailers that the group own or for which they are responsible for whilst being used for declared or social, domestic and pleasure purposes.

Booklet 5 - covers Loss of Revenue (extension to sections 1 and/or 2)

This part of the policy extends cover for your Loss of Revenue from your premises and/or equipment, in the event of an insured peril. For example, if your premises become unusable and you earn income from a playgroup that uses the hall once a week, this cover indemnifies you against those losses.

For further information, or to request an application pack, please contact us.

An online version of the policy summary, and application forms that can be printed off, filled in, and sent to us at the address in the contact us section is available in our Resources section here.