The MSR Insurance policy has been arranged by the Howden UK Group Ltd specifically for rambling clubs and is underwritten by Hiscox Underwriting Ltd. A key feature of the policy is that it provides legal liability protection to MSR members in the event of a claim being made against them by a third party, such as a landowner or a member of the public. For a claim to be successful, the affected party has to demonstrate they have suffered bodily injury or damage to their property as a result of negligence.

 

The policy also provides professional indemnity and management liability cover for the Management Committee. The policy does not provide medical or personal accident cover.

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As with all insurance, the policy includes an obligation to take reasonable steps to prevent accident and injury occurring. Failure to do so could invalidate a claim. In relation to this, members are asked to note the health and safety guidance for members. 

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Any incident occurring which could potentially lead to a claim being made, should be reported immediately using the MSR Incident Report Form which can be downloaded by clicking Incident Report Form

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The key features of the policy are as follows.

Public and products liability: 
•    Claims made against the Management Committee and members for bodily injury or damage to third-party property (including a claim made by one member against another member).
•    Claims made against the Management Committee for legal liability arising from a breach of the 1998 Data Protection Act.

Professional indemnity:
•    Claims made against the Management Committee or members acting on its behalf for negligence, breach of duty or care, breach of confidence or misuse of any information.
•    Claims made against the Management Committee for defamation or an infringement of intellectual property rights.

Management liability:
•    Claims made against Management Committee for wrongful acts, errors or omissions including breach of duty, breach of trust, negligence and defamation.