Members’ Insurance

The Association holds two insurance policies for its members. The following notes are a guide only.

The Association holds a combined policy with Ansvar with cover for:

  • Property loss or damage which includes such items as the Bell Restoration trailer and associated tools/equipment
  • Public Liability for the sum of £2m and Products Liability for the sum of £2m

The Association also holds a Personal Accident policy with cover for all members.

The policy is underwritten by AmTrust Underwriting and covers all resident paid up members of the Association including any ringers under instruction by a member prior to being elected.

Members are covered worldwide:

  • Whilst ringing or teaching in any church or bell tower
  • Whilst inspecting or attending to routine maintenance work to the bells in any church or bell tower (routine maintenance shall mean any work for which approval in accordance with the Care of Churches measure is not required)
  • Whilst travelling to or from a church or bell tower to practice or participate in bell ringing
Age Range (Years) Death Permanent Total Disablement Permanent Disabling Injuries Temporary Total Disablement
Under 16 £1,000 £10,000 (subject to  certain conditions) Loss of sight in one or both eyes: £10,000
Loss of one or more limbs: £10,000
Loss of speech: £10,000
Loss of hearing in one ear: £2,500
Loss of hearing in both ears: £10,000
Not covered
16-70
(16-75 from 1st April 2018)
£10,000 £10,000 Loss of sight in one or both eyes: £10,000
Loss of one or more limbs: £10,000
Loss of speech: £10,000
Loss of hearing in one ear: £2,500
Loss of hearing in both ears: £10,000
£100 per week for a maximum of 104 weeks
71-74
(75-79 from 1st April 2018)
£10,000 Not covered Loss of sight in one or both eyes: £10,000
Loss of one or more limbs: £10,000
Loss of speech: £10,000
Loss of hearing in one ear: £2,500
Loss of hearing in both ears: £10,000
Not covered
Over 75
(Over 80 from 1st April 2018)
£1,000 Not covered Not covered Not covered

The above is a summary of the policies held and in any conflict with this summary and the actual policies, the policies will take precedence. Claims and queries concerning the extent of the cover, exclusions or policies should be directed in the first instance to the Hon. General Secretary to enable the position to be clarified with the insurers.

Ringers are encouraged to check with their own church policy which should cover them. Most C of E churches in the UK insure with Ecclesiastical, using their standard ‘Parishguard’ policy. You can read more on the Central Council web site.

For any other enquiries please contact the Hon. General Secretary.

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