The Duke of Edinburgh's Award provides limited personal accident insurance cover (details available from the DofE Head Office: 01753 727400) and Licensed Organisations will also have their own insurance in place to cover any claims against them for injury or damage caused to, or by, young people and adults doing a DofE programme. You may want to check that your personal and household insurance policies cover the participant's chosen activities and equipment.
The details below provide information on the insurance provided for participants and others involved in DofE activities. It is divided into sections:
If you have any questions which remain unanswered or need further clarification please contact the Office Manager at the DofE Head Office (
info@DofE.org)
The DofE has a Group Personal Accident insurance policy, which provides for the payment of a certain benefit(s) in the event of a participant or adult helper (see 2 - who is insured) sustaining accidental bodily injury whilst taking part in an approved DofE activity. The insurance does not provide cover for any personal belongings or equipment damaged or lost whilst doing a DofE activity.
- All bona fide holders of a current Participation Place issued by a Licensed Organisation whilst they are doing a DofE activity.
- All Leaders, Supervisors and Assessors and volunteers approved by an Licensed Organisation whilst undertaking an DofE activity.
- All adults assisting in any capacity with the DofE.
The insurance applies to persons resident within the United Kingdom but includes:
i. pupils attending schools under the auspices of or organised by Her Majesty's Forces of the United Kingdom
ii. members of Her Majesty's Forces of the United Kingdom overseas
iii. children of:
a) members of, or civilians attached to, Her Majesty's Forces of the United Kingdom overseas
b) members of Government Departments overseas
iv. DofE participants normally resident outside the United Kingdom but attending schools or other educational institutions within the United Kingdom
v. overseas persons and Gold DofE groups whilst participating in a DofE activity in the United Kingdom.
vi. disabled children while on outings organised by participants as part of a DofE activity.
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What is insured?
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What is not insured?
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Personal Accident Benefit
If an insured person suffers accidental bodily injury arising in connection with an Award Activity which, within 12 months of the accident, is the sole cause of
1. Death
2. Permanent Injury
ie complete and permanent loss of the sight of an eye or complete and permanent loss of the use of a hand or foot or permanent total disablement from attending to business or occupation of any kind.
3. Temporary Disablement
ie total disablement from attending to the insured person's usual business or occupation.
The insurance extends to include benefit for such injury suffered while an insured person is outside the UK.
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Death or injury arising
1. from suicide, attempted suicide or intentional self injury
2. directly or indirectly from an attributable to HIV (Human Immunodeficiency virus) or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) or any mutant derivative or variations of it however caused and whenever contracted
3. from the insured person taking part in flying or other aerial activities except as a fare-paying passenger in a licensed passenger-carrying aircraft or whilst gliding, parachuting or parascending.
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Medical Expenses and Hospital Benefit
When a payment is made or liability is admitted in the above section there is cover for medical expenses and time spent in hospital.
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Travelling expenses
Travelling expenses which are reasonably and necessarily incurred by the parents, wife or husband of an insured person as a result of the insured person's injury.
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NB There are limits to all the above categories of payment please see section 4.
The benefit is shown as follows:
Personal Accident Benefit
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BENEFIT
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Death or Permanent Injury
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Temporary Disablement
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Category A (bona fide holders of a current eDofE account age 13-15)
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£5,000
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£35
per week
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Category B (bona fide holders of a current eDofE account aged 16-25)
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£10,000
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£50
per week
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Category C (Leaders, Supervisors, Assessors, volunteers and assisting adults)
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£10,000
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£100
per week
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Temporary Disablement Benefit is payable for up to 104 weeks. The insurance company will only pay under one category above. The weekly benefit is only paid when the total amount payable is agreed.
Medical Expenses and Hospital Benefit
1. Medical Expenses - up to £250 for related medical expenses which are reasonably and necessarily incurred by the injured person.
2. Hospital Benefit - If as a result of bodily injury occurring during the effective time the Insured person is confined as an in-patient to a hospital for more than 48 hours the Insurers will pay a sum of £50 per day for each complete 24 hour period of confinement for the first 20 days and £15 per day thereafter for each complete 24 hour period of confinement for up to a total of 52 weeks in all.
Travelling Expenses are not provided for under the Personal Accident policy.
Contact the Office Manager at the DofE Head Office in Windsor. A claim form and additional questionnaire will then be issued to the insured person.
The form should then be completed and returned to the Office Manager at the DofE Head Office in Windsor.
The form is then checked and forwarded to the insurance company.
Having provided any additional information the insurance company requires a settlement will then be calculated and a cheque issued. The cheque will usually be issued by the insurance company direct to the insured person.
The Office Manager
The Duke of Edinburgh's Award
Gulliver House
Madeira Walk
WINDSOR
Berkshire SL4 1EU
Tel: 01753 727411
Fax: 01753 810666
Email:
info@DofE.org
1. What insurance must Licensed Organisations ensure is in place?
As a condition of their Licence, each Licensed Organisation must arrange Public Liability Insurance, which will provide an indemnity in respect of their legal liability (and that of participants and adult helpers) for bodily injury or damage to property arising in connection with a DofE activity.
2. Why does the DofE not have primary Public Liability insurance cover?
It would be impractical for our insurers to provide primary Public Liability cover on economical terms because it is impossible for the DofE to advise the insurers of the extent of cover required throughout all Licensed Organisation areas of the UK.
3. If a DofE group is going on an expedition, when does the cover come into effect?
The Personal Accident insurance of the DofE comes into effect as soon as the group meets up i.e. it covers travel to reach the expedition area from a common starting point.
4. What cover is provided in respect of DofE groups who travel abroad? Is it enough?
The Personal Accident benefit is payable in respect of accidental bodily injury occurring anywhere in the world but you should also arrange travel insurance cover to ensure repatriation to the UK if necessary and to provide for the cost of medical and other expenses.
5. What cover should youth clubs etc take out?
Both the Public Liability insurance provided by the Licensed Organisation and the Personal Accident insurance provided under the participant's policy relate only to participates and helpers engaged in DofE activities. Each youth group/club should, in addition, arrange appropriate Public Liability insurance in its own name to protect itself against third party claims for injury or damage arising in connection with both DofE and non-DofE activities.
Updated September 2008.