Personal accident insurance

This provides a 'no-fault' compensation for individual and affiliated club members of Mountaineering Scotland up to the age of 80 and resident in the UK or Republic of Ireland who are injured whilst participating in a mountaineering activity (as defined in the Liability section) anywhere in the world (includes direct travel to and from the activity within the UK only). 

From 1 January 2026, this cover is available for both Club and Individual (ie those with Individual (Adult/Youth), Concession, Mountain Training Candidate, ClimbScotland Gold or 18-25 membership) members of Mountaineering Scotland and now also includes:

  • Event fees cover up to £150 
  • Climbing wall membership fee cover up to £250

Summary of insurance benefits

A summary of the cover included is shown below. You can download further information here:

Benefit Sum insured
1. Death£10,000
2. Loss of two or more limbs or eyes or one of each£10,000
3. Loss of one limb or one eye
£10,000
    Loss of two or more limbs or eyes or one of each£10,000
   Permanent or total loss of speech£10,000
   Permanent or total loss of hearing in both ears£10,000
   Permanent or total loss of hearing in one ear
25% of the above
4. Permanent Total Disablement from gainful employment for which the Insured is fitted by way of training, education or experience
£10,000
5. Temporary Total Disablement from the Insured Person's Regular Gainful Employment
Not insured
6. Temporary Partial Disablement from at least 50% of the Insured Person's Regular Gainful EmploymentNot insured

Special benefits as noted below:
 Sum insured
Accident medical expensesUp to £10,000 any one Insured Person
Broken bonesUp to £500 any one Insured Person
Coma benefit £50 per day for each day up to a max of 104 weeks
Convalescence  £200 per Insured Person reduced to £100 if Insured Person is aged over 70 years of age 
Counselling Up to £250 per week up to a maximum £5,000 any one Insured Person
Dental Expenses Up to £1,000 any one Insured Person any one accident
Dependents BenefitAdditional 5% per Child up to a maximum 25% of  Benefit 1subject to a minimum £5,000 
Funeral Expenses Up to a maximum £5,000 any one Insured Person 
Hospitalisation£50 per full 24 hours up to a maximum of 104 weeks any one Insured Person 
Paralysis Up to £50,000
Physiotherapy or Osteopathy treatmentUp to £500 per Insured Person 

Also included

  • Equipment cover - up to £250
  • Event fees cover up to £150
  • Climbing wall membership feed up to £250
  • Travel home costs up to £50

Significant exclusions

Injury arising out of: 

  • In the event of a claim for any Insured Person aged 70 years of age or over Personal Accident Special Extensions are all reduced by 50%.
  • Residents outside of Great Britain and Northern Ireland, Isle of Man, Channel Isles, and Republic of Ireland.
  • Professional sports person or professional entertainer.
  • Suicide or deliberate self-harm.
  • Engaging in aviation as a pilot or crew member.
  • Member of the armed forces whilst on active duty.
  • Post traumatic stress disorder, psychological or psychiatric condition.
  • Repetitive stress (strain) injury or syndrome.
  • Driving whilst under the influence of alcohol over the legal limit.
  • Any act of terrorism. 


Specific terms and conditions are available on the Mountaineering Scotland insurance microsite or from: 

Howden Insurance Brokers  

8th Floor 45 Church Street 

Birmingham B3 2RT 

Tel: 0121 698 8000  

Howden Insurance Brokers  Limited is authorised and regulated by the Financial Conduct Authority in respect of general insurance business. Registered in England and Wales under company registration number 725875 Registered Office: 1 Creechurch Place, London EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.