Insurance

mrodoc

mrodoc

Well-known member
I am intrigued. The cold head hand of insurance seems to be killing the act of taking youngsters underground - certainly on parts of Mendip. Any professional instructors out there brave enough to tell us what their annual premiums are? My medical professional insurance went from ?50 a year in 1979 (prior to that they used to offer life membership) to ?5000 when I retired in 2010.  In the USA that's cheap. Some physicians paid almost as much in insurance premiums as I earned in a year!
 
2xw

2xw

Active member
I'm not sure there's any problem with insurance preventing young people going underground. Or do you mean preventing instructors taking YP underground?
 
NewStuff

NewStuff

New member
2xw said:
I'm not sure there's any problem with insurance preventing young people going underground. Or do you mean preventing instructors taking YP underground?
Click to expand...

Charterhouse are, IIRC, blaming insurance for banning under 18's from any cave they gate/control.
CCC in this case is Charterhouse Caving Company, not Cambrian Caving Council.

See here.
https://ukcaving.com/board/index.php?topic=23390.msg294738
 
mrodoc

mrodoc

Well-known member
I was more interested in the mechanics of the business as it occurred to me that the people who would incur the highest premiums would be individuals who take people underground commercially particularly as the people they take are  completely unknown quantity. Having been asked to take the odd group or person caving over the years I know what a liability it is. 
 
Ship-badger

Ship-badger

Member
Our professional insurance is just shy of ?800 per annum, but this covers us for a number of outdoor activities including caving. We are  a limited company, and we employ other instructors.
When I last had instructor insurance for myself the premium was about ?300 per annum, but this was a few years back now.
 
B

BradW

Member
NewStuff said:
2xw said:
I'm not sure there's any problem with insurance preventing young people going underground. Or do you mean preventing instructors taking YP underground?
Click to expand...

Charterhouse are, IIRC, blaming insurance for banning under 18's from any cave they gate/control.
CCC in this case is Charterhouse Caving Company, not Cambrian Caving Council.

See here.
https://ukcaving.com/board/index.php?topic=23390.msg294738
Click to expand...
When someone in my club tried to organise an instructor-led visit to a Charterhouse cave a while back, we were told it was not possible, because commercially arranged groups are not permitted to enter the caves, and nothing to do with age. Nobody in the group would have been under 18.
 
PeteHall

PeteHall

Moderator
BradW said:
When someone in my club tried to organise an instructor-led visit to a Charterhouse cave a while back, we were told it was not possible, because commercially arranged groups are not permitted to enter the caves, and nothing to do with age. Nobody in the group would have been under 18.
Click to expand...

Slightly off topic, but CCC consider anyone requiring a commercial leader to be a novice. They have a no novice rule, regardless of age/ insurance.

 
A

AWW

New member
BradW said:
NewStuff said:
2xw said:
I'm not sure there's any problem with insurance preventing young people going underground. Or do you mean preventing instructors taking YP underground?
Click to expand...

Charterhouse are, IIRC, blaming insurance for banning under 18's from any cave they gate/control.
CCC in this case is Charterhouse Caving Company, not Cambrian Caving Council.

See here.
https://ukcaving.com/board/index.php?topic=23390.msg294738
Click to expand...
When someone in my club tried to organise an instructor-led visit to a Charterhouse cave a while back, we were told it was not possible, because commercially arranged groups are not permitted to enter the caves, and nothing to do with age. Nobody in the group would have been under 18.
Click to expand...

Just say that you're a festival, shouldn't be a problem then.  8) ;)
 
Ian P

Ian P

Administrator
Staff member
Just about to renew mine for this year.

?230.00. Includes taking people;caving, climbing, mountain walking, ghyll scrambling etc. Also allows me to give caving ?technical advice?.

Good value I think.

Taking under 18?s on adventurous activities does involve AALA though. 
 
B

BradW

Member
PeteHall said:
BradW said:
When someone in my club tried to organise an instructor-led visit to a Charterhouse cave a while back, we were told it was not possible, because commercially arranged groups are not permitted to enter the caves, and nothing to do with age. Nobody in the group would have been under 18.
Click to expand...

Slightly off topic, but CCC consider anyone requiring a commercial leader to be a novice. They have a no novice rule, regardless of age/ insurance.
Click to expand...
Indeed they do, but not all instruction is for novices. Surveying as a random example. And plenty of other specialist areas benefit from instruction other than core caving skills.
 
2xw

2xw

Active member
NewStuff said:
2xw said:
I'm not sure there's any problem with insurance preventing young people going underground. Or do you mean preventing instructors taking YP underground?
Click to expand...

Charterhouse are, IIRC, blaming insurance for banning under 18's from any cave they gate/control.
CCC in this case is Charterhouse Caving Company, not Cambrian Caving Council.

See here.
https://ukcaving.com/board/index.php?topic=23390.msg294738
Click to expand...

Don't worry I'm reasonably well versed in the topic.

CCC are concerned about liability and the ability of U18s to sign waivers.

BCA does, of course, cover minors.
 
badger

badger

Active member
BCA Insurance covers under 18's.
Scout Insurance covers under 18's
Assume other youth organisations also have insurance which covers under 18's
 
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