Welcome to the Mountaineering Scotland Insurance Centre

Covid-19 - Amendments to Cover

For those huts with hut property insurance via Howden (the insurance brokers) there is a requirement that a hut is not left unoccupied for more than 45 days and a requirement that the property is inspected internally and externally every 45 days.  The insurers, Hiscox, have now extended this period to 90 days during the current lockdown period.  This is for all BMC and Mountaineering Scotland club huts wherever they are located in the UK. 

Howden has confirmed that, for those clubs who insure their hut via them, that a delay in testing appliances and systems within a hut will not be seen in a detrimental way by the insurers if the test was due to be undertaken during the lockdown period.

If your hut is not insured via Howden then you will need to check with your own insurance provider. 

Further guidance can be found on the Mountaineering Scotland website here.


Everyone taking part in mountaineering and climbing has a duty to ensure that the sport is carried out in the safest way possible, but incidents do happen.

Mountaineering Scotland, with Howden, has arranged liability insurance for the protection of its individual and club members and volunteers in the event that you are held responsible for an injury to someone else or damage to their property.

On this site you will find information regarding the cover that has been arranged for your protection.

Please note: all information relating to insurance is valid only until the renewal date of any particular policy, for details of cover after that date please contact Howden.

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