Welcome to the BMC 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 BMC 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. The BMC, with Howden, has arranged a variety of insurances for the protection of its members, clubs and officials in the event that you are held responsible for an injury to someone else or damage to their property.

Here you will find information regarding the cover that has been arranged for you and details of other covers you may wish to arrange.

NB. With effect from 01 January 2018, for the protection of BMC members and clubs, the limit of cover provided for Public Liability has been increased to £15million.

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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