FAQs for Volunteers and Staff


How old do I have to be, to be covered by the Insurances?

RDA Volunteers have to be 12 years or over. There is no upper age limit.

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What insurance is provided to volunteers?

Volunteers within RDA Groups are protected by the Public Liability Insurance should a claim be made against them. The Limit of Indemnity is £20 million.

Volunteers are also provided with Personal Accident benefits in the event of a fatal accident or accident leading to a permanent total disablement.

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What is Public Liability Insurance?

Public Liability Insurances provides protection for claims made against you for accidental bodily injury to third parties and or damage to third party property arising out of RDA approved activities. The RDA policy provides a Limit of Indemnity of £20 million.

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Are there any policy excesses?

Yes, a £250 excess applies to any third party property damage claim.

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What significant exclusions or limitations apply to the Liability policy?

  • Criminal acts
  • Abuse - the person accused of the abuse / alleged to be the abuser
  • Incidents known to you but not reported to Insurers
  • Incidents prior to the retroactive date, please refer to the RDA Summary of Insurance Cover
  • Fines, penalties or punitive damages
  • Loss of, or damage to property in your custody or control

For full details of the policy exclusions please refer to the Policy Wording.

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What is Personal Accident Insurance?

Personal Accident cover offers an immediate lump sum payment in the event of a fatal accident or accident leading to a permanent total disablement.

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What Personal Accident benefits are provided to volunteers?

  • Death £15,000
  • Loss of two or more limbs or loss both eyes £15,000
  • Loss of one limb, loss of one eye, loss of speech loss of hearing £15,000
  • Permanent Total Disablement £15,000
  • £150 towards necssary out of pocket expenses (receipts must be provided)

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