Welcome to the RDA Groups area


To read your copy of The insurance guide for RDA member groups click here


As an RDA Group you have a duty of care to all those participating in your activities and to all those who are working at or visiting your facilities.

A Group must do all it reasonably can to reduce or eliminate loss, damage or injury to others and it may be held legally liable if it fails to do so.

Cover has been arranged for RDA Groups for their RDA approved activities, as follows:

Public & Products Liability 

To protect the RDA Group and its committee, against the cost of a claim made against it for injury or damage to someone else or their property. Cover is provided by Hiscox Underwriting and WR Berkley Insurance, up to a maximum limit of £20million.

Employers Liability

Covers an RDA Group, if it is held liable for an injury that an employee/volunteer suffers during the course of their employment with that Group. The Limit of indemnity for this cover is £10million. This is a legal requirement for any organisation that employs anyone. Cover is provided by Hiscox Underwriting.

Trustees Indemnity

All trustees have a personal liability for any claim that is made against the RDA Group for breach of duty. Examples include:

  • Mismanagement of Group funds
  • Breach of fire safety regulations
  • Corporate manslaugher
Trustees Indemnity cover is provided by Hiscox Underwriting and WR Berkley Insurance, specifically to protect the trustees, to a maximum of £7.5million.  
The above insurances are incorporated in a Combined Liability policy (underwritten by Hiscox).  Should you wish to see a full copy of the policy wording please click here.

Legal Advice and Expenses

Groups receive the benefit of a Legal Expenses policy and free legal helpline through ARAG plc, the policy covers the following topics : Employment Disputes, Employment compensation awards, Employment restrictive covenants, Tax Protection, Property, Legal Defence, Compliance & Regulation, Statutory Licence appeals, Loss of earnings, Employees Extra Protection, Contract and Debt Recovery and Crisis Communication.

Legal and tax advice:  0344 571 7978

Redundancy Approval: 0117 917 1698

Crisis Communication:  0344 571 7964

Counselling Assistance: 0333 000 2082

Claims Line: 0117 917 1698

If you need help, do not be afraid to ask.

Please click here to view the ARAG policy wording.

Please note: If your Group takes and follows its own separate legal advice it may prejudice your position in the event of a claim under the ARAG policy.

If you feel that your Group should arrange higher limits of indemnity to those stated above, please contact Howden to discuss your requirements in more detail.


We are delighted to advise that Howden are able to arrange Public Liability & Employers Liability cover for able bodied fundraising activity that falls outside the RDA remit.

If you wish to obtain a new quotation for your one off event please complete the proposal form and return it by email to Morgan Smelt.


If you have a query relating to your existing cover via the RDA Insurance please call David Williams on 0121 698 8061.


Please also note that Groups wishing to attend RDA approved external events (involving non-able bodied) can now obtain cover by contacting Peter Dean at the RDA and completing the External Event Form.