• Clubs' activities;
• Training, coaching, instruction;
• Participation in meets, gatherings, competitions;
• Attendance by club officials, instructors, leaders, teams and members in external meets and competitions sanctioned by the club and / or Mountaineering Ireland; or
• Whilst representing the club, in the participation of the sport or activity; or
• In the necessary administration and running of the club; including
• Club publications, website and social media channels
• Path repair and maintenance with hand held tools.
• Club arranged presentation ceremonies, social events; or
• Whilst representing the club at such events arranged or organised by third parties.

The activities noted as mountaineering, hillwalking, climbing, rock climbing, scrambling, bouldering, fell/hill running, alpinism, canyoning, ski mountaineering, ski touring. All individual and club members are covered while participating in any of the above activities on a worldwide basis either on a club activity or on an individual activity.

• Professional Indemnity, which protects (for example) the role of leaders and coaches in the event of a loss occurring to another.
• Libel and Slander Protection, which protects the club and its Officers in the event of being sued for unintentional libel/slander, e.g. emails, bulletins, website
• Directors’ and Officers’ Protection: This covers club officers / members of committees in their capacity as decision makers on club business.

• Legal Defence Costs
• Child Welfare, Protection and Vulnerable Adults Cover

• Public liability insurance provides cover on a worldwide basis.
• The public liability cover protects landowners against claims arising from the negligence of our members; it does not cover the landowner’s negligence or protect the landowner against claims from walkers and climbers who are not members of Mountaineering Ireland.
• Limited Personal Accident cover provides cover on a worldwide basis.
• There is no longer an upper age limit on the personal accident cover.
• New members in your club are insured from the time they pay their subscription. A receipt should be issued to the new member. The Clubs' administrator can then add new members via the online management system.
• Affiliation fees should be paid online or forwarded to Mountaineering Ireland within 1 month.
• Non-members are welcome to participate on a maximum of 3 “taster” sessions / walks / climbs. A register of guests must be maintained by the club. If they wish to carry on they must join the club. ***For cover to apply it is essential their name is properly recorded and the documents retained. They must be affiliated to Mountaineering Ireland on their 4th visit.
• Members should be reminded and recognise that our activities can be dangerous and may result in personal injury or death. Participants should be aware of and accept these risks and be responsible for their own actions and involvement.
• All incidents involving injury or damage to a member or a third party must be immediately reported to Mountaineering Ireland and the insurance brokers within 30 days. It is the individual’s/Club’s responsibility to inform Mountaineering Ireland within 30 days.
• Mountaineering Ireland's Insurance is not Travel Insurance. Please see other recommendations below.

Outdoor Rock Climbing:

• Death € 10,000
• Permanent Disablement € 25,000
• Permanent Disabling Injuries up to € 25,000

All other activities:

• Death € 10,000
• Permanent Disablement € 75,000
• Permanent Disabling Injuries up to € 75,000

Scale of benefits for Disabling injuries

• Loss of two or more limbs 100%
• Loss of one limb 50%
• Loss of sight in both eyes 100%
• Loss of sight in one eye 50%
• Loss of speech 100%
• Loss of hearing in both ears 100%
• Loss of hearing in one ear 50%

Notes:

Affiliated clubs are covered where guests*** who may be interested in joining a club attend initial taster sessions (maximum of 3 taster sessions allowed.) ***For cover to apply it is essential their name is properly recorded and the documents retained. They must be affiliated to Mountaineering Ireland on their 4th visit.

All incidents must be reported within 30 days of the incident occurring. It is the individual’s/Club’s responsibility to inform Mountaineering Ireland within 30 days.

• European Health Insurance Card (EHIC, formerly E111) - this is free and provides you with necessary healthcare while on a temporary stay in all the countries of the European Economic Area, and in one other country, Switzerland.
• The European Economic Area includes the 28 member states of the European Union and Iceland, Liechtenstein and Norway. To apply online for your EHIC click HERE.
• Travel and Activity Insurance
  - Mountaineering Ireland members with UK addresses can benefit from access to the British Mountaineering Council's Travel and Activity Insurance Scheme. To apply online click HERE.
  
  - All Mountaineering Ireland members can join the Austrian Alpine Club giving access to purchase their activity insurance. For more information click HERE NOTE: Travel insurance is not included and would need to be purchased separately.

Reporting Incidents / Accidents

• Commercial activity and professional guiding.
• Personal Accident claims arising from sickness/illness (as opposed to accidental injury which is insured), HIV, drugs, etc.
• Exclusions under the Civil Liability cover include any accident involving a motor vehicle, injury to employees and the usual war and nuclear clauses.