CCFA Insurance

CCFA Personal Accident Insurance scheme

CCFA manages a Collective Personal Accident Scheme, through DTW 1991, a delegated underwriting syndicate at Lloyd's which underwrites property, liability and specialist sports and leisure insurance,  predominantly for small/medium sized enterprises in the US, UK, EU, Australia, Canada, New Zealand and the Middle East.    

All CCF contingents are strongly urged to participate in this comprehensive, cost effective and valuable scheme. Where contingent commanders are content to rely on the school or college personal accident policy for cadet insurance cover, it is important to ascertain that such policies do cover CCF activities held away from school/college premises or when using equipment not belonging to the school/college, especially if events are to be held on Defence Training Estate, or other premises which do not belong to the school or college.

Evidence also suggests that in some instances, school or college Personal Accident Policies do not cover a range of the challenging outdoor pursuits that are included automatically in this scheme, such as outdoor climbing and full bore rifle shooting. It is very important to check with the Bursar to establish the level of school insurance cover available, if a decision is made not to join the CCFA Scheme. 

The scheme must not be confused with the very limited indemnity provided by the Ministry of Defence (MOD). The MOD Indemnity operates on the basis of legal liability only.  This means that the MOD will deal with claims that arise due to the negligence of the MOD, its service personnel, servants or agents.  In other words, claimants will have to prove their case of negligence against the MOD, and its responsibility for any injury, before it agrees to pay compensation.  The MOD does not automatically pay compensation for death or injury.  The CCFA Scheme, therefore, stands completely alone from the MOD indemnity arrangement, acting as a benefit policy. It will respond to an insured event regardless of who is at fault. So if an individual has claimed against the policy for an accident, but considers that the MOD is ultimately liable, he or she will remain entitled to make a claim against the MOD if appropriate.  Any subsequent compensation paid by the MOD will not affect any benefit paid by the Scheme and vice versa. You can read the full details of the benefits under the scheme here.

The Scheme Insurer is DTW 1991.  The Scheme covers Personal Accident and Contingent Public Liability Insurance for cadets, officers, adult instructors, civilian instructors and civilian assistants up to age 75, provided that the appropriate insurance premiums have been paid.  The premiums for 2016-2017 are £4.65 per adult, £1.55 per cadet.  Cover is also provided when on duty or commuting to or from duty, training, games, and related social activities whilst on duty, or business connected with the CCF. Adults over 75 may be covered on an individually named basis, but with restricted benefits.

The cover includes all activities listed by the MOD as approved activities for cadets.  The most up to date list can be found in Annex A to 2013DIN07-148 dated Oct 2013, however for illustrative purposes, the following “Hazardous/Challenging and Sporting pursuits” are covered:


Challenging Pursuits





Caving & Climbing

Duke of Edinburgh’s Award



Karting & Quad biking




Parachuting & paragliding

Power Boating

Skiing & Snowboarding

Shooting (Incl Full Bore)





Circuit Training



Cross Country Running



Self Defence   




Tug of War

Water Polo



    -            Dinghy                                                

    -            Offshore

    -            Seamanship

    -            Yachting                                 

    -            Windsurfing                                        


If a hazardous/challenging event is planned but it is not included above, or in the “MOD list”, details can be discussed with CCFA, and submitted to the underwriters for consideration. 

All questions about insurance for activities should be directed to the CCFA/ACFA insurance administration officer - Lt Col Richard Quicke at or on 01189 326729.