New Personal Accident benefits for BMC members include Physio and Osteo cover
The BMC is making your membership even better with brand-new benefits to optimise support for climbers and walkers.
New benefits launched
From 1 April 2025, BMC membership (Individual & Family members) will include even more support, helping you recover, stay on track, and get back to doing what you love. Your current personal accident cover already provides up to £10,000 of financial support that also includes dental treatment and hospitalisation fees for injuries sustained after an accident whilst hill walking, climbing, mountaineering or ski-mountaineering.
Now, we are adding the following benefits:
Physiotherapy/Osteopathy Treatment – Up to £500 for treatment recommended by a GP and provided by a chartered physiotherapist or registered osteopath (£50 excess)
Event Fees Cover – £150 for BMC, Mountain Training, BAIML, AMI, and BMG courses, assessments or events you are unable to attend
Climbing Wall Membership Fees – Up to £250 for non-refundable fees if an accident stops you from participating.
Optical Expenses – Up to £500 to help with costs if needed for medical eye injury costs or replacement glasses after an accident
Counselling Cover – Up to £250 per week (£5,000 max) to support your mental well-being following an accident or traumatic event
Equipment Cover – £250 towards damaged or abandoned gear
Prosthesis Support – Up to £5,000 towards providing or replacing a prosthesis
Return Home Costs – £50 towards transport if you need assistance getting home
For enquiries about the cover insure@thebmc.co.uk or 0161 445 6111
For claims please notify Howden via mountaineering@howdengroup.com or phone 0121 698 8046
For Club members wishing to enhance their membership to a BMC Individual Membership, to receive these additional cover benefits, please click here to upgrade
Pre-existing and current personal accident cover for BMC members
The above are in addition to the pre-existing Personal Accident cover that you have as a BMC member. Following an accident that occurs whilst hillwalking, climbing, mountaineering or ski-mountaineering and results in your bodily injury, BMC Individual members have access to the following benefits:
Permanent Total Disability - £10,000 from regular gainful employment (Maximum age 70 years)
Loss of limb(s) - Up to £10,000
Loss of sight - Eye(s) - Up to £10,000
Loss of speech or hearing in both ears – Up to £10,000 (Maximum age 70 years)
Emergency Dental Expenses – Up to £500* (£50 Excess) for up to 2 accidents in any one year
Retraining – Up to £10,000*
Accident Medical Expenses – Up to £2,500*
Coma cover - £350* per day (max 104 weeks)
Hospitalisation - £50* per day (max 104 weeks)
Convalescence - £100* per week
*Reduced by 50% for those aged 70 and over
Mountains of benefits
Your BMC membership goes beyond personal accident cover. You also gain access to exclusive discounts with our Official Outdoor Retail partners Cotswold Outdoor and Snow+Rock and many other outdoor retail discounts, access to BMC Specialist Travel Insurance, £15 million combined liability insurance and eligibility for Mountain Training qualifications.
Your membership makes a difference
Did you know that by being a BMC member, you are supporting access to the outdoors, conservation efforts, and the growth of climbing, hill walking, and mountaineering? With 81,000 members strong, we are working together to protect wild spaces, advocate for our community, and inspire the next generation of adventurers, whether at local walls or on the world stage.
Adventure is calling, and with these new benefits, you can explore with even more confidence. Not a member yet? Now is the perfect time to join and enjoy all the perks that come with being part of the BMC community.
FAQs
These benefits are included in Under 27, Individual and Family membership.
Club members do not receive these benefits with their membership, however BMC club members can upgrade to full membership by heading here.
For claims, please notify Howden via mountaineering@howdengroup.com or phone 0121 698 8046