Insurance cover is only available to fully paid up members who have a permanent UK address. Such members are covered for mountaineering activities in both the UK and overseas (but excluding USA and Canada). Members with a permanent UK address who are working on a temporary contract or serving with the armed forces abroad are included within the cover, for mountaineering activities in both the UK and overseas (but excluding USA and Canada).
Any member permanently living abroad is not covered because the policy is subject to UK jurisdiction and the underwriters will not extend cover to permanent overseas residents.