Ringers who are members of the Oxford Diocesan Guild of Church Bell Ringers pay a subscription – usually via their home tower – and this provides personal accident cover which pays out if they are temporarily or permanently injured through ringing. It also covers death. More details can be viewed on the Guild website .
There is, however, no Public Liability component in this policy.
The Guild has Public Liability insurance for Guild training events but Branch practices, teaching and service ringing are not deemed Guild events. Each Church should have its own Public Liability insurance covering activities within that church and as the Tower Captain is appointed by the Church (not the Guild) the Church has the responsibility to ensure that the activities within the Church are covered by their own Public Liability cover.
Further guidance can be obtained from the Central Council of Church Bellringers.