Ray, I believe the position is that if you are a member of EFDSS then you are covered by their current insurance policy until the end of the year. You can see what is covered by downloading the Guidance notes from the Insurance section of their website, but it is pretty broad and should cover any MCing you do at folk events. The restrictions I mentioned which they tried to impose in 2019 were abandoned after complaints from members.

Hopefully this will be renewed for 2022, but the website says "The members’ insurance certificate for 2022 is in preparation and will be available later in December." They still have a few more days to sort it out. I assume it will provide similar cover to the current policy but this will need to be checked when it is issued.

If you will be MCing or engaging in a folk activity over the New Year period, and if they haven't posted the new certificate by then, it is possible that you won't be covered. This is probably only a theoretical concern, and assuming it is simply a delay with the paperwork my guess is that they would probably honour a claim during this period. However the only way to be certain, if a certificate isn't issued in time, would be to speak to Bryan James.

If you have a household insurance policy you may find that this also provides you with public liability cover.