Membership: Insurance Service

Welsh Netball Association
Cymdeithas Pêl Rwyd Cymru

So who is insured and what is the cover?

ALL MEMBERS ARE INSURED TO TAKE PART IN ALL NETBALL ACTIVITIES RECOGNISED BY WELSH NETBALL
A MEMBER becomes such when the pay their affiliation fee.

Each Area Association MUST affiliate - they are then members who have voting rights as set out in our company documents, Article 5.

Each league should declare themselves as an affiliated league and pay the league fee, the league should only accept clubs into the league that are affiliated clubs.

Each Adult and Junior club is asked to become a member club and pays the appropriate club fee. Any club refusing to pay this fee can operate but doesn't have club insurance which should be a major concern.

Each club should affiliate its members. WNA makes it compulsory for all members playing competitive netball to be insured this gives member to member insurance cover which is really vital these days. Every volunteer, coach and umpire should affiliate so that they have insurance as often they are the most likely to be sued.

However, as with everything else in life there is a question of personal choice which Welsh Netball understands but does not promote or condone. A club may choose to allow it's club members not to affiliate to WNA as individuals because they are not playing in matches just training but they must then accept that they do not have any insurance. It is a question of choice....just as if it was your home contents insurance, if you pay the fee you are insured if you don’t you are not!

Here are some of the more frequently asked questions and answers related to insurance.

Civil Liability

It is of vital importance that members protect themselves against the disastrous consequences of liability for injury or damage arising out of their actions, including those of all Executive Officials and Voluntary Helpers. Individuals could find themselves held personally responsible for Court costs and Damages awarded where an action has been brought against them for negligence. Through your membership of the Welsh Netball Association, the following cover is provided to all those affiliated:

Public Liability

Liability to the public at large, other than that arising out of the use of motor vehicles, aircraft and powered boats, plus member to Member, Leased or Rented premises, Trespass, Nuisance, Pollution, and is extended to include liability arising out of advice, libel and slander plus errors or omissions which result in financial loss.

Products Liability

This is also insured – essential cover following Consumer Protection Legislation which holds suppliers responsible for injury or damage caused by a defect in a product sold or supplied by them, whether they have been negligent or not.

Limit of Indemnity

£5,000,000 any one occurrence for Public Liability and £5,000,000 in any one period of insurance in respect of Products Liability.

The policy is written on a Claims Made basis. A condition of such a policy is that all incidents must be reported to insurers at the time of occurrence. Please ensure that all notifiable incidents are reported.

Personal Accident

A cash benefit payable to a member who has suffered an accidental injury whilst playing or training or participating in any activity recognised by Welsh Netball Association.

 

WELSH NETBALL MEMBERS LIABILITY INSURANCES

 

CIVIL LIABILITY

Insured

Welsh Netball Association

Policy Number

37L/GA00004416

 

 

 

 

Insurer

Royal & Sun Alliance

Renewal Date

1 September 2006

                                                                

                Entitled to Indemnity
                                                                 [i]    Association, its employees, committee members and volunteers

                                                [ii]    Affiliated Areas

                                                                [iii]   Affiliated Leagues

                                                [iv]   Affiliated clubs

                                                                [v]   Affiliated members

 

Indemnity is only provided to members who are UK residents                                                 

 

                Operative Time                  

Any authorised/recognised activity of the Association

 

Limits of Indemnity      

Civil Liability £5,000,000 any one occurrence

                                                Products Liability £5,000,000 in any one period of insurance                  

 

Cover    

 

[i]             Civil Liability to pay damages in respect of claims made against the Insured arising out of the conduct of the Business and notified to the company during the Period of Insurance.

                               

[ii]            Legal Liability for claimants associated costs and expenses.

 

[iii]           The Policy is written on a claims made basis which means that for the Policy to respond, a claim should be notified under the Policy in force at the time you first become aware a claim may be made against you.

 

               

The main features of the Policy [as defined by Perkins Slade] are:-

                               

Public Liability                     Accidental bodily injury to third parties and/or damage to third party property arising out of the Insured Activities.                       

                                                               

                                                Includes:-

 

                                                [a]    member to member liability

                                                [b]    indemnity to Principals

                                                [c]  liability for damage to leased, hired, or borrowed premises

                                                                               

 

Products Liability               Accidental bodily injury to third parties and/or damage to third party property arising out of any goods sold or supplied by the Insured.

 

Professional                        Loss [financial or otherwise] arising out of Errors and Omissions

 

Indemnity                              [e.g. bad advice or failure to act.]

 

Libel and Slander               Includes defamation, which is vital in relation to the consequences

of allegations of abuse.

 

 

Directors’ & Officers’        Legal Liability protection in respect of mismanagement.

Protection                            

 

 

Principal Exclusions

 

                Liability arising out of:-

 

[i]             The ownership, possession or use of any mechanically propelled vehicle, aircraft, hovercraft or water-borne craft [other than craft less than 3 metres in length with a maximum speed of 7 knots, or hand propelled or sailing craft in inland or territorial waters.]

                This applies to safety boats

 

                                [ii]            Product guarantee or recall, repair or replacement.

 

[iii]           The inability of any computer or computer equipment to recognise a change of date.

 

                                [iv]           Medical malpractice.

                               

 

                                Liability for:-

 

                                [v]            Injury to employees.

 

                                [vi]           Damage to own property.

 

 

Important Notes

 

 

 

 

 

[1]

The Policy states that no admission, offer, promise or indemnity must be made by the Insured in the event of a claim.

 

 

 

 

[2]

It is important to report every incident to Perkins Slade Ltd and to maintain an accident record book.  [Ensure that it is compliant with Data Protection Legislation.]

See pages 8 and 9 for Notification guidelines.

 

 

 

PERSONAL ACCIDENT

 

Insured

Welsh Netball Association

Policy Number

51UK492540

 

 

 

 

Insurer

ACE Europe

Renewal Date

1 September 2006

 

Insured Person                  
 
Any full or associate member of the Insured organisation between the ages of 3 and 75 years.                                                    

 

Effective Time                    

                                               

Whist an Insured person is participating in any activity of the Insured anywhere in the world including direct travel to and from such activity within the UK.

 
 
Cover                                                    
In the event of death and permanent total disablement.
               
The benefits are payable if during the period of insurance the Insured person suffers accidental bodily injury resulting directly and independently of any other cause within 2 years in death, loss or disablement.  Cover includes accidental damage or loss of teeth.

 

Benefits

 

[A]            Death                                                                                     £  5,000

                [B]           Permanent Total Disablement from

gainful employment of any and every kind                     £50,000

                [C]           Loss of limb[s]                                                                     £50,000

[D]           Loss of sight of eye[s]                                                        £50,000

[E]           Loss of Speech or Hearing in both Ears                        £50,000

[F]            Emergency dental treatment                                             £50,000

[G]           Broken Bones [Arm/Leg]                                                    £100 / £200

[H]           Hospitalisation                                                                    £30 Per Day/ £750 Max

                                [I]             Convalescence                                                                    £100

 

                                Benefits A] to F] and H] to I] are reduced by 50% for persons aged over 70 years

                                Benefit G] is reduced by 50% for persons aged over 65 years

 

                                Please note maximum age limit is 75 years old

 

Aggregate Limit[s] of Liability

 

[a]    per Event for Insured Persons whilst travelling in any one aircraft   £500,000

[b]     per Event overall                                                                                         £500,000

 

Principal Exclusions

 

Injury arising out of:-

 

                [i]             illness, disease, HIV

                [ii]            the taking of a drug which is not lawfully available

                [iii]           flying other than as a passenger in an aircraft operating under its own power

                [iv]           war and allied perils

                [v]            the first £50 of any claim arising out of damage to or loss of teeth

                [vi]          participating in sport as a professional [not applicable to full time paid coaches].    

 

 

                Claims Notification Requirements

 

Your Contract of Insurance does have certain conditions imposed, which may be summarised as follows:-

 

[i]         You are required to give Insurers immediate written notice with full particulars of any claims or circumstances which may give rise to a claim, regardless of any excess that you have to bear under your policy cover

 

[ii]        Every letter, claim, writ, summons and process in connection with such circumstances must be forwarded to Perkins Slade immediately on receipt

 

[iii]       Written notice must be given to Insurers immediately you have knowledge of any prosecution, inquest or inquiry in connection with any circumstances, which may give rise to liability under the Policy.

 

 

 

Strict timescales are now in place to direct the handling of claims, and if these are not adhered to it may mean Insurers will be obliged to admit liability and pay the claim.

 

 

Therefore it is important that:-

 

[i]             an investigation of every incident should be carried out whilst those involved, including witnesses, still have a clear idea of the circumstances, and a written report should be produced;

 

[ii]            every incident, particularly those involving personal injury, should be reported to us immediately it happens and we will advise you what to do next.   Please ensure procedures are in place for all documentation to reach us as quickly as possible.

 

In order to achieve this, we would ask that you notify us immediately of any incident that involves:-

 

·          a fatal accident

·          an injury involving either referral to or actual hospital treatment

·          any allegations of libel/slander

·          any allegations of Professional Negligence i.e. arising out of tuition, coaching or advice given

·          any investigation under any child protection legislation

·          any circumstance involving damage to third party property.

 

An injury is defined as:-

 

·          any head injury that requires medical treatment [Doctor or Hospital]

·          any fracture other than to fingers, thumbs or toes

·          any amputation, dislocation of the shoulder, hip, knee or spine

·          loss of sight [whether temporary or permanent]

·          any injury resulting from electrical shock or burn, leading to unconsciousness or requiring resuscitation or admittance to hospital for more than 24 hours

·          any other injury leading to hypothermia, heat induced illness or to unconsciousness which requires resuscitation or admittance to hospital for more than 24 hours

·          loss of consciousness caused by asphyxia or by exposure to a harmful substance or biological agent.

 

Please note the above list is not exhaustive and if you are unsure as to whether an incident should be reported, then please do not hesitate to contact Perkins Slade Claims Department for further advice.

 

We would remind you that in NO circumstances should you admit liability or agree to pay for any damage caused as this may prejudice the position of Insurers and COULD result in the withdrawal of any indemnity. 

 

Finally, please note that this is a Liability Policy where Insurers decide if negligence attaches to you. Therefore any payments you make to third parties will not necessarily be re-imbursed. 

 

INCIDENT RECORDING GUIDELINES

 

We would recommend that a designated person within your organisation is made responsible to record any reportable accident. Records must be kept for at least 3 years. Names and addresses of any possible witnesses should also be recorded. 

 

From 31 December 2003 businesses must have a new style accident book which is compliant with data protection legislation. The new style book is available from HSE Books.

 

The register must contain the following information relating to all reportable accidents or dangerous occurrences:-

 

·          date and time of accident

 

·          as regards a person at work - full name; occupation; nature of injury; age

 

·          as regards a person not at work - full name; status [e.g. customer]; nature of injury; age

 

·          place where accident occurred

 

·          a brief description of the circumstances

 

·          method by which the event was reported.