National Scheme
Public Liability Insurance
Read the following for
clarification of the 2010/11 Policy:
Policy Wording -
Schedule
-
Certificate of Currency
Since 01JUL2009, the policy nolonger covers members 24/7. Members are only covered during events run by their State Windsurfing Association or registered sub body (such as windsurfing clubs) - Registered Clubs List. For cover outside these events, your home insurance may cover you for TPL and/or equipment damage.
Any sensible sporting association covers itself with public liability
insurance. This is needed to protect the various committee members
and administrative personnel from third party claims resulting from
negligence. The scope of our current insurance package includes
all members of its affiliated bodies around Australia in the one
scheme. Sailors, social members, committee members and volunteers
are all given protection against third party claims. The real benefit
of the scheme is that with everyone at an event covered there is
no risk that gaps can suddenly appear in the cover if a claim is
made.
The policy is strictly third party/public liability and does not
cover competitors or officials for injuries they cause to
themselves or their own property. It does, however, cover them
when they injure someone else or damage someone else's property.
Groups around Australia have been quick to recognise this as an ideal
way to offer their members something in return for their membership
fees, as well as a way of attracting new members.
Procedural Notes
FOR USE BY CLUBS, ASSOCIATIONS AND EVENT ORGANISERS FOR THE ADMINISTRATION
OF THE INSURANCE SCHEME.
The Insurance Policy has been
designed to provide financial members of windsurfing Clubs or
Associations affiliated with the Australian Windsurfing
Association Inc. protection from legal liability claims for
injury to a third party or damage to a third party's property as a result
of a member's negligence. Members are covered for participation
in club or association activities (which can include training or
practice).
However, the effectiveness of this Policy, particularly with regards
to organised events, is seriously jeopardised when people who are
not members of a body affiliated with AWA are allowed
to participate. Should this happen, then by simply excluding these
people from participation does not provide an acceptable solution
especially when the people concerned are visiting international
sailors or represent potential new members.
However, there is a simple answer to the problem. Participants who are not members will
be afforded protection by the policy as long as they are granted
'honorary membership'. It is essential that
this fact is recorded on the membership register and the
appropriate premium levy paid in due course. It is also essential
that membership registers are maintained in such a fashion as to
leave no doubt whatsoever as to a member's membership status in
the event of a claim being made. Whether electing to collect the
levy from those involved or pay it directly is a matter for the
organisers to decide. It is also a matter organisers to decide
whether 'honorary membership' applies only for the duration of the
event involved. Obviously it is important not to create a situation
whereby members come to regard 'honorary membership' as being
a better financial proposition than ordinary membership. This would
be discouraged and indeed membership benefits could be enhanced,
if the non-members were charged the insurance levy for each and
every time they participated in an event. Should this be the case,
only one levy per non-member would be expected to be paid to the
Insurance Company each year.
It is of the utmost importance and must be clearly understood by
officials and those responsible for conducting regattas and
other activities that by following these simple procedures
the Insurance Scheme will provide the protection intended - by doing
otherwise, this may not be the case.
For event eligibility check that you are listed in the 11/12 AWA Member List. If your name is missing, check/complain to your State Association or AWA Rep. Like the sail number register, we will try to keep the list current. 10/11 List
Registered Clubs
To be registered, a sub-body of a State Association must have completed and supplied (annually) a copy of the following documents to their State Association and the Australian Windsurfing Association: (1) AWA Insurance Agreement, and (2) Club Events Calendar. Sample Risk Management Document.
2011/12
-
Bayside Sailboard Club (Qld)
- Brisbane Windsurfing Club (Qld)
- Dobroyd Aquatic Club (NSW)
- Geraldton Windsurfing Club (WA)
- Marmong Point Sailing Club (NSW)
- NSW Wavesailing Assoc (NSW)
- Safety Bay Windsurfing Club (WA)
- St George Sailing Club - Sailboard Division (NSW)
- Stormriders Windsurfing Club (NSW)
-
2010/11 (expired)
- Bayside Sailboard Club (QLD)
- Safety Bay Windsurfing Club (WA)
- Windwanderers (QLD)
