Insurance Frequently Asked Questions

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1 Insurance FrequentlyAskedQuestins MEMBERSINSURANCECOVERAGE Whataremembers(bthcmpetitinandrecreatin)cveredfr? Pleaseseetheattachedflyer Isthereadifferencebetweenarecreatinalmemberandcmpetitinmember? N Frmwhatagetwhatagearememberscveredbyinsurance? 2yearsldt80yearsld Whendesthecverapply? Cverappliesinthefllwingcircumstances: a)cmpetinginfficialclub,stateandnatinalregattas b)individualrrganisedtrainingrpracticesessinsfractivitiesasdescribedin(a)abve. c)organisedpaddleturingactivities. d)organisedcaneeducatinactivities. e)travellingdirectlybetweenactivitiesin(a)(b)(c)r(d)abve,andyurresidencerplacef emplyment. f) Staying away frm yur hme district during a tur fr the purpse f participating in sanctinedactivities. g)engaginginvluntary,administrativerrganisedscialactivitiesfaustraliancaneingr itsaffiliatedassciatinsrclubs. AustralianCaneingInc InsuranceFrequentlyAskedQuestins April2012 Page1f4

2 WillIbecveredbyinsurance WhenIcmpeteinthereventsthatarentrunbymyClub/State/AC? OnlyiftheeventisasanctinedbytheClub/State/ACi.e.apaddlingAustraliaevent TheDctr Ifmypaddleand/rkayak/canewasstlenatanevent?N Ifmypaddleand/rkayak/canewasstlenfrmmyrfracksattheshps?N Ifmypaddleand/rkayak/canewasstlenathme?N IfIwasinacaraccidentnmywayt/frmaClub/State/ACsanctinactivity/event?Yes If I vlunteer t help ut a Club/State/AC activities/events even thugh I am nt a member? All vlunteers that vlunteers at Club/State/AC activities/events are cvered fr PersnalAccidentandPublicLiabilityinsurance. IfIamatriallistmember? Yes, all triallist members at Club/State activities/events are cvered fr Persnal AccidentandPublicLiabilityinsurance. Triallist members that partake in day trips and r vernight trips cnducted by a Club/State? Yes, all triallist members at Club/State activities/events are cvered fr Persnal AccidentandPublicLiabilityinsurance. CLUBINSURANCECOVERAGE Whatistheinsurancestructure? Pleaseseeattached. Arememberswnprpertyinclubrms(kayaks;canes;paddlesetc.)cvered? Thereisnplicyinplacefrmember'sprpertyinClubrmsviaACinsurance. AreClubrmscveredbyinsurance? Thereisnplicyinplacefrmember'sprpertyinClubrmsviaACinsurance. AreClub/Statecmpundsfullfcrafts;aretheycveredbyinsurance? Thereisnplicyinplacefrmember'sprpertyinClubrmsviaACinsurance. AustralianCaneingInc InsuranceFrequentlyAskedQuestins April2012 Page2f4

3 Desurinsuranceprvidepublicliabilitytlcalcuncilsunderaleasedlandagreement? TheAustralianCaneingPublicandPrductsLiabilityplicydesntrespndifanyLiabilityis assumedbytheinsuredunderanycntractragreement,unlessthecntractragreementhas beenagreedtbyyurinsurer. ***Hwever,Williscanarrangecverfryurprpertyinclubrms,allkayaksandcanesetc. ACTIVITY/EVENTINSURANCECOVERAGE Whatisasanctinedactivity/event? Sanctined activities are thse activities that are apprved by Australian Caneing r its affiliated State Assciatins r Clubs. Sanctined activities include events/regattas that are rganisedbythesegrups,aswellascaneeducatinandrganisedturingactivities. CantheClub/Staterunmultisprteventsthatincludeswimming,runningandcaneing? Yes CantheClub/Staterunmultisprteventsthatalsincludecycling? N.Ifyu reclub/statewuldliketrunamultisprteventwhichwillincludecyclingtheywill havetseekinsurancetcverit.pleasespeaktaustraliancaneingbefreprceeding. AreclubfundraisingactivitiesffsitesuchasBunningsBBQ,cveredfrPublicLiabilityInsurance? Yes.AustralianCaneingcanprvideacertificatefcurrency. AreOutriggerbats,StandUpPaddlebardsandDragnbatscveredunderpublicliabilityt participateatclub/stateactivities/events? Yes,aslngastheyabidebytherulesandtheeventrganisers. Destheinsurancecverfrmemberscveranydamagetheymaydwhilstintheircraftta thirdpartyrttheirsprtingequipment?iewhereapaddlerisplayingcaneplandinthe sameprximityisagrupfmdelyachtenthusiasts. TheAustralianCaneingPublicandPrductsLiabilityplicywuldrespndandcvertheclub and/rthememberifthepaddlerplayingcaneplwasdeemedtbeliablebyyurinsurer, SLEWrldwide.Pleasentethatthereisa$1,000excesspayablebytheclubrmemberfrany thirdpartyprpertydamageclaims. COACHINSURANCECOVERAGE If a cach is riding their bike up and dwn a regatta curse and has a fall are they cvered by insurance? AcachwillbeindemnifiedundertheACPublicandPrductsLiabilityplicyifthey1/havethe necessary accreditatin t act as a cach 2/ are a registered A.C cach and 3/ are caching caneing/kayakingbasedtraining(ntanythersprts). AustralianCaneingInc InsuranceFrequentlyAskedQuestins April2012 Page3f4

4 Scenari1 ACaccreditedCachcachingaprgramnbehalffanAustralianCaneingaffiliated caneclubwheretheparticipantshaveallsignedtheactriallistfrmrareacmembers.feesfrthe cachingmayrmaynthavebeenchargedbytheclub/cach? Is the cach cvered fr Prfessinal Indemnity, Public Liability & Persnal Accident Insurance? Yes AretheparticipantscveredfrPersnalAccidentinsurance? Yes Scenari2 ACaccreditedCachcachingcmmerciallyntnbehalffaClub/State/AC Is the cach cvered fr Prfessinal Indemnity, Public Liability & Persnal Accident Insurance? N AretheparticipantscveredfrPersnalAccidentinsurance? N Situatin3 ACaccreditedCachcachingvluntarilyntnbehalffaClub/State/AC Is the cach cvered fr Prfessinal Indemnity, Public Liability & Persnal Accident Insurance? N AretheparticipantscveredfrPersnalAccidentinsurance? N Fr further infrmatin please g t r please cntact Australian Caneingn(02) [email protected]. AustralianCaneingInc InsuranceFrequentlyAskedQuestins April2012 Page4f4

5 Willis Australia has wrked clsely with Australian Caneing t design this insurance prgram fr its members. This insurance cver applies when members and ther insured persns/entities are invlved in activities that are sanctined by Australian Caneing. These activities include races, individual and fficial training, meetings, fundraising activities and travel t and frm these activities in Australia. This brchure is a summary f the cver nly. If additinal cver is required t this standard cver please cntact Willis Australia Ltd fr an individual qutatin. Willis is a licensed insurance brker and has rganised this insurance prgram in assciatin with Australian Caneing. The Willis Grup is ne f the largest insurance brkers in the wrld and has perated in Australia fr ver 50 years, with ffices in all states. Mre infrmatin n Willis can be btained by visiting This prgram cvers Australian Caneing and all affiliated assciatins and clubs including all members, caches, instructrs, guides, temprary/trialling members, cmmittee members, emplyees including vluntary wrkers, wrk experience students and declared race directrs and event prmters (fr liability insurance nly). This is the definitin f which peple are deemed Australian Caneing Members. The Public Liability and Prfessinal Indemnity plicies will als cver Day Members wh becme temprary members thrugh Paddling Australia events. This prgram incrprates three cvers; a) Public Liability b) Prfessinal Liability c) Persnal Accident SCOPE OF COVER This plicy prvides prtectin fr insured entities and persns that are held liable fr a negligent act that results in prperty damage r bdily injury anywhere in the wrld excluding USA & Canada. LIMIT OF LIABILITY The cver prvided is up t a maximum f $20,000,000. There is a $1,000 excess payable fr any prperty damage claims and nil excess fr persnal injury claims. The payment f the excess is the respnsibility f the defending party and will nt be paid by Australian Caneing unless therwise agreed. SCOPE OF COVER Prvides indemnity t a cach, instructr, guide r fficial if they are held liable fr an errr r incrrect advice which results in injury r prperty damage t a third party. LIMIT OF LIABILITY The cver prvided is up t a maximum f $5,000,000. There is a $1,000 excess payable fr any claim. The payment f the excess is the respnsibility f the defending party and will nt be paid by Australian Caneing unless therwise agreed.

6 SCOPE OF COVER Cverage applies whilst Australian Caneing members are invlved in sanctined Australian Caneing activities. These activities include races, individual and fficial training and trialling, meetings, fundraising activities and travel t and frm these activities in Australia. This sectin prvides cver fr members aged between 2 and 80 years f age. Cver is limited fr persns under 18 and ver 75 years f age. BENEFITS The main benefits under the Persnal Accident Plicy are listed belw: 1) DEATH & PERMANENT INJURIES A lump sum benefit is payable in the event f a death r a Permanent Disability. The scale f benefits is defined in the plicy. The maximum benefit is $100,000. 2) NON-MEDICARE MEDICAL EXPENSES This cvers insured persns fr NON-MEDICARE medical expenses. The plicy is fr reimbursement nly. That is, the member must pay the accunt and then claim reimbursement under this insurance cver. NOTE Only NON-MEDICARE items are claimable (i.e the Medicare gap is nt claimable due t gvernment legislatin). The mst cmmn Nn-Medicare expenses include:- Medical expenses that are cvered by Medicare (i.e. nt cvered by this sprts injury plicy) include: BENEFIT Reimbursement up t 85% f Nn-Medicare medical csts, up t a maximum f $2,500 per injury. $50 excess applies t each injury. CONDITIONS (i) If a member belngs t a private health fund, they must claim frm that fund first. (ii) Nn-Medicare medical csts are nly reimbursed by this plicy if incurred within 52 weeks frm the date f injury 3) LOSS OF INCOME This benefit prvides cver fr insured persns wh are disabled frm an injury relating t events cvered and are unable t wrk. BENEFIT 85% f yur net weekly incme up t a maximum f $500 per week ($250 per week fr members aged 75 t 80), whichever is the lesser There is n benefit claimable fr the first 14 days that yu are away frm wrk as a result f injury. BENEFIT PERIOD 52 weeks frm the date f injury. 4) STUDENT TUITION BENEFIT Reimburses 100% f actual csts up t a maximum f $500 per week fr csts actually incurred fr tutring a full time student. There is n benefit claimable fr the first 14 days that yu are away frm yur place f learning as a result f injury. BENEFIT PERIOD 26 weeks frm the date f injury. OTHER BENEFITS AVAILABLE BUT NOT LISTED ARE: plicy cnditins are cntained in the Chubb Insurance Cmpany f Australia Limited Persnal Accident Prduct Disclsure Statement & Plicy Wrding. T btain a cpy f the Wrding, please cntact Australian Caneing. PERSONAL ACCIDENT as sn as pssible, yu can dwnlad this claim frm by visiting signed by yur Assciatin/Club and then frwarded t Australian Caneing s head ffice. frm t Willis alng with all riginal receipts (unless retained by yur health fund). Willis will then send the dcumentatin t Chubb Insurance Cmpany f Australia Limited, wh will arrange payment t yu. PROFESSIONAL INDEMNITY & PUBLIC LIABILITY In the event f a liability claim, d nt admit liability under any circumstances. Cntact Willis immediately t ntify any incidents n ph: 1300 WILLIS (i.e ). IMPORTANT NOTES 1) This infrmatin is nly a summary f the cver prvided. The plicies with full cnditins are available by cntacting Australian Caneing r visiting 2) This insurance prgram cmmenced n 30 June 2011 and expires n 30 June ) Willis Australia Limited has arranged this insurance prgram t prvide benefits t thse registered members f Australian Caneing wh, thrugh injury r accident, incur financial lss and wh wuld therwise nt have received assistance. The prgram seeks t prvide benefits t thse mst expsed and t maintain prtectin at the lwest pssible cst t membership. It therefre cannt Gvernment Legislatin prevents insurance cmpanies frm paying any insurance benefit fr a medical service that is cvered by Medicare. This legislatin als applies t the Medicare gap. In additin t these plicies all members 4) Australian Caneing is nt and des nt represent itself as a licensed insurance brker by endrsing the prducts utlined in this brchure. 5) The insurer fr the Public and Prducts Liability Prgram is SLE Wrldwide Australia Pty Ltd and the insurer fr the Persnal Accident Prgram is Chubb Insurance Cmpany f Australia Limited. The btained by cntacting Willis, r frm

7 Australian Caneing Structure fr Insurance Cver t be effective frm 22nd Nvember 2011 TYPE OF INSURANCE Persnal Accident Public/ Prducts Liability/ Prfessinal Indemnity Assciatin Liability Business Pack Travel INSURANCE COMPANY Chubb SLE Chartis QBE ACE Australian Caneing n/a yes yes yes n/a AC Member #yes yes *yes n/a **yes NATIONAL LEVEL Paddling Australia Members n yes n n/a n Accredited Instructrs & Guides ***yes ***yes n n/a n Vlunteers yes yes *yes n/a **yes Officials & Caches yes yes *yes n/a **yes Staff Wrkers cmp yes yes n/a **yes STATE LEVEL State Member Assciatins n/a yes yes Vic nly n/a AC Member #yes yes *yes n/a **yes Staff Wrkers cmp yes yes n/a **yes Affilliated Clubs n/a yes yes n n/a CLUB LEVEL AC Members #yes yes *yes n/a **yes Vlunteers yes yes *yes n/a n Officials & Caches yes yes *yes n/a n PADDLING AUSTRALIA Cmpany itself n/a yes n n n Participants n yes n n n Vlunteers n yes n n n Officials n yes n n n Staff Wrkers cmp via Event Organiser yes n n n *Nte: Cvered nly if authrised t act in an ffice bearer capacity r if elected nt a cmmittee **Nte: Cvered nly if authrised by Australian Caneing and excluding USA and Canada *** Nte: Cver fr cane training activities nly. i.e N cver fr turing activities, hire and sales f craft. # Nte: 'AC' members - incrprating 'cmpetitive' and 'nn-cmpetitive' (i.e. recreatinal) members. This includes AC 'trialling' members