Insurance

The brokers used by the PAGB arrange for various types of insurance at competitive rates negotiated for us all by the PAGB. These include:

Club All Risks

This provides cover for equipment owned by, or loaned to your club as well as the prints and transparencies in your club’s possession. There are 3 sections of cover under the policy, which are:

• Section A – Club Property (equipment owned by the club)
• Section B – Third Party Property (equipment loaned to the club)
• Section C – Prints & Transparencies

There is a minimum premium of £42 for each section of cover required, which is inclusive of the 5% Government Insurance Premium Tax. Cover does include accidental damage, but will not cover any damage due to everyday wear and tear, or replacement bulbs. This policy will provide cover for the equipment whilst at your club meeting place, at an exhibition/presentation, at a club member’s home for storage or club purposes (no cover provided if the member is using the equipment for their own purposes) or in transit to or from theses places.

Members All Risks

This policy provides cover for equipment owned by club members and will cover equipment whilst anywhere in the United Kingdom and worldwide with a maximum period of 30 days cover in any one year. As with the Club All Risks policy, accidental damage is included and everyday wear and tear is excluded. This policy would be in the club’s name, but would note the separate members names and limits of indemnity as proof of the cover provided by the policy.

Public Liability

This policy covers the club for damage to third party property (excluding property owned by the Club, or loaned to them) or injury to a third party, where it can be shown that the club/club member has acted negligently e.g. faulty equipment has been used and caused a fire. The policy does not cover deliberate acts, which would be a criminal offence and therefore be uninsurable. This policy is provided by the Federation that the club belongs to and is arranged by the federation representative.

Fire and Theft

This policy is designed to provide Buildings cover for clubs that own their own meeting place. The cover is equivalent to that provided under the buildings section of a household policy and includes cover for Fire, Lightning, Flood, Breakage of Glass and Subsidence, Heave and Landslip.

If you want to discuss insurance, Eric Saul, our Treasurer, will be pleased to help. His telephone number is 01462 711772 and, incidentally, neither he nor the Federation, receive any commission or bonus payment as incentives! Otherwise, you can speak directly with Robert Barden of Darwin Clayton (UK) Ltd, who deals with Federation Insurance – telephone 01892 511144.