What is Covered?
WHAT IS COVERED? – PERSONAL ACCIDENT INSURANCE
Personal Accident insurance provides cover for members if they are injured. This policy provides financial assistance with Non-Medicare Medical Expenses, Loss of Income and Capital Benefits.
Who is insured under this policy?
This policy covers Diving Australia and all its State/Territory Associations and Clubs including all members, temporary/trialling members, officials, accredited coaches, executives and voluntary workers.
Who is the insurer?
Accident & Health International Underwriting
What is the period of insurance?
From 30 June 2022, 4.00pm To 30 June 2023, 4.00pm
(local standard time at the Insured’s head office)
What is the scope of cover?
The insured is covered whilst participating in sanctioned Diving Australia activities, including;
Official events
Playing and training
Official social events and fundraising activities
Travel to and from the above activities
Where are you covered?
Australia Wide
What are the age limitations?
2 – 100 years of age
Coverage Limits & Excesses
| BENEFIT | LIMIT | EXCESS |
| Capital Benefit | $100,000 *maximum for death $10,000 *maximum for death under 14 years of age $250,000 *quadriplegia/paraplegia $25,000 *capital benefit | Nil |
| Non-Medicare Medical Expenses | Members: 85% reimbursement, up to a maximum of $3,000 per claim Volunteers 85% reimbursement, up to a maximum of $5,000 per claim Note: Cover is for expenses incurred within 52 weeks from the date of injury | $50 or Nil if covered by Private Health insurance $50 or Nil if covered by Private Health insurance |
| Loss of Income | 85% of net weekly income up to a maximum of $500 per week Maximum benefit period = 104 weeks | 7 day excess |
WHAT IS COVERED? – PUBLIC & PRODUCTS LIABILITY AND PROFESSIONAL INDEMNITY INSURANCE
Public & Products Liability insurance provides protection for insured entities and persons that are held liable for a negligent act that results in property damage or bodily injury. Professional Indemnity insurance provides protection for coaches or officials if they are held liable for an error or incorrect advice which results in injury or property damage to a third party.
Who is insured under this policy?
This policy covers Diving Australia and all its State/Territory Associations, all affiliated Clubs including all members, temporary/trialling members, officials, accredited coaches, umpires, executives and voluntary workers
Who is the insurer?
Canopius Australia & Pacific
What is the period of insurance?
From 30 June 2022, 4.00pm To 30 June 2023, 4.00pm
(local standard time at the Insured’s head office)
What are the Insured Activities?
Administration, promotion, organisation and participation in diving activities including sanctioned training sessions and training camps, sanctioned coaching, the rendering of first aid, provision of food and drink, publication of newsletters, sale of merchandise, property owners or property occupiers liability, social activities including awards presentations, fundraising, BBQs and other social gatherings.
Please note that some fundraising and extreme training techniques may not be covered by the definition of “Activities Covered” in this policy e.g. bungee jumping, car rallies, bull riding rodeos, jumping castles etc. If you are unsure as to whether you require insurance cover for the activities you plan to undertake, please phone V-Insurance Group on 1300 945 547 for clarification.
Where are you covered?
Worldwide excluding USA, Canada, Cuba, North Korea and Iran
WHAT IS COVERED? – MANAGEMENT LIABILITY INSURANCE
Management Liability insurance covers your Club’s Directors and Officers for a range of financial risks they may encounter in the performance of their role. This includes costs associated with legal action if sued for negligence, libel, slander, defamation or discrimination, costs associated with employment related matters (unfair dismissal) and crime (losses sustained through dishonest or fraudulent acts or omissions).
Who is insured under this policy?
Directors and Officers of Diving Australia and all affiliated State Associations and Territories, including all affiliated Clubs and any appointed sub committees, subsidiary and/or related Corporations as defined under Australian Corporations Law and/or financiers and all parties for whom the Insured undertakes to insure for their respective rights, interests and liabilities.
Who is the insurer?
Berkley Insurance Australia
What is the period of insurance?
From 30 June 2022, 4.00pm To 30 June 2023, 4.00pm
(local standard time at the Insured’s head office)
What is the limit of liability?
$5,000,000 any one loss and $10,000,000 in the aggregate during the period of insurance.
Where are you covered?
The indemnity provided under this policy extends to a wrongful act occurring anywhere in the world but shall not include any claim made in or determined pursuant to the law of the USA or Canada.
Exclusions
Please refer to the Policy Wording for details of policy conditions and exclusions.
