What is Covered?
This program covers Harness Racing Australia and State Controlling Bodies (except Harness Racing NSW and Harness Racing Victoria), all Licenced Trainers, Drivers, Stable Hands (voluntary workers only), nominated clubs, tracks and all registered members, officials, voluntary workers, executives and members of the Board of Management.
These activities include official events, all racing, training and trialling, meetings, fundraising activities and travel to and from these activities.
This program incorporates three covers;
- Public Liability
- Professional Indemnity
- Personal Accident
To download a copy of the HRA Summary of Cover brochure, please click on the icon below:
There is the option to Top – Up your Personal Accident insurance. If you would like a quotation to top up your Personal Accident insurance, please complete the following application form:
V-Insurance has arranged the Personal Accident insurance program on a group basis without taking into account individual circumstances. This policy provides benefits to members of Harness Racing Australia’s states and Territories (excluding NSW and VIC), who through injury or accident, incur financial loss and who would otherwise not have received assistance. The program seeks to provide benefits to those most exposed and to maintain protection at the lowest possible cost to membership. It therefore cannot provide 100% cover of a benefit for every loss that occurs. Federal Government Legislation prevents insurance companies from paying any insurance benefit for a medical service that is covered by Medicare. This legislation also applies to the Medicare gap. In addition to this Personal Accident insurance all members are encouraged to consider taking out Private Health insurance, Income Protection Insurance and Life insurance if their individual circumstances require it.