District Insurance
Consultant: PDG Jim Trotter
Attadale
This Information is correct at time of printing.
Clubs will be advised of any changes.
DISTRICT INSURANCE:
Cover exists for the following:
Members of the Rotary,
Rotaract, Interact clubs of Australia (including clubs in course of
formation and both incorporated and unincorporated clubs), the
Boards thereof, and approved Club and District Committees and
participants in all Rotary associated activities in, or outside
Australia, including but not restricted to, Rotary Australia World
Community Service Ltd., Students (incoming and outgoing) in the
following programmes: Foundation Scholarships, RYPEN, Summer
Science Schools and Rotary Adventure in Citizenship, Participants
in Group Study Exchange teams, RYLA, FAIM teams and including
volunteer workers and honorary members. In
the case of Public Liability, cover extends to include host
families of exchange students.
RISK COVERED
Industrial Special Risks
(Properties):
Club properties of every kind or description and goods in care,
custody and/or control of the club, but excluding owner-operated
equipment in the care/custody or control of the insured.
Geographical Limits
Anywhere in the Commonwealth of Australia, New Zealand, Papua New
Guinea, Asia and South Pacific Islands, including whilst in transit
and subject to policy limits:
Limit of Liability $500 000
Excess Payable $1500 (or $500 for personal effects)
Each and every claim.
Earthquake, etc - $20 000 or 1% asset value,
whichever is greater.
PUBLIC LIABILITY
Those insured: as previously listed.
Interest Legal liability to pay compensation in respect
of:
A. Bodily injury (including death), sickness,
shock, fright, mental anguish or mental injury;
B. Property damage, including loss of property arising out of the
activities of Rotary.
Geographical Limits
Anywhere in the world, but in respect of U.S.A. and Canada, cover
is limited to the insured parties travelling within such
countries.
Limit of Cover
$50,000,000 - (molestation $ 2,000,000 anyone claim any one
occurrence or series of occurrences arising from one event.
Excess - $1000 for clubs nil for individuals
PERSONAL ACCIDENT
Those insured: as previously listed, but also
including prospective club members from the date their membership
is approved to the date of induction provided such period does not
exceed two months.
Benefits:
Death, paralysis, loss of sight, total permanent
disablement, major
Feet or hand and foot (combined) $250,000
Partial Loss - e.g. one eye, one hand or foot $250,000
Temporary Total Disablement (up to 156 weeks) Per week $1000
Temporary Partial Disablement (up to 156 weeks) Per week $250
Medial Expenses (Non Medicare recoverable)
With a limit of any one event, for each injured person
$3,000
AGE LIMITATIONS
13-17 years - reduced coverages exist for this
group, refer to insurance officer
Accidental Death 80-90 years $50,000 90-95
years Nil.
Medical Expenses
80-95 Years costs (after Medicare fund recoveries) are claimable up
to $3000 one event.
No other coverages exist for 80-95 years other
then those stated above
TRAVEL (persons 79 years of age and over
have reduced or nil coverages in the areas marked **
Those insured: as previously listed.
Cover exists for the above and club members’ partner whilst on
official Rotary business (e.g. conventions, seminars and projects
and associated business) for the following areas:
Medical expenses incurred overseas **
Loss of Deposits
Loss of Baggage
Electronic equipment must be in cabin hand luggage for coverage to
apply with $250 cover up to 5 items
Baggage claims limit any one item $1500
Curtailment Expenses **
Travelling Companion
Loss of Money/Travellers Cheques
Hijacking Expenses
Kidnap and Ransom
Disablement**
Excess - nil for all other claims
Nil deductibles applies to each and every loss in
respect to Travel Insurance claims - except for a 7 day period
prior to commencement of weekly benefit claim payments.
Geographical Limits:
Worldwide whilst travelling to or from and whilst engaged in
official Rotary functions or projects.
Association liabilities
Association Liabilities
Fidelity Guarantee:
Those covered: as previously listed.
Interest: Loss of money or negotiable
goods belonging to the insured or for which the insured is legally
liable resulting from any act of fraud or dishonesty committed by a
member (including club officials).
Limit of Indemnity $10,000,000
Excess (per event) $1000 - $5000 (subject to section of coverage
applicable)
The foregoing information is brief in content due to the limited
space available.
For further information contact the consultant for District
Insurance.
Caravan / Trailer Insurance
(Under Rotary Australia National Insurance Scheme - Policy 6 -
Optional) $5000 cover
Interest - Trailers and/or caravans (registered
in district or club names)
Geographical Limits - Anywhere in Australia.
Excess - $500 each and every claim
Limit of Cover - Premium is based on up to ten (10) unspecified
trailers or caravans per District at any one time.
For further details contact the District
Insurance Officer PDG Jim Trotter.
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