Insurance FAQ's
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| Q1. Why do we need insurance? |
| Q2. What does the term "negligence" mean? |
| Q3. Is it true that members can't claim against an organisation if they are members of it? |
| Q4. Are non members "covered" under the scheme insurance? |
| Q5. Would the insurance of the hall owners not cover our ARA? |
| Q6. Are injured people automatically compensated? |
| Q7. Are all activities covered? |
| Q8. Do we have cover for activities away from our usual premises? |
| Q9. Does the insurance cover property owned by an ARA? |
| Q10. Does the Scheme include Employers Liability cover? |
| Q11. Does the Scheme cover the use of members' cars? |
| Q12. What should an ARA do in the event of an accident? |
| Q13. For further information please contact the Scheme agent:- |
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Q1. Why do we need insurance?
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Its
purpose is to handle claims made against an ARA by the public for
damages fo accidental injury or accidental property damage. If throught
the "neglgence" of an ARA when organising an activity some person (be
they members, non-members or the general public) suffers accidental
injury or accidental property damage the committee and members of the
ARA could be held personally liable to pay compensation to the victim.
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Q2. What does the term "negligence" mean?
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Whether or not negligence was
involved may need to be decided by a court. However, without getting too
technical negligence means that there was a failure by an ARA to take reasonable care when organising some
activity, function or event and that as a direct result someone was injured or
their property was damaged.
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Q3. Is it true that members can't claim against an organisation if they are members of it?
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There is a long standing legal
concept that members are not entitled to claim against a club to which they
belong. Courts have traditionally taken the view that as an organisation is
made up of its members such claimants “would be suing themselves”.
To resolve this problem the
Scheme Insurer has agreed not to use that as a defence against a claim by a
member of an ARA. This is called
Member to Member Liability Cover. Thus members are entitled to claim if they
feel that they have been injured due to the negligence of an ARA.
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Q4. Are non members "covered" under the scheme insurance?
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Public Liability insurance
does not “cover” people. What is covered is the legal liability of an ARA for claims made against it for accidental
injury or accidental property damage by the public whether they be members or
non members. There is no insurance reason why non-members should be discouraged
from participation in ARA
activities.
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Q5. Would the insurance of the hall owners not cover our ARA?
No. Insurance arranged by a
hall owner will only cover the legal liability of the hall owner not the
liability of groups who hire the hall.
Is that not double insurance?
No. Each party has distinct liabilities. The hall owner would be liability for
injury caused by his negligence e.g. by a defect in the floor, carpet or stairs.
While an ARA who hire the hall
would be liable for injury caused by their negligence in organising the
activities that they run there.
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Q6. Are injured people automatically compensated?
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No. To succeed in a claim
against an ARA a claimant would
have to prove, perhaps in court, that he/she suffered injury as a direct result
of the “negligence” of the ARA.
Public Liability insurance must not be confused with
Personal Accident Insurance (e.g. a travel insurance policy) under which an
injured person would receive compensation simply because they suffered injury.
That form of insurance would be fifty if not a hundred times more expensive
than Public Liability. |
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Q7. Are all activities covered?
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The Insurance Scheme covers
the legal liability of an ARA
arising out of the organisation of the long list of activities shown on the
Certificate of Insurance which has been issued to each ARA
who are members of the Insurance Scheme.
If an ARA
needs cover for additional activities they should contact Insurances and Financial Services Limited, who will consult the Scheme Insurers.
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Q8. Do we have cover for activities away from our usual premises?
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The insurance is not confined
to a particular premises. Cover caters for the organisation by an ARA of activities anywhere within the Republic of Ireland, Northern Ireland, Great Britain,
the Island of Man, the Channel
Islands and the European Union.
N.B. Participants on trips and holidays should arrange
their own travel insurance. |
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Q9. Does the insurance cover property owned by an ARA?
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No, but it is usually possible
to extend cover by contacting Insurances and Financial Services Ltd.
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Q10. Does the Scheme include Employers Liability cover?
| No, but if an ARA employs someone they should contact Insurances and Financial Services Ltd.
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Q11. Does the Scheme cover the use of members' cars?
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No. Members using their own cars need to have their own motor insurance.
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Q12. What should an ARA do in the event of an accident?
The ARA involved should immediately contact Insurances and Financial Services Ltd with whatever details are available. No admission of liability or responsibility should be made.
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Q13. For further information please contact the Scheme agent:-
Insurances and Financial Services Limited, IFS House, 16 Lower Main Street, Lucan, Co. Dublin
Tel: 01-6281100
Email: info@ifsbrokers.com
Website: www.ifsbrokers.com
Insurances and Financial Services Limited is regulated by the Financial Regulator. IFS is a private company limited by shares and having a share capital.
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