41 Club Insurance SUMMARY OF INSURANCE COVER FOR INFORMATION ONLY

The club insurance is arranged by Bluefin Insurance Services Ltd.  For further information please contact the National Treasurer (treasurer@41club.org)

The following is a summary of the insurance in place.

Public/Products Liability

This protects the 41 Club (and members acting in their capacity for the club) in respect of claims arising from third parties for injury or property damage arising out of the club’s negligence.

The current Limit of indemnity is £5,000,000 each and every claim in respect of Public Liability and £5,000,000 in the annual aggregate in respect of Products Liability.

A £250 excess applies in respect of third party property damage.

The policy excludes ‘Dangerous Activities’ as follows:

• Fireworks or bonfires
• Pyrotechnical devices
• Inflatable play equipment
• Fairground rides or mechanical or electrical rides of any kind
• Ballooning or flying or any aerial activity of any description
• Quad bikes, go karts or motor sports of any kind
• Trampolines, gymnastic apparatus or any apparatus requiring the use of safety harness or ropes to prevent or arrest falls from height
• Circus acts or stunt acts
• It's a knockout competitions
• Persons riding on animals
• Canoeing sailing or the use of water rafts
• Shooting ranging for guns or archery
• Trips to theme parks or any beach
• Tug of war.

However, it may be possible to extend the insurance for specific ‘dangerous’ events therefore please refer to the Treasurer in good time if you intend to hold such an event.

As organisers of an event it is the Club’s responsibility to ensure that measures are in place to address health and safety issues and to ensure that activities are adequately controlled and carried out safely.  It is recommended that a documented Risk Assessment is conducted prior to the event. 

Please remember to check the insurance of venues you are hiring and third party suppliers/contractors. We recommend you ask for a copy of their Public/Products Liability certificate.  Bluefin are able to advise on adequacy of cover if required.

Please note there is no cover for theft/ loss of money or property at events.

All Risks Club Property Insurance

All 41 Club regalia, jewels, chains of office, trophies, computers and stock are insured when stored at members’ houses or locked up at meeting venues.  However, this is restricted to a maximum of £10,000 per club and a maximum value per item of £5,000 (with the exception of the Chairman’s chain which has a maximum insured value of £10,000).

The excess is £250 per claim, which is increased to £1,000 in respect theft caused by of non-forcible and violent means.

Please note, unexplained disappearance is standard policy exclusion.

Please notify losses or potential claims as soon as practicable and within 30 days of discovery.

IMPORTANT

This information is merely a synopsis of the cover in place. It is advised that organisers of events contact the Treasurer for advice if there is any doubt on what is covered.  Bluefin will be contacted by the Treasurer when required