The Association holds two insurance policies for its members. The following notes are intended as a guide only. They are not intended as a substitute to the insurance policies held by the Association relevant to the period of cover, which contain the full policy definitions, terms, conditions and exclusions.
This policy covers bell ringing, minor maintenance and fundraising events. No definition of ‘minor maintenance’ is available but it would cover routine maintenance and similar activities. Fundraising includes, for example, the use of halls for meetings, social events and quiz evenings; barbecues; treasure hunts; raffles, church collections and publicity and fundraising events, which may include the use of mini-rings. The indemnity is up to £5,000,000 for every claim with an excess of £250 and the policy includes member-to-member liability. The policy is with the Ecclesiastical Insurance Group. Public liability cover should be arranged separately where it is needed in connection with a major bell project.
This policy covers all paid-up members of the Association (but not non-resident members), including any person under instruction prior to acceptance for membership of the Essex Association. In 2010, the benefits were increased and the lower and upper age limits on cover were removed. The policy is underwritten by Sagicor Underwriting Ltd.
Members are covered whilst ringing or attending to any works or travelling to or from a church or bell tower to practice or take part in ringing anywhere in the world. Cover provides benefits in respect of any accident (other than excluded activities) causing death, permanent total disablement or temporary total disablement. Cover is subject to the policy terms, conditions and exclusions – for example, cover would not apply to any member under the influence of alcohol.
Benefits payable in the event of a claim
|Age Range (years)||Death||Permanent Total Disablement||Temporary Total Disablement|
|16-70||£30,000||£30,000||£300 per week for up to 104 weeks|
|Under 16||£2,500||£2,500||Not covered|
|Over 75||£2,500||Not covered||Not covered|
The maximum Sum insured for any one occurrence is £1,000,000. Medical expenses (20% of the Sum insured up to a maximum of £10,000) are payable for those aged 16-70 years.
Any member whose subscription is in arrears and who has not paid those arrears by the 30th April each year will not have their insurance cover renewed. It is therefore even more important that you do not let your membership lapse. In the event of a claim the Association Officers will decide whether or not you are a valid member based on membership lists, which the Association are required to maintain (Rule 11.3).
The above is a summary of the policies held and in any conflict with this summary and the actual policies, the policies will take precedence. Claims and queries concerning the extent of the cover, exclusions or operation of the policies should be directed in the first instance to the Association Treasurer so that the position may be clarified with the insurers.