The Essex Association of Change Ringers   President: The Right Reverend the Lord Bishop of Chelmsford

Public Liability and Personal Accident Insurance

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.

Public Liability

The 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 and publicity and social events (including the use of mini-rings). The indemnity is up to £5,000,000 for every claim with a £250 excess and includes member-to-member liability. The policy is with Ecclesiastical Insurance Group. Public liability cover for major bell projects should be arranged separately.

Personal Accident

The 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. The policy is underwritten by Allianz Insurance plc. 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 and benefits payable have been extended in respect of age benefits (see table below).  Cover is subject to the policy terms, conditions and exclusions – the Insured shall take all reasonable precautions to prevent accidents and any injury, loss or destruction or damage and shall take all reasonable steps to observe and comply with statutory or local authority laws, obligations and requirements.

Benefits payable in the event of an accident Aged under 80 Aged 80-90
1 Death £30,000 £2,500
2-3 The above amounts are also payable across the age ranges in respect of loss of sight of one or both eyes, loss of one or more limb(s), loss of hearing in one or both ears or loss of speech
4 Permanent total disablement £30,000 £2,500
5 Temporary total disablement £300 pw for up to 104 weeks Not covered
6 Temporary partial disablement Not covered Not covered
7 Paraplegia £50,000 Not covered
8 Triplegia £85,000 Not covered
9 Quadriplegia £125,000 Not covered
Additional benefits are payable e.g. dental, optical, rehabilitation and counselling

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.

Andrew Brewster
Association Treasurer
January 2021

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