DISTRICT INSURANCE
Consultant:
Michael Ball
District Insurance cover exists for the following:
Members of Rotary, Rotaract, Interact and Earlyact clubs of
Australia (including clubs in the 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 Services Ltd,
Students (incoming and outgoing) in the following programmes:
Foundation Scholarships, RYPEN, NYSF, participants in VTT teams, RYLA, Project
Volunteer 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: $1,500 (or $500 for personal effects) each and every claim
Earthquake, etc: $20,000 or 1% asset value, whichever is the 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 any one occurance or series of occurances arising from one event.
Excess Payable: $1,000 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 (age 18 - 79 years)
$250,000
Partial loss - e.g. one eye, one hand or foot
$250,000
Temporary total disablement (up to 104 weeks)
max per week $1,000
Temporary partial disablement (up to 104 weeks)
max per week $250
Medical expenses (non Medicare recoverable)
with a limit of any one event, for each injured person
$3,000
28
DISTRICT INSURANCE cont
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 $3,000 one event.
No other coverages exist for 80-95 years other than those stated above.
TRAVEL:
Persons 76 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 partners 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 - Baggage claims limit any one item $1,000
Electronic equipment must be in cabin hand luggage for coverage to apply.
Curtailment Expenses**
Travelling Companion
Loss of Money/Travellers Cheques
Hijacking Expenses
Kidnap and Ransom
Disablement**
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:
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
Excess (per event)
$1,000 - $5,000 (subject to section of coverage applicable).
Caravan/Trailer Insurance:
Under Rotary Australia National Insurance Scheme - Policy 6, (optional).
Interest:
Trailers and/or caravans (registered in district or club names).
Geographical Limits:Anywhere in Australia.
Excess:
$500 each and every claim. $1,000 whilst unit hired out.
Limit of Cover:
Premium is based on up to ten unspecified trailers or caravans per District at any one time.
The foregoing information is brief in content due to the limited space available and is correct at time of
printing. Clubs will be advised of any changes.
Michael Ball Jenille
Toowong
38 Mirbelia Street, Kenmore Hills, Qld 4069 E: [email protected]
B: 3833 2200 H: F: 3839 3700 M: 0429 150 216
29