QAFCA's INSURANCE IN SIMPLE ENGLISH

    PUBLIC LIABILITY INSURANCE

Below is a “Plain English” version of the QAFCA’s Insurance Program. This minimum level of cover means this Program is not "comprehensive" and as such we encourage all participants to review their own individual needs and circumstances and where appropriate take out Private Health, Life and Income Protection Insurance.

It is an Individual's responsibility to ensure that he/she has adequate insurance cover for his/her needs.

PERSONAL ACCIDENT INSURANCE
Who is covered? All members, coaches, officials, first aid personnel, administrators and voluntary workers of QLD Queensland Amateur Fishing Clubs Association Inc. and its affiliated bodies.
When & where is cover provided?
The policy runs for the period 10 April 2007 to 10 April 2008 and provides worldwide (excluding USA & Canada) coverage whilst involved in the following Fishing authorised/sanctioned activities or events:
Competing in official activities, such as competitions/tournaments; 
Travelling to or from official competitions, meetings or official functions.
Engaging in administrative or organised social activities of the Insured;
Engaged in activities connected with the sport whilst staying away from home during a tour for the purpose of participating. 
Engaged in authorised voluntary work / committee meetings.
What are you covered for?

Capital Benefits

The cover under this section provides $50,000 for death resulting from accident.  All other permanent disabilities are calculated using a percentage of the death benefit depending on the severity of the injury.  For full details of these percentages, please refer to the Schedule of Capital Benefits contained in the policy wording.  Please Note Death is limited to 20% for Members whose age is less than 18.
 

Non-Medicare Medical Expenses

The cover under this section reimburses 85% of non-Medicare medical treatment including ambulance, hospital accommodation / theatre fees, orthotics, splints, prosthesis, treatments given by a dentist, chiropractor, masseur, naturopath, osteopath or physiotherapist.  The maximum benefit for this section is $2,000.  All treatment must be certified by a registered medical practitioner and not subject to any Medicare rebate.  All claims are subject to a $20 excess if no private health cover. Any expenses must be incurred within 12 months of the Member sustaining the injury.
 

Funeral Benefit

Covering funeral expenses incurred up to the sum insured per funeral.  The benefit is limited to $5,000.

The above is a summary only.  Please refer to the policy schedule and wording for full terms and conditions. 

 

PUBLIC & PRODUCTS LIABILITY INSURANCE
Public Liability Insurance provides cover for the insured’s legal liability to pay compensation to a third party for property damage and / or personal injury occurring due to a negligent act on the part of the insured.
 
Who is covered? All members, coaches, officials, first aid personnel, administrators and voluntary workers of QLD Queensland Amateur Fishing Clubs Association Inc. and its affiliated bodies.
When & where is cover provided?

The policy runs for the period 10 April 2007 to 10 April 2008 and provides

worldwide (excluding USA & Canada). Activities covered are:

Authorised / sanctioned events of QAFCA, such as state titles etc.;

Affiliated Divisions’ and Clubs’ competitions, events and fund-raising

activities

What are you covered for?
Public Liability:   $10,000,000 any one occurrence during the period of insurance.
Products Liability:  $10,000,000 any one occurrence and in the aggregate during the period of insurance.
Excesses: Nil
The above is a summary only.  Please refer to the policy schedule and wording for full terms and conditions. 
 

PROFESSIONAL INDEMNITY INSURANCE       

Professional Liability Insurance provides indemnity to insureds for their legal liability to pay compensation to a third party for property damage and / or personal injury resulting from a breach of Professional Duty in connection with the insureds’ activities.
 
Who is covered? All qualified coaches and officials attached to QAFCA and its affiliated Bodies.
When & where is cover provided?
The policy runs for the period 10 April 2007 to 10 April 2008 and provides worldwide (excluding USA & Canada). Activities covered are:
Authorised / sanctioned training and education courses on behalf of  QAFCA;
Affiliated Divisions’ and Clubs’ competitions, events and fund-raising activities
When & what are you covered for? Professional Indemnity - $1,000,000 any one occurrence and in the aggregate during the period of insurance.
Excesses:   Nil
 
The above is a summary only.  Please refer to the policy schedule and wording for full terms and conditions. 
 
The above insurance cover is only claimable provided that all clubs meet the following provisions:-
 
1. Clubs to submit to Q.A.F.C.A all members’ names & addresses prior to March 1.
 
2. Pay affiliation fee and insurance fees to Q.A.F.C.A. prior to March 1.
 
3. Provide a list of club activities for approval to Q.A.F.C.A. It should include the following – proposed venues and dates for fishing trips, meetings and fund raising activities.
 
HOW TO MAKE A CLAIM
To make a claim for any accident or incident, members must contact the Q.A.F.C.A. Secretary within 30 days of the incident / accident occurring to obtain the appropriate form. This should then be completed in writing and forwarded to the Secretary as soon as possible.