Introduction
Pollard Insurance Brokers has designed this insurance program for Australian Clay Target Association Inc. and its members.
This insurance cover applies when members, clubs and other insured persons / entities are involved in activities that are sanctioned by Australian Clay Target Association Inc. These activities include Clay Target Shooting, Training, Meetings and Events. Cover also includes travel to and from these activities.
This brochure is a summary of the cover only. If additional cover is required to this standard cover please contact Pollard Insurance Brokers for an individual quotation.
Who is Pollard Insurance Brokers
Pollard Advisory Services Pty Ltd trading as Pollard Insurance Brokers is a licenced broker who has arranged this insurance program in association with Australian Clay Target Association Inc. Pollard's hold a current Australian Financial Services Licence (No: 247077) to provide general insurance broking services. We are authorised to advise and deal in the full spectrum of general insurance products.
Established in 1979, we have almost 30 years of general insurance experience. We are a brokerage who has served individuals, small, medium and large business across Victoria and Australia.
Who is The Insured
The program covers all members, officials, directors, executives, state & district associations and volunteers of Australian Clay Target Association Inc. The Public and Products Liability also cover's affiliated clubs.
What is Covered
This program incorporates three covers:
1. Public Liability
2. Directors & Officers
3. Personal Accident
1- Public Liability Insurance
Scope of Cover
This policy provides protection for insured entities and persons that are held liable for a negligent act that results in property damage or bodily injury anywhere in the world excluding USA & Canada.
Limit of Liability
The cover provided is up to a maximum of $20,000,000.
Excess
There is a $2,500 excess payable for all claims. The payment of the excess is the responsibility of the defending party and will not be paid by Australian Clay Target Association Inc unless otherwise agreed.
2 - Directors & Officers Insurance
Scope of Cover
This policy Indemnifies directors and officers of the company for claims made against them during the period of insurance by reason of any wrongful act, as defined, committed by them in their capacity as directors and officers of the company.
Limit of Liability
The cover provided is up to a maximum of $2,000,000 for any one claim and $2,000,000 in the aggregate.
Excess
There is a $2,500 excess payable for all claims.
3 -Personal Accident Insurance
Scope of Cover
Coverage applies whilst members & volunteers are involved in sanctioned Australian Clay Target Association Inc or Club sanctioned activities. These activities include shooting, training, meetings, fundraising activities, and travel to and from these activities.
This section provides cover for members aged between 3 and 80 years.
The main benefits under the Personal Accident are below:-
Death & Permanent Injuries
A lump sum benefit is payable in the event of a death or permanent disability. The Scale of Benefits is defined in the policy. The benefit payable is $100,000.
Capital Benefits is reduced to $20,000 for anyone under the age of 16 years and over the age of 75.
Loss Of Income
This benefit provides cover for insured persons who are disabled from an injury relating to events covered and are unable to work.
Benefit
85% of your net weekly income up to a maximum of $1,000 per week, whichever is the lesser.
Excess
7 Days
Benefit Period
104 Weeks from the date of injury.
Student Assistance Benefit
Reimburses 85% of the actual costs up to a maximum of $250 per week for costs actually incurred for tutoring, travel costs etc to assist the full time student.
Compensation under this provision will be limited to the actual costs incurred not exceeding $250 per week and will be payable for a maximum of six (6) months.
Funeral Benefit
If the Insured Person suffers an injury which results in Death, your insurer will pay the funeral costs payable on the life of the Insured Person.
Your Insurer will pay 100% of the costs incurred to a maximum of $5,000.
Home Renovation Benefit
If as a result of injury an insured person is required to renovate his or her existing residence (including but not limited to the installation of ramps for external or internal wheel chair access, internal guide rails, emergency alert system and similar disability aids) necessary for the insured person to perform daily lifestyle activities (i.e. washing, cooking, bathing and dressing) and to remain in and move around his or her existing residence.
Your insurer will pay the costs incurred for such renovations to a maximum of $10,000.
How To Make A Claim
Personal Accident
A claim form will need to be completed and submitted as soon as possible. You can obtain a copy of the relevant claim form by contacting our office.
The declaration on the claim form needs to be signed by your club and then forwarded to the ACTA head office.
The Australian Clay Target Association Inc will forward your claim form to Pollard Insurance Brokers with all the original receipts (unless retained by your health fund) and once received Pollard Insurance Brokers will onward this documentation to your insurer.
Public & Products Liability
In the event of a liability claim, do not admit liability under any circumstances.
Contact Australian Clay Target Association Inc immediately on (02) 6931 0122 or Pollard Insurance Brokers on 1300 733 981 or on (03) 9783 6255 (during business hours).
Important Notes
This information is only a summary of the cover provided. The policies with full conditions are available by contacting Australian Clay Target Association Inc.
This insurance program commenced on 30 September 2009 and expires on 30 September 2010.
Pollard Insurance Brokers has arranged this insurance program to provide benefits to those registered members of Australian Clay Target Association Inc who through injury or accident incur financial loss and who would otherwise not have received assistance.
The program seeks to provide benefits to those most exposed and to maintain protection at the lowest possible cost to membership. It therefore cannot provide 100% cover or benefit for every loss that occurs. Federal Government Legislation prevents insurance companies
from paying any insurance benefit for a medical service that is covered by Medicare. This legislation also applies to the Medicare Gap. In addition to these policies all members are encouraged to take further Private Health Insurance.
Australian Clay Target Association Inc is not and does not represent itself as a licensed insurance broker by endorsing the products outlined in this brochure.
The insurer for the Public Liability Policy is QBE Insurance (Australia) Limited. The Insurer for the Personal Accident Policy is Chubb Insurance Company of Australia.
Further details relating to the above benefits as well as the policy conditions are contained in the Chubb Group Personal Injury Insurance Product Disclosure Statement & Policy Wording (GPI 0206). To obtain a copy of the Wording, please contact Australian Clay Target Association Inc.
Suite 12,395-399 Nepean Highway Frankston, Vic. 3199 Telephone: (03) 9783 6255 Facsimile: (03) 9781 4645
Email: info@pollardinsurance.com.au Web: www.pollardinsurance.com.au
Australian Financial Services Licence No: 247077 ACN : 052 049 082 ABN: 81 052 049 082