The Tower Handbook
7.6: Insurance
a: What sort of insurance is relevant to ringing?
Three sorts of insurance might be relevant [68]
- Personal accident insurance
covers you as individuals should you have an accident, and will pay compensation for injury, time off work etc.
- Public liability insurance
indemnifies you against claims for damages and associated legal costs if other people are injured by your actions or events.
- Possessions insurance
covers you for loss of, or damage to personal property.
There are also three potential sources of such cover:
- Your own policy
You may find your family insurance covers you personally for some of these risks. Check to see what is included if you are concerned.
- Your church's policy
This will certainly cover some of the risks. Check with your PCC to find out whether there are any important aspects not covered. If so you can discuss whether specific risks associated with ringing could be added, or whether general cover could be clarified to ensure it did cover ringing activities.
- Your local association
Some associations provide cover for their members while involved in ringing and related activities. Make sure you know what cover if any is provided for you.
Insurance can be complicated. Insurance from each of the sources above may have different constraints (eg upper and lower age limits) or payments (for injury) limited to people in full time employment. There can be complications if more than one policy covers the same risk, which is quite likely in this case. Find out for what risks you are and are not covered. Decide whether your band is happy with the situation. If you have no cover from your church, you should discuss this with the PCC, since they may not be happy that part of the church's activity has no cover, leaving them possibly liable. If your local association provides no cover, you could discuss with them whether this is something they should do. Very cost effective cover can be provided by this route.
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