· Liability arising out of the ownership, possession or use of motor vehicles, aircraft and powered water borne craft;

· Liability for bodily injury or illness to any person employed by the member;

· Property in the custody or control of a member other than leased or rented premises as defined above;

· Deliberate Acts;

· The person accused of abuse/alleged to be the abuser

A complete list of exclusions can be found in the policy wording

EXCESS OF LOSS

Policy Number: AN629830

Insurer: Zurich Insurance Company

Limit of Indemnity: £5,000,000 in excess of the Underlying Limit of Indemnity

N.B. Any incident that may give rise to a claim in the future must be advised to the brokers immediately to comply with policy conditions. Under NO circumstances should members admit liability or agree to pay for any damage caused as this may prejudice the position of Insurers and COULD result in the withdrawal of any indemnity.  Any claim arising out of advice, tuition or coaching made subsequent to the period of insurance as a result of circumstances occurring during the period is admissible if the member has retired from, or ceased to participate in, the Association's activity.

2. Personal Accident Insurance –Insurer: ACE Insurance (51UK492990)

The benefits are payable if during the period of insurance the insured person suffers accidental bodily injury resulting directly and independently of any other cause within 2 years in death, loss or disablement. Cover includes accidental damage or loss of teeth.

Benefits

Death £5,000

Permanent Total Disablement from gainful employment of any and every kind* £50,000

Loss of limb[s]* £50,000

Loss of sight of eye[s]* £50,000

Loss of Speech* £50,000

Loss of Hearing* £50,000

Emergency Dental Treatment (£50 excess)* £500

Hospitalisation £30 per day (25 days) Max £750

Convalescence should a stay in hospital exceed 7 days £100

Broken Bones (Arm £100, Leg £200** max £500

Age limit 80 years.

* The Benefit Amount shall be reduced by 50% in respect of Policyholders aged 70 years or over.
** The Benefit Amount and the maximum amount payable shall be reduced by 50% in respect of Policyholders aged 65 years or over.

Cover does not apply to:

i) Illness, disease, HIV

ii) The taking of a drug that is not lawfully available

iii) The first £50 of any claim arising out of damage to or loss of teeth.

3. Legal Advice

All members get access to a free legal help line that can be accessed 24 hours a day. The service is provided by DAS and separate cards will be issued to members providing details of the contact telephone number.

This is a summary only of cover; for full policy terms & conditions, please contact the Association's insurance brokers Perkins Slade Limited (0121 698 8050).

Perkins Slade Limited, Royal & Sun Alliance Insurance Plc, ACE European Group Ltd and DAS Group are authorised and regulated by the Financial Services Authority

The options for membership for 2010 – 2011 are as follows:

OPTION 1 - Premium – included in the membership fee for Full and Honoured Members