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OVERVIEW |
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With all the talk of Public Liability Insurance, we thought we should let you
know how the Club and it's assets are protected. We currently carry two
policies, and then get additional coverage for our days at the racetrack.
Do you want to know why? |
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PUBLIC LIABILITY INSURANCE POLICY |
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BMW Club Queensland holds a Public Liability Insurance policy supplied by
Scarborough East Coast Insurance Brokers:
Events covered by the policy:
Normal club activities, including club meetings, committee meetings,
functions, social drives, technical days, Show-n-Shines, etc.
This insurance policy covers the Club and/or its' members for injuries to
people, or damage to property, where the Club or it's members are considered to
be negligent.
After payment of the excess, ($250) the policy will pay damages awarded up to
the sum insured ($5 000 000) plus the cost of legal proceedings.
Examples:
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At a technical day, a bottle of oil is knocked over by a club member, and
a passer-by slips over in the spilled oil, and hits his head. He sues the
club/club member for lost income whilst recovering.
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At a Show of Excellence, a member of the public is looking at brochures in the
Club's tent, when a gust of winds whips a loose rope, which flicks him in the
eye. He sues the Club for medical expenses.
Note: The Club is not protected from suits by Club Members under this policy.
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CAMS Affiliation |
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BMW Club Queensland is a CAMS affiliated Club
Events covered by the policy:
Normal club activities, including club meetings, committee meetings,
functions, social drives, technical days, Show-n-Shines, etc.
This insurance policy covers the Club and/or its' members for public
liability to members, where the Club or it's members are considered to be
negligent.
After payment of the excess, the policy will pay damages awarded up to the sum
insured ($20 000 000) plus the cost of legal proceedings.
In the examples listed above, substitute a Club Member for the passer-by, or
member of the public.
Note: The Club is not protected from suits by members of the public under
this policy.
Membership of CAMS is also essential if we are to obtain a CAMS Permit to
run Driver Training at racetracks, which is a big part of our Club's activities.
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CAMS has arranged Combined Liability Insurance through its official brokers,
Marsh Pty Ltd.
Events covered by the policy:
Driver Training, Motorkhanas etc.
This insurance policy covers the Club, and/or its' members, whilst on the
track, or in the hot pits, for public liability to members, officials,
instructors etc, where the Club or it's members are considered to be negligent.
In general terms, CAMS, its members and officials, volunteers and/or
individual affiliated and associated Clubs and their members and officials and
volunteers (and in certain other circumstances) and/or CAMS licence holders
and/or land owners and/or lessees of property and/or land managers and/or land
administrators and/or sponsors for their respective rights and interests, are
indemnified subject to the terms and conditions and limitations of the master
policy in respect of any claim up to the limit of indemnity, which they may
become legally liable to pay arising from injury or disease (fatal and
non-fatal) or personal loss of or damage to property caused by an occurrence in
connection with authorised motor sporting events or related activities.
To be eligible for this coverage, the Club must ensure the following terms at
track events:
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All entrants/drivers must be members of BMW Club Qld, or another
CAMS
affiliated club.
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All drivers must hold a current CAMS licence. For driver training; Level
2S, for Motorkhanas; Level 2NS
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Supplementary Regulations must be submitted to CAMS for all Motorkhanas
and Track Driver Training days.
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