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SpringHeeledJack
2nd Mar 2018, 16:56
Asking for a friend to hear any real examples before 'doing a google'.....Small hobby club looking to get general insurance cover. They meet twice a week in a hall (who have limited cover) and the odd trip as a group. I think the issue is the outside chance of being sued for some freak accident to a member or visitor etc. Any club members with experiences ?

radar101
2nd Mar 2018, 17:33
Can your club affiliate to a blanket organisation who provide insurance cover to member clubs? That is how I get cover for my Choral Society - and also my stamp group (nasty things stamps!!)

SpringHeeledJack
2nd Mar 2018, 20:24
and also my stamp group (nasty things stamps!!)

Paper cuts!!! Nasty business.....

As to umbrella organisations, i'm not sure that there is one, but a great suggestion,

treadigraph
3rd Mar 2018, 07:38
Can your club affiliate to a blanket organisation who provide insurance cover to member clubs? That is how I get cover for my Choral Society - and also my stamp group (nasty things stamps!!)

That's why I am a member of the Cyclist's Touring Club, great 3rd party insurance for a small outlay each year.

SpringHeeledJack
3rd Mar 2018, 08:18
A solid organisation sir, but does it cover any mishaps coming back from the pub ? ;-)

treadigraph
3rd Mar 2018, 10:18
No, I've got pub-goer insurance for that. Actually, I am a member of CAMRA, I wonder if...

Donkey497
3rd Mar 2018, 20:27
Take yourself to a genuine Insurance Broker, if you can still find one, and have a chat. Most of the older business that know their trade usually have a suite of "off the peg" but "unusual circumstances" policies and underwriters that they can go to for cover and even if it's necessary to go for a wholly bespoke policy, it's not usually too expensive to go this route.

If you don't have anyone locally, or you're still having difficulty, PM me & I can put you in touch with a broker that I've done business with no behalf of a couple of very different clubs over the years.

parabellum
3rd Mar 2018, 21:19
What Donkey497 said. I would go a little further and suggest a Lloyds broker as they will have access to the specialist market underwriters at Lloyds and that may help to keep the price down!

charliegolf
3rd Mar 2018, 21:47
Documents - Commercial Express (http://www.commercialexpress.co.uk/documents/)

Under 'Liability'. Any good?

Allan Lupton
4th Mar 2018, 13:54
What Donkey497 said. I would go a little further and suggest a Lloyds broker as they will have access to the specialist market underwriters at Lloyds and that may help to keep the price down!
more to the point anything can be insured at Lloyds - though the price may reflect the number of customers and the risk!