Insurance Offered By 4WD QLD
Insurance
Insurance background and policies
4WD Queensland currently obtain insurance through ARMA (Australian Recreational Motor Association) and we get a cut rate on insurance for affiliated clubs because of the large number of members. At present, we use ARMA and Marsh for our insurance which have 5 different policies with four policies under one document and the fifth under a voluntary worker’s cover document. The policy documents can be found on the 4WD Queensland website and have been emailed out to all clubs with your Certificate of Currency. (COC)
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2023-24 Combined Liability Policy Wording
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The other four areas covered under the main policy which include management liability covers all management of clubs for any issue that may arise in their club duties except fraud. There is general liability that covers any property damage or personal injury not covered by third party insurance. Also, there is professional Indemnity that covers training programs or claims against a club within those bounds. The policy covers “out of vehicle” claims that third party insurance will not, such as someone getting hurt running a snatch strap when they are out of the vehicle or using a chain saw, fires etc.
If an insurance claim is to be made
1. Advise the 4WD Queensland Insurance officer of the intended claim as soon as possible.
2. Gather all information regarding the claim. Lack of information will dramatically slow the process and will result in requests from the insurer for more detail. Lack of detail could result in a claim being denied. A fact sheet on doing this is on 4WD Queensland website with a best practice checklist for all trips.
3. If the incident relating to a potential claim requires legal advice, do not seek advice until you have spoken to the 4WD Queensland Insurance Officer unless it is urgently required. Insurance companies reserve the right to engage a legal practitioner for any claim should they wish to. This has been the hold up on both of the above insurance claims.
| What to do if a claim is to be made |
Visitors/Temporary members.
Furthermore, ARMA pays for extra memberships to cater for visitors under a temporary membership program. It is only for green level events or controlled events and covers those non-members and the club for all of the above which allows visitors to sample four wheel driving with clubs. Please mark the temporary members on your attendance sheet or use a separate sheet for them. There is far more risk involved with temporary members, so please spend some time with them on the trip overview about risk and the risk assessment you have done.
Risk assessment sheet.
Please ensure that you are using a risk assessment sheet. I would strongly advise club committees to either use the 4WD Queensland Risk assessment which has been vetted by ARMA and the insurance company or use the content in it to write your own. This document means more than any other document you use in the advent of a claim or legal action. This document is now on the website.
