Somerset Federation of Gardening Clubs email: email@example.com
The Federation operates two insurance schemes, a Public Liability cover and a Cups and Trophies insurance. The cost to individual Clubs is extremely competitive because of the volume of business we have with the insurer. This is one of the greatest benefits of being a Member Club.
We feel that the Public Liability Insurance is important as we have been advised that accidents to the public, caused by the negligence of members, may be held to be the responsibility of the Club committee at the time, if no insurance had been taken out.
Public Liability Insurance
This includes all the normal public liability risks and in particular the following essential Gardening and Flower Show cover:-
The insurance is from November 1st to October 31st but Clubs may join at any time on payment of one year’s premium, which would cover them until October 31st of the year they join. Thereafter their next premium would cover them for the next full year.
Current premium price:
For up to £5 million cover £51.15 inclusive of Insurance Premium Tax
There is a Public Liability Insurance excess of £250 in the event of damage to rented or hired premises.
Click here to see the Exclusions for this policy.
Click here to see a note clarifying what the policy will and will not cover.
Cups and Trophies Insurance
This insurance has been arranged as many clubs have told us that they have been unable to get reasonable quotations and in many cases their insurers have refused to quote at all.
Our cups and trophies Insurance includes:-
Scratches and dents are not covered. The excess on this policy is £100. As in the Public Liability Insurance, the cover year runs from November to October but Clubs may join at any time.
The premium is £1.76 per £100 value including tax.
This is still extremely cheap even if your cups are only valued at a few hundred pounds.
Any cups or trophies valued at £1,250 or more must be listed.
Joining the Schemes
Any clubs who wish to join these schemes must be members of the Federation and should contact the Treasurer for details.
If you would like to join one or both of these schemes please do the following:-
For The Public Liability Scheme send a cheque to the Treasurer made out to the Federation for:-
£51.15 for up to £5 million cover
For The Cups and Trophies Scheme state their total value. Send a cheque to the Treasurer made out to the Somerset Federation of Gardening Clubs.
No other application form is required.
You are automatically covered seven days after we receive your cheque.
Public liability Insurance does not apply to liability in respect of:
This document should be kept with your policy.
Further clarifications of the Public Liability Insurance
This is an attempt to ensure that there is no misunderstanding about the cover provided by the P.L. Insurance Scheme.
Around 190 participating clubs have protected their Club Committee and members against paying damages for accidents for which the Club or its members are found negligent in a Court of Law. If someone sues the Club for damages and wins because the Court decides that the Club or its members were negligent then the Insurance Company will pay damages.
People can have accidents anywhere, even on official outings, so by joining the insurance scheme Clubs and members will be covered if accidents occur due to their negligence but not from accidents due to the negligence of another party. There is no cover for accidents where the Club and its members are not liable or negligent.
A few examples:
Cover is not provided unless the accident occurs at an official Club event or function. An accident which takes place on an official Club outing will be covered if negligence is proved against the Club in a Court of Law.
Cover is not provided if an accident occurs when a group of members decide to visit a garden on their own. If it is not on the Club fixtures list or recognized as an outing by the Club, the Club is not involved and is therefore not liable or negligent.
So the criterion is:
Negligence must be proved in a Court of Law against the Club or its members.
Accidents due to negligence of someone else are not covered.