INSURANCE COVER

Insurance cover for Trowbridge Swimming Club is through the Amateur Swimming Association (ASA). The ASA, in common with other Governing Bodies, recognises the importance of adequate insurance cover to apply at all levels within the Assoiciation. They have therefore arranged for those critical insurances to be part and parcel of affiliation to the ASA. Therefore by paying membership to the ASA, we are automatically provided with Personal Liability and Personal Aaccident Insurance cover which is through Sun Alliance Insurance Group. The following gives the relevant extracts from the Certificate of Insurance affecting all affiliated Swimming Club.

LIABILITY INSURANCE

Insured are the Association, Districts, Counties, Leagues and Clubs including all Officers, Staff, Coaches, Teachers, Members and Voluntary Helpers. The interests of Principals such as Pool or Leisure Centre Proprioters, Event Sponsors and the like is included in the insurance.

Cover	1	Civil Liability
		The Insurer will pay damages and legal costs arising from any claim in respect of any Civil Liability incurred by the Insured during the period of insurance, in accordance with the terms and conditions of policy number GA00201399
	2	Employers Liability (if required)
		Legal Liability to pay damages and court costs for injury to employees
		N.B. A separate special certificate needs to be displayed in the work place by law, if this cover is required, and this can be obtained by request from Perkins Slade Limited.
Limit of Indemnity	1.1	Civil Liability	£10,000,000
	1.2	Breach of Professional Duty	£10,000,000
	2	Employers Liability	£10,000,000

The limit of indemnity applies to any one event, except in relation to goods sold or supplied (products), where the limit applies to an aggregate of all events during any one period of insurance.

PERSONAL ACCIDENT INSURANCE

Insured are all bona fide members of affiliated clubs whilst participating in any activity of the Association, be it swimming, training, business or social, anywhere in the world.

Exceptions: Flying, other than as a passenger, Suicide, War Risks or the insured person undertaking sports against medical advice.

Cover - Accidental body injury which, within two years, is the sole cause of death, disablement or incurring of medical expenses in accordance with the terms and conditions of policy number PA00021224.

Benefits	1.	Death	£ 2,000
	2.	Loss of two or more limbs or both eyes or one of each	£30,000
	3.	a) Loss of one limb or eye	£30,000
		b) Permanent and total loss of speech	£30.000
		c) Permanent and total loss of hearing in both ears	£30,000
	4.	Permanent total disablement from gainful employment of any and every kind	£30,000
	5.	Medical expenses necessarily incurred in the treatment of the Insured person	£ 100

In respect of any insured person aged over 70, cover is restricted to benefits 1, 2, 3a, and 5 only.

Aircraft accumulation limit	£1,000,000	in the case of multi-engined aircraft
	£250,000	in the case of all other aircraft Director, Perkins Slade Ltd