< VVCC Insurance
Victorian Veteran Cycling Council
Latest VVCC News VVCC Events VVCC Race Results VVCC Aggregate VVCC Membership VVCC Rules VVCC Affiliated Clubs AVCC Insurance about us contact the VVCC
link to stste championships
upcoming events
 
Insurance
 

AVCC Insurance Cover

The following is a summary of the main points of coverage.

More information can be found on the Arthur J Gallagher website.

Download the latest Insurance Claim Form

Summary of Cover

The Insured
Australian Veterans Cycling Council Inc. (AVCC); All AVCC registered clubs and their members, volunteers, officials, umpires and adjudicators.

Geographical Limit
Worldwide

Sport | Business
The AVCC is the peak organisation for veterans cycling in Australia.

Period of Insurance
From 31 December 2014 to 31 December 2015 at 4.00pm and any subsequent period for which the insured shall have paid and The Insurer(s) shall have accepted the new premium.

Cover Details - Sports Injury

Insured Persons

Personal Accident – Members
For registered members of the AVCC, benefits are applicable to injury occurring during any and all bike riding activities 24hrs a day, unless the AVCC insured member is competing in an event / race that is not conducted under the endorsed protocols of the AVCC Inc.

Cover also includes staying away from home and travel to take part in a competition, game, performance, social function, training session or administrative activities.

Personal Accident – Volunteers
Engaged in administrative, fundraising or volunteer activities.
The competitions, games, performances, social functions, training sessions, administrative, fundraising or volunteer activities must be:
1. For your sport that is shown in the certificate; and
2. Arranged by you or by your business or sporting association.

Description of Benefits
Aggregate Limit of Liability - $5,000,000

Capital Benefits
The cover under this section provides $100,000 for death resulting from accident - except for training / social riding which is limited to $10,000. All other permanent disabilities are calculated using a percentage of the death benefit depending on the severity of the injury. For full details of these percentages, please refer to the Schedule of Capital Benefits contained in the policy wording.

Modification Expenses
The cover under this section provides for costs necessary up to a maximum of $10,000 to modify the Member’s home and/or motor vehicle, or relocating to a suitable home if they are entitled to 100% of the Capital Benefit.

Funeral Expenses
The cover under this section reimburses funeral costs up to a maximum of $5,000.

In Memoriam Benefit
The cover under this section provides for reasonable costs associated with observance of the death of a Member up to a maximum amount of $1,000.

Loss of Earnings
The cover under this section pays 100% of the Members actual weekly income, up to a maximum of $500 per week, subject to a 14 day deferral period. Please note that income earned from participating in the sport is not covered. The benefit will be paid for the period of the Disablement as certified by a registered medical practitioner or 52 weeks whichever is the lesser.

Home Help
The cover under this section reimburses 100% of the actual costs incurred for Home Help from a recognised and licensed Domestic Help Agency, up to a maximum of $500 per week and subject to a 14 day deferral period. The benefit will be paid for the period of the Disablement as certified by a registered medical practitioner or 52 weeks whichever is the lesser.

Parents Allowance
The cover under this section reimburses $25 per day in-patient benefit to a full time student under 25 years of age for continuous confinement in hospital because of an accident. The benefit is limited to $1,500.

Dependent Children’s Allowance
The cover under this section provides for reasonable costs incurred by the Dependent Children of a Member whilst the Member is undergoing medical treatment. The benefit is limited to $500.

Medical and Dental Costs
The cover under this section reimburses 80% of non-Medicare medical treatment including ambulance, hospital accommodation / theatre fees, orthotics, splints, prosthesis, treatments given by a dentist, chiropractor, masseur, naturopath, osteopath or physiotherapist. The maximum benefit for this section is $1,500. All treatment must be certified by a registered medical practitioner and not subject to any Medicare rebate. All claims are subject to a $50 excess if no private health cover. Any expenses must be incurred within 12 months of the insured person sustaining the injury.

Home Nursing Care
The cover under this section provides for nursing care provided by a registered nurse (not related to the Member) where they are confined to bed for a period of not less than 7 days if certified medically necessary. The maximum weekly benefit payable is $300 per week, and is subject to a 7 day deferral period. The benefit will be paid for the period of the Disablement as certified by a registered medical practitioner or 52 weeks whichever is the lesser.

Ancillary Non-Medical Expenses
The cover under this section provides for ancillary non-medical expenses (expenses related to medical treatment if certified as necessary. i.e. Expenses include items such as travel to receive treatment, but does not include wages lost by any person). The maximum payable under this benefit is $1,500.

Rehabilitation Benefits
The cover under this section provides for reimbursement of:
a) Tuition or advice fees from a vocational college if certified as necessary and agreed to. The maximum payable under this benefit is $3,000.
b) Rehabilitation expenses (e.g. gym membership) certified as necessary and agreed to. The maximum payable under this benefit is $500.

Unexpired Membership Reimbursement Benefit
The cover under this section provides for pro-rata refund of your club’s or association’s membership/registration fee from the date of injury if the Member can’t play for the rest of the season. The maximum payable under this benefit is $500.

Miscarriage and Premature Childbirth
The cover under this section provides for $2,500 compensation for Miscarriage and Premature Childbirth as a direct result of an Accident whilst participating.

HIV
The cover under this section provides for 10% of the Permanent Total Disability Benefit 1. as listed in the Schedule of Capital Benefits if contracted as a result of an Accident.

Kidnapping
The cover under this section provides for 10% of the Permanent Disability Benefit 1 as listed in the Schedule of Capital Benefits.

Exclusions Sports Injury – Section 1, What’s Not Covered (in addition to General Exclusions) pg 27. Point 2: Death disability or injury that is due to:

c) A heart condition, stroke or other cardiovascular condition the member is over 35 years of age.

This exclusion is removed and replaced with:
b) A heart condition, stroke or other cardiovascular condition.

Cover Details - Sports Liability

Scope of Cover

Agreed Scope of cover is as follows:
Liability Section – AVCC, Affiliated States and their Clubs and Volunteers
Legal liability for:

1. Property Damage
2. Personal Injury
3. Advertising Liability.

The property damage, personal injury or advertising liability happening during the period of insurance as the result of an occurrence that is connected with your club, league or association or in the conduct of the business. It can take place either in Australia or New Zealand and anywhere else in the world excluding USA and Canada whilst conducting normal business or club activities and adhering to club rules and by-laws.

Products Liability for:
1. Property Damage
2. Personal Injury

The property damage or personal injury must happen during the period of insurance as a result of an occurrence that is caused by your Products. They must be supplied by you in or from Australia.

Liability sections (LIA + PI) – Members | Participants.
For registered members of the AVCC, benefits are applicable to third party injury occurring during any and all bike riding activities 24hrs a day, unless the AVCC insured member is competing in an event / race that is not conducted under the endorsed protocols of the AVCC Inc.

Participant to Participant cover: Included

Cover Details

SECTION 1:    
Public Liability Any One Loss $20,000,000
Products Liability Any One Loss and In the Aggregate $20,000,000
Excess Each and Every Claim $1,000
     
SECTION 2:    
Professional Indemnity Any One Claim and in the Aggregate $5,000,000
Excess Each and Every Claim $1,000
     
Retroactive Date 31 December 2001  

Insurer:
Lloyd's of London

Exclusions

Significant Risks Exclusions, pg 6. Your insurer will not pay for:

A heart condition, stroke or other cardiovascular condition if the member is over 35 years of age.

Is removed and replaced with:

Your insurer will not pay for: A heart condition, stroke or other
cardiovascular condition

Additional conditions and exclusions to apply. Please review the full policy wording for details

 

 

 

Join the Vets
South Pacific Vets Championships
 
 
Latest News VVCC Events VVCC Race Results VVCC Aggregate VVCC Membership VVCC Race Rules VVCC Club Affiliates AVCC Insurance About Us Contact the VVCC Link to Facebook