U3A Insurance - Indemnity
AVIVA INSURANCE LIMITED - POLICY NUMBER 100663285CCI
This cover indemnifies all U3A’s & U3A members against all sums you could become legally liable to pay as a result of:
Accidental injury to or death of any person.
Accidental loss or damage to material property not belonging to you, which arises or is caused in connection with the ‘business’ of U3As.
Principal exclusions
The use of motor vehicles in circumstances which require compulsory insurance under the Road Traffic Act.
Aircraft, aerial device or hovercraft.
Watercraft exceeding 8m in length.
Loss or damage to property in the control of the insured.
Extreme sports & high hazardous activities.
Limits
Public Liability £5,000,000 for any one incident.
Products Liability £5,000,000 all insured events in any one period.
Professional Indemnity £100,000.
Excess
£250 per claim.
PUBLIC & PRODUCTS LIABILITY EXCESS LAYER
CNA Insurance Company Limited - POLICY NUMBER P/XOC/10204
This policy provides an excess layer of £5m in excess of the £5m provided by the Aviva policy.
PUBLIC & PRODUCTS LIABILITY EXCESS LAYER
QBE Insurance (Europe) Limited – POLICY NUMBER P/XOQ/10456
This policy provides an excess layer of £10m in excess of the £10m provided by the Aviva and CAN policies.
MONEY COVER
AVIVA INSURANCE LIMITED – POLICY NUMBER 100663285CCI
This policy covers U3A cash held in members’ homes, hired premises and in transit.
Principal exclusions
Fraud and dishonesty.
Loss from unattended vehicles.
Shortages or errors.
Loss resulting from the use of a key or combination code from premises outside normal hours.
Limit £1,000.
Excess
Zero.
ALL RISKS EQUIPMENT INSURANCE
AVIVA INSURANCE LIMITED – POLICY NUMBER 100663285CCI
This policy provides cover for loss or damage to property owned by a U3A, excluding wear and tear depreciation and gradual deterioration, wherever it is held and in transit, providing due diligence is observed and reasonable precautions are taken to ensure it is stored securely.
Principal exclusions
Unexplained loss.
No signs of forced entry.
Limit
£25,000.
Excess
£150.
HOME CONTENTS COVER
AVIVA INSURANCE LIMITED – POLICY NUMBER 100663285CCI
This covers damage to the property of any U3A member whilst their home is being used to host a U3A interest group/meeting.
Principal exclusions
As above.
Limit
£25,000.
Excess
£150.
CYBER COVER
AVIVA INSURANCE LIMITED – POLICY NUMBER 100663285CCI
Data Security Breach
Virus, Hacking, Denial of Service Attack
Extortion
Business Interruption
External Cyber Crime
Network Security Liability
Data Privacy & Confidentiality Liability
Payment Card Industry Liability
Multimedia Liability
Limit
£250,000 in total during any one period of insurance.
Please note the cover is subject to certain processes and procedures being in force.
CHARITY INDEMNITY INSURANCE
AVIVA INSURANCE LIMITED – POLICY NUMBER 24988861CCI
This cover provides:
Indemnity for the legal liability of a trustee or officer or the charity for loss which results from a wrongful act when carrying out the duties of a trustee or officer.
Principal exclusions
Circumstances which you should have known about and were not disclosed to insurers.
Dishonesty and fraud.
An insured person who has gained personal profit to which they were not entitled.
Limit
£500,000 any one U3A in aggregate in a year and £3,000,000 in aggregate for all U3A claims in a year.
Excess
NIL. (£1,000 for claims against the Charity)
TOUR OPERATORS’ LIABILITY INSURANCE
CATLIN POLICY NUMBER TOL499004
This policy has been taken out to provide cover for a group who organise a short study trip which involves overnight accommodation and who may be deemed a tour operator.
Public and Products Liability – which provides indemnity against the legal liability for accidental injury to third parties or loss or damage to their material property arising in connection with the product/event.
Limit
£2,000,000 any one event.
Principal exclusions
The use of vehicles which require compulsory motor insurance under the Road Traffic Act.
Any craft with an engine designed to travel in or through water, air or space.
Professional indemnity – provides indemnity to the insured for the legal liability for damages and claimants’ costs and expenses in respect of claims arising for breach of professional duty by reason of neglect, error or omission occurring or committed in good faith when acting as a tour operator
Limit
£1,000,000.
Principal exclusions
Any claim arising from insolvency or bankruptcy of the insured or any tour operator or supplier of services.
Dishonesty, fraudulent act or mission.
Any claim or expenses resulting from the use of any mechanically propelled vehicle, aircraft or watercraft.
Excess
£250 (all sections).