Thurrock

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OVERVIEW OF THE INSURANCE POLICIES PROVIDED BY THE THIRD AGE TRUST

Public and Products Liability - Aviva Insurance Limited – policy number 24988677CCI

This cover indemnifies all 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. Indemnity limit - £5,000,000 for any one incident. Excess -
£250 per claim.

Public & Products Liability Excess Layer - Ace European Group – policy number UKCASO 09446113

This policy provides a top-up of £5,000,000.

Money Cover - Aviva Insurance Limited – policy number 24988677CCI

This policy covers U3A cash held in members’ homes, hired premises and in transit. Limit - £1000. Excess -
zero.

All Risks Equipment Insurance - Aviva Insurance Limited – policy number 24988677CCI

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. Limit - £25,000. Excess -
£100.

Home Contents Cover - Aviva Insurance Limited – policy number 24988677CCI

This covers damage to the property of any U3A member whilst their home is being used to host a U3A interest
group/meeting. Limit - £25,000. Excess - £100.

Charity Indemnity Insurance - Aviva Insurance Limited – policy number 24988861CCI

This cover provides:

• indemnity for the legal liability of a trustee or the charity for loss which results from a wrongful
act when carrying out the duties of a trustee.

• investigation costs.

• indemnity for the legal liability of a trustee or the charity for the physical destruction of or
damage to documents.

• indemnity for any reasonable cost incurred as a result of restoring or replacing the documents. Limit
£500,000 any one group in the aggregate over the year and £3,000,000 in the aggregate for all groups
in any claims in one year. Excess - £250.

Tour Operators’ Liability - Royal Sun Alliance – policy number TOL499004

This policy consists of:

• 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.

• Legal Defence – which provides indemnity for costs arising and costs awarded in connection with
the defence of proceedings brought or an appeal against a conviction relating to an alleged
offence in the course of the business in respect of Part 11 of the Consumer Protection Act, the
Trade Descriptions Act 1968 and the Package, Travel, Package Holiday and Package Tour regulations
1992, where there has been no actual injury or damage. Limit - £100,000.

• Emergency legal assistance – which provides indemnity to the insured in respect of costs and
expenses incurred in providing emergency assistance to the passenger where such passenger suffers
bodily injury or in the event of the death of the passenger, the passenger’s legal personal
representatives. Limit - £5,000.

• Professional indemnity – which 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. This also
includes the cover required for ‘packages’ as defined in the Package Holiday Package Tour and
Package Travel Regulations 1992. Limit - £1,000,000. Excess - £250 on all sections. NB. This
insurance is to cover a group leader/co-ordinator who wants to arrange a short study trip for
his/her group, involving overnight accommodation. If you want to organise a U3A holiday, do it
through a bonded travel agent/tour operator.