As promised here is the latest update on Insurance - bearing in mind Peters
previous comments can you come to me direct rather than on the list if you
want to discuss further
Cheers
Mike
www.moorebooks.co.uk
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Subject: FW: Insurance
>
>
Subject: Insurance
>
> I attended a meeting of the NCA Training Committee on 21st December and an
> NCA Council Meeting on 11th January. I will look to report back on these
but
> I suspect that insurance is the most significant item and with Peter's
> e-mail in mind, I will cover this item on its own for now.
>
> The future for insurance remains somewhat unclear but it seems very
unlikely
> that insurance will be provided by BCRA after this year. The current
> intention is that the new national body for caving will be the insurance
> provider - there was nobody from Derbyshire Caving Association at the NCA
> Council Meeting and there was no mention as to whether they are still
happy
> to wind up their separate scheme but that was the intention at the October
> meeting.
>
> The proposal is that the new national body will have individual members as
> well as member clubs and that insurance will be on an individual basis,
> taken out individually or via a club. A membership card confirming
insurance
> cover will be issued to each individual - this will avoid multiple
insurance
> cover that currently exists for individuals who have membership of several
> clubs. There is also likely to be a class of membership described as
> 'insurance associate' for individuals who want insurance but no other
> benefits of membership.
>
> As matters stand, the new national structure will not be formally in place
> by October and the insurance cover from 1st October may well be via some
> interim measure or shadow structure. Insurance companies will not discuss
> rates until close to the insurance being due and the actual costs will
> probably not be known until August or even September but hopefully the
> stucture in which this will operate will be agreed.
>
> My own interpretation of these proposals is that while individual
insurance
> costs will increase, the cost to individuals with multi-club membership
will
> benefit. Part of the reason for increase in cost will be that the apparent
> number of insured person will decrease and the cost of insurance will be
> spread over less 'units'. Also I think that many clubs may need to
consider
> constitutional changes to separate insurance out of club membership.
>
> Insurance cover is often required for access to various mines (e.g. Milwr
> Tunnel) and clubs may need mechanisms (e.g. requiring that all members
have
> insurance) to allow club officers to be able to confirm that all members
are
> covered. Clearly there are various issues still to be resolved (e.g.
> temporary and probationary members - cover for land owners etc.).
>
> I will comment separately on the proposal for a new national body but it
> maybe useful to appreciate that insurance will be part and parcel of the
> membership - there would be a single payment by individuals or by clubs on
> behalf of individuals that would cover their membership of the national
body
> and membership of a regional caving council (or BRCA) and insurance.
>
> With regards to Peter's proposal, there maybe value to looking at this but
> personnally I doubt whether the underground aspect of insurance is that
> significant and that insurance for a smaller number of persons would be
> quite high. Also there could be a significant admin. task associated with
> the proposal.
>
> I will comment on the fuller proposals for the new national body later.
>
> Steve
>
>
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