District Personal Accident Policy

Verified accurate July 2010

Key Facts added 24/6/2006

Please read the key facts document from our insurers which is in PDF format and may be downloaded here.  

Clarification notes, added 28/05/2006

1. The policy is an umbrella contract between Sutton Winson Insurance (RIBI Brokers) and our District members.
2. The policy is for the benefit of individual members not District. It is therefore for every member, not Club Council, to decide whether the policy suits their purpose.
3. Only a Club on majority decision will be accepted for the cover. Individual members cannot be covered unless the Club votes to be included.
4. The cover afforded covers ALL Rotary meetings and events (including travel to such events) for a Rotarian up to the age of 80, but excluding Honorary members. Normally P/A insurance would expire at age 70.
5. The decision was made by both District Executive and District Council to proceed with the policy. We are one of two Districts who afford this contract, at present.
6. Because the District undertook to write the contract on an umbrella basis the annual premium is extremely good value. Should a Club take out a sole contract then the premium would equate to some £7/8 per member.
7. Rotarians are NOT COVERED FOR PERSONAL ACCIDENT BY ANY OTHER ROTARY INSURANCE, although members of the public are covered under third party insurance.

Original Notice

The District has arranged a personal accident policy for Rotarians when undertaking Rotary activities within the UK.

Not all clubs have subscribed to this policy, and you should check with your own club whether this policy applies to you. At the time of writing, 12 clubs have opted out, possibly because they have already made their own provision.

Any claims under the policy will need to be made via the District and any settlement will be paid to District for the benefit of the individual / beneficiary.

The policy does not cover anyone over the age of 85 and you are advised to make alternate arrangements.

An outline of the cover follows. The full policy in PDF format may be downloaded here.  

Policyholder

Rotary District 1220 including all clubs and members within the District

Business

Charity Organisation

Operative Time

Whilst attending Rotary Meetings and functions / events anywhere in the UK including commuting

Cover

In the event that an insured person (i.e. member of Rotary) sustaining boldily injury during the operative time in any policy period, Insurers will pay to the District compensation in accordance with the scale of benefits.

Provided always that in respect of any one insured person, compensation shall not be payable under more than one of the benefits 1 to 4 in respect of any one event.

Scale of benefits

* For this benefit to be paid, the person must be in gainful employment at the time of the incident.

+ For people not in gainful employment at the time of the incident, Insurers will pay £100 in respect of medical and ancillary expenses incurred following bodily injury.

Benefit Period:    52 weeks
Deferment Period:   Nil
Upper Age Limit:   85 years

Exclusions

Bodily Injury directly consequent upon:

• Committing or attempting to commit suicide or intentionally inflicting self injury
• Engaging in flying or other aerial activity except as a passenger
• Participating in any sport as a professional where earnings there from exceed 50% of annual salary
• Engaging in active service in any of the armed forces of any nation
• War within the Country of Nationality or Country of Domicile of the insured person