INFO 2013 - Scouts Victoria

i) loss of teeth 5,000 per toothii) capping of damaged teeth 5,000 per toothiii) damage to teeth not provided for in (ii) above 5,000 per accidentb) Milk or first teeth - loss of teeth 300 per toothc) Dentures and dental prostheses arising from an accidenti) Dentures 5,000 per toothii) Dental prostheses 10,000 per tooth31 Broken Bones Lump Sum BenefitsBenefits broken or fractured bones (due to injury only)a) Finger or toe, hand or foot 375 eachb) Arm, elbow, wrist, leg, ankle, knee (I) simple/compound fractures 750 eachc) Dislocations 375 eachd) Collarbone or breastbone 750 eache) Rib (one or more) 500 eachf) Shoulder, cheekbone, nose or jaw 750 eachg) Hip, skull, spine, neck, pelvis 3,000 each32 Overseas Medical Expenses payable due to injury or sickness (as defined) after claim is made upon privatehealth insurance or any other entitlement available to the Insured Person 10,00033 Rupture of internal organs (following an accident) 10,00034 Knee reconstruction 2,50035 Cost of returning ashes, remains and/or funeral costs allowance up to $5,000 following death as a result ofinjury or sickness (as defined) 5,000PUBLIC LIABILITY INSURANCEPeriod 30th November, 2012–2013The Scout Association has in place a Public and Products Liability Policy, which provides indemnity (protection) in respect of allScout Authorised Activities conducted by any Scout Group or other Formation within the Scout Association, including the Guideand Scout Water Activities Centre. The limit of indemnity is not less than $20,000,000 for any one occurrence. The indemnity isprovided in respect of personal injury or property damage suffered by a member of the public as a result of negligence on the partof the Scout Association or any member of the Scout Association which includes Leaders, Youth Members, Committee Membersand Voluntary Workers whilst acting with the approval, or consent of the Scout Association, or its authorised officers, orcertificated Leaders. The policy extends to include Scout Member to Member Liability which in effect provides indemnity for anymember of the Scout Association, should they be sued by any other member for negligence resulting in personal injury, or damageto property.TYPES OF RISKS COVERED:• Use of boats up to 8 metres in length,• Sale of food, drink or other goods,• Indemnities to Councils etc., under leased premises,• Use of hired equipment for Scouting activities.NEW OR UNUSUAL SCOUT EVENTS OR ACTIVITIES:Willis Australia Ltd must be advised of any unusual or new Scouting activity planned well in advance of the event date to ensurethat there is adequate insurance cover available. If the event planned is not within the scope of events normally covered by theInsurers, then Willis Australia Ltd may advise that an additional premium is required to be paid or that the event presents anunacceptable risk and can’t be insured.CONFIRMATION OF INSURANCE: (Certificate of Placement)Certificate of Placement forms are available from Willis Australia Ltd upon request but must be supported by an outline of theevent and proposed date/s so that these details can be added to your certificate. If an external organisation requires Scouts to signan event/activity application form then this too must also be forwarded to Willis Australia for review prior to signing.Confirmations are not necessary for Bunning’s sausage sizzles as Scouts are registered in the “Bunning’s Public Drive”. Adviseyour Bunning’s contact of this and they will be able to verify the currency of Scout Public Liability Insurance policy.To request a confirmation contact the Manager, Scout Insurance Scheme on 8681 9800, Toll Free 1800 335 014, Fax 8681 9881,email. confirmationofinsurance@vicscouts.asn.auMAKING A CLAIM:In the event of loss, damage or injury to Third Parties and/or their property:• Do Not admit liability – respectfully refer any inquiries to the Willis Scout Claims Department• Record details surrounding the incident and forward to Willis Scout Claims Department• Immediately forward any writ, summons or demand to Willis Scout Claims Department• Safeguard any equipment thought to be involved in the incidentHIRING – HALLS AND OTHER SCOUT PROPERTIESThe policy provides “Property Owners” indemnity for the Scout Association where outside organisations or members of thegeneral public hire our halls. This cover limits liability to incidents caused as a result of a fault or liability attached to theownership of the building and not for the activities being conducted by the party hiring the hall. The Scout Association’sinsurance does not extend to the provision of insurance protection to members of the general public or outside organisations inrelation to their property and legal liability exposures arising from the hire of our halls or campsites. Any proposed event41