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BCA INSURANCE – UPDATE

A note from Mike Wilson,      Hon. Treasurer

As you all should know by now we [the club] have been trying to set up an insurance scheme with the BCRA and all other clubs to remedy the fact that the old insurance company just ran away from us .

Last year was a bit messy but now the system has settled down and we all anticipate that it will run for many years to come .

As far as the BEC is concerned there are no problems. The extra cost is not excessive and the coverage remains the same as before [I keep a copy of the policy if anyone wishes to check it out].

With regard to payment it is vital that everyone pays their dues before the end of January so that we can submit a list of insured members to the BCA. Anyone paying late will make it very difficult for us, as the list has to be submitted at the latest by the date above. This system is far superior to the earlier one as each member is listed  and logged to be either insured for caving activities, or insured with another club, the people who have not requested insurance are not covered  for any caves requiring permits in the UK or abroad, digging activities on private land, or operating as guides or cave leaders. THIS MEANS ALL CUTHBERT’S LEADERS MUST HAVE  THE BCA INSURANCE !!!!.

Anyone who is a probationary member or has joined in the middle of the Club year can, if they wish, pay a proportionate sum to be insured i.e. 6 months into the club year 50% of the premium.

The BCA Policy is available on the net at www.british-caving.org.uk , for anyone who wishes to keep a copy for landowners etc.

We would like next years subs payment, [due next Oct /Jan 2006]  to include the insurance payment if required, at this moment in time the BCA state that the cost should be the same  i.e. £15.00 on top of the normal subs .This would assist Fiona and myself as we have to sort out the membership forms and pay the premium by the end of January.

Please note that you are covered for worldwide caving activities but not USA and CANADA. Also this is not a travel policy IT DOES NOT COVER MEDICAL EXPENSES OR RESCUE!!!!!!!! The indemnity limit is £2,000,000 and there is an excess for any claim. At the time of writing it is £2.500 .for normal caving incidents. I hope that this helps everyone understand fully the extent of cover which has been a bit vague in the past.