CCPR Sports Scheme Combined Liability - Policy Summary

In order to comply with Financial Services Authority regulations Perkins Slade and the underwriter, Royal & Sun Alliance Insurance plc, require that the policy summary below should be provided along with the foregoing notes. It is a generic document that all National Representative Bodies that have access to the Civil Liability insurance policy are required to distribute to their members.
£5,000,000 is the minimum level of cover that is provided. The individual certificate of insurance and schedule held by the NCMD specify any variation from the generic policy and detail the (i) policy period, (ii) name of the insured, (iii) operative time and (iv) limit of indemnity etc. In the case of the NCMD the limit of indemnity for any one event is £10,000,000. See note below reviewing the policy.
The Primary Layer Civil Liability policy is an annually renewable Combined Liability insurance, underwritten by Royal & Sun Alliance Insurance plc.
This Policy is unique to Perkins Slade and provides indemnity against civil liability to pay damages in respect of claims arising out of the conduct of the Business made against the Insured and notified to the Company during the Period of Insurance.

Limits of Indemnity – Please refer to the Summary of Liability Cover

• Public Liability:
  Bodily injury or damage to third persons or property, e.g. to spectators or participants.
  
  
• Products:
  Legal liability arising out of products supplied, e.g. food and drink supplied at an event or equipment sold to your members.
  
  
• Professional Indemnity:
  Errors or omissions in advice given, e.g. inappropriate guidance on safety precautions.
  
  
• Officers and Officials:
  Protects against their own personal liability by reason of a wrongful act committed in their capacity as Officers of the Association, e.g. failure to provide appropriate insurance to affiliated players, coaches etc.
  
• Libel & Slander:
  For example your Association may issue a newsletter which contains defamatory material or it may be accused of discrimination. Our Policy will provide protection for the Association itself and will include its Directors and Officers, Employees, Committees and Volunteers automatically.

• Member to Member Cover;
  In certain circumstances cover may include member-to-member liability. This cover applies only when one Insured member brings a claim against another Insured member for legal liability.
  
  

• Employers Liability – Not Insured;
  
  
• Exclusions;
  The R&SA policy offers Worldwide cover but with limitations to USA & Canada and their territories as standard within the market place.
  
  
• Detecting in the USA and Canada ;
• Due to the claims culture and difference in legislation in the USA & Canada insurers restrict cover. 
• Cover is only available for teams visiting the USA or Canada who are representing their Country &/or Association. 
• Cover is available for individual members of NCMD visiting the USA or Canada at events officially recognised by NCMD.  It is not intended to cover members who go on holiday.  Any event in USA or Canada has to be approved and within the remit of NCMD.

• Visitors from outside Great Britain Northern Ireland the Channel Islands or Isle of Man ;
  The  policy is underwritten by a UK registered insurer and designed to cover UK Residents only.  This is standard practise.
  Visitors to the UK should have their own cover arranged in the same way as NCMD members are covered if they go on recognised events of the Association outside the UK.
  
  
• Note: Temporary residents of six months or more may be eligible for cover depending on circumstances. Please contact the General Secretary for more information.

Summary of Liability Cover :

Policy Terms and Conditions :

Metal Detecting Risk Assesment :

NCMD Constitution :

Please direct any questions to;

Trevor Austin
General secretary
National Council for Metal Detecting
51 Hilltop Gardens
Denaby
Doncaster
DN12 4SA