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Extract from the Competition Rules

2300     INSURANCE

2305   Each competitor in an Event shall be covered by the PDRC Public Liability Insurance.

2310   The premium for this insurance cover is payable at the same time as the annual membership fee.  See Consitution Section 4.

2315   The full annual premium is payable regardless of the period for which a membership fee is paid.

2320   The PDRC Insurance Policy shall not be substituted by other insurance policies regardless of their provisions.

2325   The premium shall be paid before a PDRC Competition Licence is issued or re-issued.

PUBLIC LIABILITY INSURANCE POLICY

Members are levied each year, as part of their annual membership fee, to cover the cost of the above.  The Club cannot operate without this cover.

Currently the Public Liability insurance levy is $100.00 per member per calendar year.  This covers $10,000,000 Public Liability and $10,000,000 Products Liability.

New members joining during the second half of the calendar year are still required to pay the full levy even though the Club membership fee is reduced by 50%. The PDRC has had no claims to date in its history

PDRC SICKNESS /ACCIDENT INSURANCE POLICY

Cover is secured on a per member basis for the above.

Members have the choice to avail themselves of this cover with an individual cost applying.

Currently the premium is $225.00 for a full season’s cover.

A Pro Rata payment  system applies to members requiring cover after the start on the policy date. 

BENEFITS

After a 14 day non liability period, $500 weekly benefit applies to a maximum of 52 weeks payments.

Death and Total Disability cover  is $50,000.

80% of non Medicare Covered Accounts applies – up to $2,000.

An Excess of $50.00 applies.  

This cover includes all sanctioned Club events including travel to and from with some restrictions.

If this number does not increase substantially next year our insurers have advised cover will not be offered as it will not be economically viable.