Our insurance broker Grant Butters came to the shed on Tuesday, principally to discuss Tawe Nunnugah with us, but also to help clear up any other issues. LBT members commonly ask about the cover provided for them by the LBT in the case of accidents. Here is the summary we came up with.
If you are a member participating in (not working for) an LBT activity such as rowing or sailing there is NO cover provided for you by the LBT. The way to think of it is that as a member using ‘your’ facilities (the shed, the boats) it is up to you to provide your own cover. The principal reason that the LBT does not provide personal accident cover for participants is financial: we would have have to put up membership rates to cover it, and this would be unfair to the many members who are good supporters but are infrequent users of our resources.
The LBT has various other insurances, not described here, including public liability, boat third party, the shed and management liability. See http://bit.ly/2dafKOb for our insurance documentation.
Grant has provided a long explanation and tables with further details: see http://bit.ly/2dv3Y3J