Member Insurance Information

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Insurance Applicability for Members

Membership Class Individual Riding Sanctioned Club Competition Sanctioned Club Social Activity
Dirtmaster (3-12 yo) 50% of Public Liability, Professional Indemnity and Personal Accident insurances Public Liability, Professional Indemnity and Personal Accident insurances Public Liability, Professional Indemnity and Personal Accident insurances
Junior (13 – 18 yo) 50% of Public Liability, Professional Indemnity and Personal Accident insurances Public Liability, Professional Indemnity and Personal Accident insurances Public Liability, Professional Indemnity and Personal Accident insurances
Senior (over 19 yo) 50% of Public Liability, Professional Indemnity and Personal Accident insurances Public Liability, Professional Indemnity and Personal Accident insurances Public Liability, Professional Indemnity and Personal Accident insurances
Day permit  Not Applicable Public Liability insurance and death benefit only Public Liability insurance and death benefit only
Participation Permit  Not Applicable Not Applicable Public Liability insurance and death benefit only
CA 50% of Public Liability, Professional Indemnity and Personal Accident insurances    

Individual Member Insurance Benefits

Capital Benefits Description Maximum Limits Member Permit
  Death $50,000, $10,000 in training, $10,000 for U18 Yes Yes
  Paraplegia or quadraplegia $100,000 Yes  
  various permanent disabilities $50,000 – sliding scale, refer to list Yes  
Personal Accident Description Maximum Limits Member Permit
  Non Medicare Medical Expenses 80% of expense to a max of $3000, $50 excess Yes  
  Loss of Earnings (full time wage earners) 75% of wages pw to a max of $500pw, 14 days excess, 52 weeks Yes  
  Student Assistance Benefit (tutoring, travel etc) $200pw, 7 days excess, 52 weeks Yes  
  Home help benefit $200pw, 7 days excess, 52 weeks Yes  
  Parents Inconvenience Allowance up to 100% of costs to a max of $1500 Yes  
  Funeral Benefit $5000 Yes  
  Rehabilitation Benefit $500 plus up to $3000 in registered training Yes  
  Bed Care Benefit $300pw, 7 days excess, 52 weeks Yes  
Public Liability Description Maximum Limits Member Permit
  This policy provides protection for members that are held liable for a negligent act that results in property damage or bodily injury anywhere in the world excluding USA & Canada. $20,000,000 in respect of any one occurrence arising out of the one event during the period of insurance. $0 excess for personal PL, $1000 for property PL. Cover is member to member and member to 3rd party Yes Yes
Products Liability Description Maximum Limits Member Permit
  This policy provides protection for members that are held liable for a negligent act that results in property damage or bodily injury anywhere in the world excluding USA & Canada. $20,000,000 in respect of any one occurrence during the period of insurance. Yes  
Professional Indemnity Description Maximum Limits Member Permit
  Provides indemnity to a coach or official including event managers and race directors if they are held liable for an error or incorrect advice which results in injury or property damage to a third party. $5,000,000, $1000 excess Qualified Coaches and Officials Only