Insurance Information from CFT

A lot of queries come into us regarding our insurance policy so to help answer your queries we put the following questions to our insurance broker.
These are general answers to specific questions. You should refer to Alan Fischer if you require any clarification. Email:alan.fisher@nti.ie
Insurance Q's & A's
1.
Am I covered for Diving outside of my club activities ?
Amateur sports diving is covered outside the club. Does not cover liability for use of boats or for any semi-professional diving.
2.
Am I covered when diving abroad?
Yes up to 30 days a trip but only for court actions taken in irish courtsunder irish law.
3.
Can the club bring out a non members diving and if so are there any restrictions ie number of times, presence of instructor?
Visitors or trainees can be brought out twice without becoming members of club.After that they have to become club members and registered with CFT. Number of leaders instructors depends on CFT regulations for diving.
4.
Is the boat insured when I'm towing?
No cover for boat under PL insurance. Third party risk on trailer andboat is under motor insurance when attached to towing vehicle whether vehiclemoving or not
5.
Is the trailer insured at all times?
No trailer itself covered by marine insurance. Liability under motorinsurance when attached to vehicle and when detached in a public place.
6.
Are we insured to carry non club members?
Non members are treated as quests for two trips in club boats. Afterthat need to me members of club and registered.
7.
Is the boat insured on a mooring?
No cover for boat itself under PL policy, needs marine insurance
8.
Are items such as GPS, depth-sounders etc. insured?
No, needs marine insurance
9.
If the boat capsizes and gear is lost overboard, is the loss ofgear covered?
No needs marine insurance
10.
Is any personal gear covered?
No, not under Personal Liability and not under marine
11.
Is theft of boat covered?
Not under Personal Liability, needs marine cover
12.
What time of the year is my insurance due?
Due with CFT and club subs in January.
13.
When must new trainees pay there for their insurance?
After two lectures/pool sessions.
14
Are all club activities such as fund raisers e.g. a horse race night covered by my insurance ?
Yes, for PL insurance only.
15.
Are we non cft members covered to water ski off the back of club RIB's?
Not on PL, maybe under marine insurance arranged by clubs.
16.
What "extra's" does the new policy have to offer?
See separate details on proposed marine insurance
Answers apply to CFT Personal Liability insurance as of February 2007, they do not take Into account any cover provided under marine insurance by CFT or arranged by clubs.