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Cover arranged by Meadons Insurance Brokers Ltd

 

 

 

 

 

  

 

                                                                                                                                                                                             ©Duncan.Harris.31.8.2013

Our Policy

Here at Owzat Insure we offer a comprehensive range of cover options for our customers.  We do not believe that clubs should be paying for covers that they do not require, or are not relevant to them as a club.  That is why we let our customers construct their own policy based on only the covers that they need.  We appreciate that every club across the country is unique, and that is why they need their own bespoke insurance policy.

Our customers can construct their own bespoke policy from the following different covers:

Buildings: Insure your Clubhouses, Outbuildings, Score boxes, Fences, Gates & Car parks under this section.  Cover is provided on an All Risks basis and there is a standard policy excess of £250.  Subsidence cover is available upon request with a excess of £1,000;

General Contents: Insure the general contents including Fixtures & fittings of the clubhouse & outbuildings under this section of the policy.  Cover is provided on an All Risks basis and there is a standard policy excess of £250;

Stock: If your club has general goods for sale including clothing, food & souvenirs then you would insure them under this section of cover.  Cover is provided on an All Risks basis and there is a standard policy excess of £250;

Wines, Spirits & Tobacco: If you club stocks any alcohol or tobacco then we would insure that under this section of the policy.  Cover is provided on an All Risks basis and there is a standard policy excess of £250;

Machinery, Plant & Equipment: Insure your Mowers, Rollers and any other machinery, plant or equipment that the club either own or are responsible for under this section.  Cover is provided on an All Risks basis with a standard excess of £250;

Business All Risks on Specialist equipment: Insure items that are kept out in the open or taken away from the clubs premises under this section, items include:

  • Cups & Trophies – Anywhere within the UK with a standard excess of £100;
  • Club bag – Anywhere within the UK with a standard excess of £100;
  • Non Turf Pitches – At the clubs premises with a standard excess of £100;
  • Netting & Poles – At the clubs premises with a standard excess of £100;
  • Sightscreens & Covers – At the clubs premises with a standard excess of £500;
  • Electronic Scoreboard – Anywhere within the UK with a standard excess of £100;
  • Bowling Machine – Anywhere within the UK with a standard excess of £100;
  • Cricket Square – At the clubs premises with a standard excess of £100;
  • Machinery / Equipment left in the open – At the clubs premises with a standard excess of £250.

Goods in Transit: If your club needs to transport goods across the UK then insure them under this section of cover.  Cover is available for Wines, Spirits & Tobacco goods, along with all other general goods.  There is a standard policy excess of £100;

Money and Assault: Insure any money the club has under this section.  Cover is also provided for assault against you or any employee aged between 16 & 75, including payments for death, loss or eyes or limbs & permanent & temporary total disablement;

Glass: Insure any internal or external glass at the clubs premises under this section.  Cover is provided with a NIL excess;

Frozen food: Insure against loss or ruin of frozen foods under this section of cover.  The standard policy excess is £50;

Fidelity Guarantee: If you wish to protect your club against the dishonest actions of employees then select this section of cover;

Business Interruption: If you wish to protect the revenue or Gross Profit of your club should they suffer a valid claim then select this section of cover.  Cover is provided over a period of 12 months with a standard excess of £100;

Loss of License: If you wish to protect against the reduction in value or lost revenue of the club, following the removal of your alcohol license then select this section of cover;

Public & Products Liability:  Select this section if you wish to protect your club from an act of negligence which causes injury to a Third Party, or causes damage to their property.  Our Public liability Insurance includes member to member liability, and has cover limits available of £2 million, £5 million & £10 million.  There is no excess for claims involving third party injury, claims involving property damage have a standard excess of £250;

Employers Liability: Select this section of cover if your club employs anyone.  It protects your club should any employee become injured during the course of their employment.  It is a legal requirement that you have this insurance if you employ anyone.  The cover limit provided under the policy is £10 million;

Directors and Officers Liability: If you wish to insure the personal liability of club secretaries or committee members of the club while performing their duties then select this section of cover.  Cover limits start from £100,000.

Personal Accident: If you want to provide all club members with a benefit should they become injured while partaking in club activities then select this section of cover.  Cover is extended to include players who are injured while playing cricket.  Payments include lump sums in the event of death, loss of eyes or limbs, and weekly payments in the event of temporary total disablement & partial total disablement.  Benefits also include payments for hospitalisation and physiotherapy costs, along with cover for damage to dentures and spectacles;

Terrorism: If you wish to insure your club against acts of terrorism then select this section of cover;

Legal Expenses: If you wish to cover legal costs if your club is involved in certain legal disputes then select this section of cover.  Cover is provided by ARAG plc & the policy has a Sum Insured of £100,000.  Insured Legal Disputes include: Employment disputes, Employment compensation, Representation for full and aspect ax enquiries, VAT appeals, Pursuing claims for property damage, nuisance and trespass, Compliance and regulation including defence of prosecutions, & contract and debt recovery.

The above descriptions are a brief outline of the covers provided.  Each section of cover has its own conditions and exclusions.  For full details of these refer to your policy documents.  The standard excesses stated above are what will generally be applied to the policy, however these can be increased subject to the underwriters decision of the clubs circumstances.  If you have any questions you would like to ask regarding the covers available then please contact the team on 01630 658455.

 

Document Downloads

Owzat Insure Policy Wording

Owzat Insure Policy Summary

Meadons Cricket Scheme Policy Wording

ARAG Legal Expenses Policy Document

ARAG Legal Expenses Summary

 

NOTE: For new policies taken out on or after the 1st February 2014 and existing policies renewed on or after 1st March 2014 then refer to the Owzat Policy Wording.  For existing policies whose renewal date falls after 1st March 2014, please refer to the Meadons Cricket Scheme Policy Wording.