Insurance FAQs Ddocument This information outlines the insurance cover that the Third Age Trust holds for member u3as and some of the frequently asked questions around this
A person who is not yet a member, but is a "qualifying non-member" IS covered for two (or three) ‘taster’ sessions, for example at an interest group or monthly meeting.
Insurance covers pubic attendance to events, exhibitions, concerts & meetings.
Insurance does not cover personal accidents – i.e. if you damage yourself or your belongings.
DETAIL: U3a Public Liability Insurance indemnifies the policy holder (the u3a & its members) against compensation; which they can become legally liable to pay following injury or property damage sustained to others (members of the public) as a result of an activity. The most common issue is negligence. Cover includes equipment and legal activities but excludes any activity that uses an engine! [For example, if during a field trip a u3a member accidentally knocks another visitor into the canal – they are covered against claims by said damp individual] Public liability does not cover pure accidents where no legal liability has been established. [For example, if you fall in the canal and damage yourself and your smartphone – you are not covered by u3a insurance.]
Individuals requiring Personal Accident insurance should arrange cover independently. Some household policies may cover personal accident.
Insurance for Visitors: Four categories of “visitor” are also covered by the policy:-
Prospective members: of the U3A, attending a group activity to see if they like it, and would therefore like to join the U3A, and the group. Such prospective members are permitted to attend the group on no more than two (some info says three) occasions. Those not covered include children (who cannot join the u3a). [For example, if you take your grandchildren to walking group and they fall or are knocked by a u3a member into the canal – they are not covered by u3a insurance!] Casual visitors: being friends or family of existing group members, who would not normally be eligible to join the U3A. Casual visitors should only be invited subject to agreement with the Group Leader, who should ensure that no more than two (or three) visits are made in any twelve month period. A member’s carer: should the member need their carer in order for the member to participate in the group activity. In such a case the Group Coordinator should be kept fully informed. Outside speakers: attending a group as part of that group’s current activity.
In the strictest sense the u3a insurance only covers paid up members - individuals that want the benefit(s) of a u3a activity need to become permanent members: Being a casual visitor or prospective member does not allow for regular, frequent or repeat visits beyond what is outlined above. . However - underwriters accept that within an organisation the size and diversity of the u3a that there will be exceptions to this principle: the most common scenario being where an individual attends a couple of “taster” sessions before deciding if they want to join. Insurers also accept there maybe occasions where an individual volunteers to help the u3a, perhaps a spouse of a partner setting out some chairs for a u3a event or helping with an exhibition stand etc.
An individual can be granted a temporary membership, e.g., an individual who is prepared to give a talk on a subject but does so voluntarily and not in the course of their business or spouse/partner attending a group or trip. Temporary membership must not be abused. For example just to fill a coach trip etc, or to boost numbers to get the cost of an activity down etc.
Public attending a u3a event are “third parties”. Insurers accept that all u3as will stage various concerts, events & exhibitions etc where members of the public are invited. This is fine, and is different to participating in u3a activity.