Insurance – buying power means savings for groups
Requested by, and loved by our members, we started the Bulk Insurance Scheme in 2010. By negotiating directly with the insurance company we have been able to find huge savings (about $12000) each year on insurance for over 100 participating groups.
Standard policies provide public liability cover to $10 million and personal accident cover $10 million.
All policies start 1 April and groups must register their interest by early March each year, but preferably in January at the time of membership renewals (Memberships expire on the 31st of January each year).
Read more about insuring a group here:
Please read them and make sure you understand them before signing up for the insurance policy.
How much will the insurance cost?
It will vary each year, but in 2018 the cost was $130 for groups of 10 members or less and $390 for groups over 10. Not bad eh!
Even better, there are no out-of-pocket costs for the insurance if your group applies for the Landcare Assistance Program (LAP) grant at the same time as registering for insurance and paying for annual membership. To save on administrative tasks, we do not distribute the grant money and then invoice groups to pay for the insurance. Payment for your insurance is taken directly out of the Landcare Assistance Program (LAP) grant funds, and any remaining grant money is distributed among the groups to help you with other small running costs of your group.
How do I register my group for the scheme?
If you are a new group, or if you decide mid-year that you would like to join the insurance scheme, please contact us by calling our office (03) 6234 7117. If your group renewed their membership this year, it is possible that your group has already registered for the insurance, as the application this year was a simple check box on the membership renewal form.
Do I have to register each year?
Yes you will need to re-register each year. You will need to tick the check box on the annual membership renewal form in the Member's Toolbox to continue to insure your group each year. You will also need to have a current membership, and you need to apply for the LAP grant if you do not want any out of pocket expense for the insurance (To apply for the grant, tick the box for LAP grant on the membership renewal form).
Is my insurance cover continuous?
Yes, we submit the list of groups to the insurer in March each year, and we pay the insurance so there is no disruption to coverage.
How will my group know they are insured?
Once your group has paid the insurance premium a Certificate of Placement will be emailed to you (or posted if you request this).
Can I get a higher level of coverage?
Yes, it is possible to get a higher level however, there will be an extra cost for this service.
What if I need to make a claim?
It's important to let us know as soon as possible by phone or email. We will send you the claim forms and forward them on to the insurer.
What are the main restrictions?
- This insurance does not apply to certain excluded activities including shooting or baiting of animals, clearing or maintenance of fire breaks and/or scuba diving. If you undertake any of these activities please contact us immediately so we can review your cover accordingly.
- Cover does not apply to the operation of chainsaws unless the user has completed a certified
'operate and maintain chainsaws' course.
- Cover does not apply to an event or excursion which exceeds one day in duration or 500 attendees.
In this situation please contact us so we can arrange the necessary cover on your behalf, at an additional cost.
- Personal accident cover does not apply to persons over the age of eighty-five (85) years age.
- PLEASE READ the full policy disclosure to make sure this policy is right for your group