There have been questions asked in respect of Insurance Cover on Trailers and Canoes. The following will be of assistance to your Group.
- Trailers are covered whilst contained on your Scout property as part of your Contents Cover under the Property Insurance. If cover is required for damage to the trailers whilst being used on the road they should be insured under the Scouts NSW trailer policy at a low premium. To obtain cover contact email@example.com with your registration number and scout group name. Some Comprehensive Motor Insurance Policies cover the trailer for a sub-limit but others only cover the Third Party Property Damage on the trailer. Bear in mind that most trailers are towed by volunteers who may not wish to claim against their policy because of excess or no claim bonus implications.
- Canoes are covered whilst contained on your Scout property as part of your Contents Cover under the Property Insurance. They are also covered under the Marine Transit Insurance whilst being transported. If you wish to obtain cover under the Marine Pleasurecraft policy (whilst on the water) please contact firstname.lastname@example.org with canoe details. required sum insured number and scout group name.
- Marine Transit insurance covers good whilst they are in transit (marine transit is an old insurance term but actually refers to insurance for goods that are in transit from one place to another by any means – i.e. road, rail, air, post, or sea). Scouts have declared “camping equipment” as the type of goods transported. A $300 excess applies to marine transit claims.
- Industrial Special Risks (ISR) (or also known as Property Damage) insurance covers Scouts NSW property and is endorsed to provide for General Property:
General Property (Portable Equipment) Extension
With respect to any portable equipment including but not limited to tents and associated scouting equipment, promotional banners, flags and stands, projectors, display boards, marquees, computers (including laptops, notebooks, tablets and palm pilots), cameras, mobile phones and other items of a similar nature such property is covered at the Insured Situation and beyond the premises at the Situation to anywhere in Australia including whilst in transit.