5. MEMBERS INSURANCE

Please note that this is a summary of the covers provided only and does not reflect the full terms and conditions of this policy. Copies of this can be requested from Integro Insurance Brokers. See also the information on the BMFA Website.
5.1 Liability Insurance
The primary insurance cover provided by the BMFA for its members is Third Party Liability. This covers you, the flyer, against any liabilities you may incur during your model flying activities. Note that, as with any other third party insurance, this is NOT an automatic cover for the ‘injured party’. The person insured is the flyer and the policy will indemnify the flyer against any claim if negligence is proven whilst flying.
Cover is also provided for personal accident insurance covering permanent disablement along with cover for clubs for loss or damage to club equipment only.
Title
It covers the BMFA, its employed, elected and co-opted officers, their committees and all registered clubs and individual members of the BMFA.
Activities
It covers the normal and lawful pursuits of the Association and its registered members.
Note: Any form of flying for trade or commercial enterprises, whether paid or unpaid, is not covered by the basic policy (See ‘Exclusions’ and the section on ‘Model Traders Insurance’).
5.2 Indemnity Limits for the Third Party Public and Products Liability
£25,000,000 for any one claim, (in the aggregate in respect of Products Liability).
Territorial Limits
The whole of the UK and elsewhere in the world in respect of the Association’s officers and registered members temporarily abroad.
Note: Although the BMFA insurance cover is fully valid in the USA and Canada, you are required to inform the BMFA office if you intend to fly in those countries on your BMFA insurance.
Models Covered
(a) All classes of model aircraft of whatever size, weight or engine capacity (subject to compliance with CAA regulations) except as noted in ‘Exclusions’.
(b) Model boats and cars.
(c) Models powered by legal rocket propulsion systems up to and including ‘M’ size motors.
(d) Steam powered models except when used for passenger carrying purposes for hire or reward.
(e) Kites (subject to compliance with CAA regulations).
(f) First Person View RC flying provided it is carried out in accordance with CAA/BMFA regulations and recommendations.
Exclusions
(a) Any form of commercial or trade activities (whether paid or unpaid) including professional, semi-professional or sponsored display teams.
(b) Pulse jet powered models except as specified in the BMFA General Rules, Section 1.2.3.1, Reaction Motors, parts (1) and (2) as noted later in this handbook.
(c) Deliberately staged mid-air collisions at airshows and public displays.
Notes:
(i) Money paid to clubs by organisers of fetes, shows, etc, where the club is giving a demonstration does not constitute ‘professional use’.
(ii) The carrying of Company or Organisation names or logos on models does not constitute a ‘form of commercial or trade activity’.
Extensions
(a) Member-to-member liability is covered including damage to property belonging to fellow members.
(b) Indemnity is automatically extended to any Principals (Landowners, Schools, Local Authorities, Government Departments etc.) whose land or premises is used by any BMFA affiliated club or registered member.
(c) The Indemnity is extended to the Committee Members of any affiliated club and all lawful club activities are also indemnified.
(d) The reduced rate insurance cover available to juniors under the ‘Schools and Youth Groups’ membership scheme only applies when such juniors are flying under the supervision of their group leader(s). To obtain the full unlimited BMFA insurance cover, any such junior must become a full junior member of the BMFA.
(e) Indemnity is provided for paid flying instruction provided the conditions laid down by the Association are complied with (see ‘Flying Training Cover’ section).
(f) In the ‘Airside Cover’ special provision, indemnity is provided for members operating their private motor vehicle ‘airside’ on an airfield or aerodrome, in pursuit of any activity associated with model flying where the members own private motor vehicle policy makes a specific exclusion in this respect. A higher excess is applicable to any claim made under this special provision.
(g) Club indemnity is extended to cover first time visitors to a club who have no previous experience but are seeking to try out model flying prior to joining the BMFA and the Club. Indemnity under this ‘First Time Inexperienced Flyer’ provision will only be in place when flights are being totally organised and supervised by a suitable club member approved by the Club Committee. The limit of this indemnity is 3 separate day visits for any single inexperienced flyer.
(h) Club indemnity is extended to enable clubs to welcome model flyers from overseas countries to fly at their club sites during short visits to the UK. In the interest of promoting good international relations the BMFA will absorb the cost of providing this indemnity for a period not exceeding 30 consecutive days for any one overseas visitor in any single membership year. Club Secretaries are required to notify the BMFA, in advance, if this provision is required.
(i) Employer’s Liability Cover with a £10 million level of indemnity is provided to all affiliated clubs. This covers legal liabilities for damages and legal costs arising from death or injuries caused to employees in the course of their ‘employment’
The definition of 'employee’ in this context includes labour only sub-contractors and volunteers working within the club.
5.3 Conditions
(a) When dealing with the injured/third party you must not, under any circumstances, admit liability or make or agree any financial settlement with respect to any incident which might give rise to a claim under the policy.
However, when dealing with the BMFA and its insurer, you should provide a full and honest account of events, especially when filling in an incident report form.
(b) It is the duty of the insured to exercise reasonable care to see that their models are sound and in proper order and that all reasonable safeguards and precautions against accidents are provided and used.
5.4 Incident Reporting Procedure
(a) Prompt notification of all incidents / accidents that may result in a claim on the policy is essential. Initial telephone contact with the BMFA’s Leicester Office should be within 24 hours of the incident. Reports out of office hours will be recorded on the office answerphone.
(b) The Leicester office will supply you with an incident report form which will become the basis of an initial report of an incident to the Insurer if required. The office staff will give you any specific advice you need to help you complete this form.
(c) Regardless of how serious an incident may be, the reporting procedure outlined above will nearly always be adequate.
(d) It is important advice that, in the event of any incident that may have insurance implications, you should never admit any liability to any third party involved in the incident.
However, when completing the incident report form supplied by the BMFA office, it is essential that you provide a truthful account of events leading to the incident. If you believe that you have any responsibility or liability for the incident then you should declare this on the reporting form. Any declaration you make on the BMFA incident report form will NOT result in you being penalised in any way.
(e) The CAA has set out procedures for reporting more serious incidents in CAP 658 and these are set out in Section 21, later in this handbook together with more advice from the BMFA on the subject.
5.5 Operative Dates
The liability cover is effective from the date of joining until the end of the current membership year being the 31st December. Note that ‘date of joining’ means, for members of affiliated clubs, the date that payment is made to the club's BMFA contact and, for all others, the date payment is received at the Leicester office.
5.6 Certificates
Individual insurance certificates will be provided to all registered members of the Association from the Leicester office with their membership card. To maintain continuous cover it is vital that your membership renewal each year is prompt. Any changes to the personal information detailed on your certificate should be notified to the BMFA.
5.7 Product Liability
In any incident it is quite possible for blame to be attributed to a component or equipment failure which could well not be the responsibility of the flyer. The supplier of the component or equipment, who could possibly be a fellow member, could be held ultimately responsible and that could be you. Hence, product liability insurance is essential and it is a key element of the BMFA insurance protection.
5.8 Ministry Of Defence Indemnity and Flying On MoD Property
An exclusive feature of the BMFA insurance is the vital Crown Indemnity cover given to clubs and members flying on land owned by the Ministry of Defence (e.g. RAF airfields).
In order to fly on Ministry of Defence property you will require three things:
1. Third party insurance, as provided by the BMFA for its members.
2. Crown indemnity insurance which is a special cover provided by the Association and which is invoked as in 3) below.
3. A licence issued by Defence Estates (DE) which must be submitted to the BMFA for countersignature to the effect that the applicant is a BMFA affiliated club or member, thus invoking the special BMFA Crown Indemnity insurance cover.
Only BMFA members will be permitted to fly on the site and, since random military security checks operate, model flyers using MoD land must carry their card identifying them as BMFA members.
The formal procedures for obtaining access to MoD lands are contained in Defence Council Instructions and will be referred to by the Commanding Officer or the Defence Estate office concerned.
The BMFA's Leicester office is very familiar with the procedure and will provide help and the necessary documents when needed. BMFA Area officials may also be able to help and advise you on this subject.
5.9 Data, Development and Demonstration Membership Extension
The BMFA is pleased to provide an extension to Membership which includes additional
insurance cover for BMFA Members in respect of activity falling outside of the standard Sport and Recreational policy cover.
The Membership Extension provides public liability cover up to £25,000,000 through Mitsui Sumitomo Insurance Group and QBE Insurance for activity falling within:
DATA, DEVELOPMENT AND DEMONSTRATION COVER: Flights undertaken where the primary purpose is other than Sporting and Recreational, but where the pilot does not directly benefit financially as defined in Aerial Work. This includes the capturing of data including images and film footage, flights carried out for the purpose of product development, training/testing (other than in respect of the BMFA achievement schemes and sport and recreation), education and commercial demonstration including trade display flights).
This Membership Extension replaces the BMFA Commercial Traders Membership and also provides cover for:
• Trade stands at Exhibitions, Model Shows or Displays
• Demonstration flights at Exhibitions, Model Shows or Displays
• The flight of model airships at Exhibitions/shows
• The flying element of commercial flight training schools
5.10 Personal Accident Insurance
(a) Members of the BMFA between the ages of 3 and 85 are covered by a standard personal accident policy whilst participating in Association activities which include the building and flying of model aircraft for sport and recreational purposes as well as travel to and from the flying site.
(b) Personal Accident Cover is extended to cover first time visitors to a club who have no previous experience but who are seeking to try out model flying prior to joining the club and BMFA. Indemnity under this ‘First Time Inexperienced Flyer’ provision will only be in place when flights are being totally organised and supervised by a suitable club member approved by the Club Committee. The limit of this indemnity is 3 separate day visits for any single inexperienced flyer.
(c) Full details of this cover is available from the Leicester Office or direct from the BMFA's broker.
5.11 Travel Policy
BMFA members can take advantage of an enhanced travel policy for Worldwide travel whilst the primary aim of the travel is to fly model aircraft. For details of travel rates please see the BMFA website or contact Integro direct.
Members are able to buy cover themselves and it is set up as follows: -
• This would be non-advisory sale, although if required a member could telephone Integro for advice;
• Member to download form from website and send a cheque and form to Integro Insurance Brokers;
• ‘Receipt’ issued to confirm cover in place;
• Primary purpose of holiday has to be to fly, although family members can be included as well with costs shown as per person;
• Declaration will be kept by Integro and provided to BMFA as required;
• Any queries on members ‘purpose of trip’ to be referred to BMFA for consideration.
5.12 Club Equipment Insurance
The BMFA have arranged cover which protects individual clubs against loss or damage to club equipment at the club premises. The policy provides cover against loss or damage to club equipment such as club buildings and grass cutting equipment etc.
For details of current levels of indemnity and cover, please visit the website or contact the Office.
Please note that the cover provided by this policy excludes:-
• Individual club members’ equipment;
• Storm damage to open sided building;
• Theft or damage caused by attempted theft from any open sided building.
Theft Restriction
The policy does not cover damage caused directly or indirectly by or consisting of theft or attempted theft unless:
Involving entry to or exit from a building by forcible and violent means;
or:
As a result of or in connection with actual or threatened assault or violence or use of force at the premises against the insured or any employee of the insured or any other person lawfully on the premises.
Reasonable precautions
As we do not request risk information on each location, clubs must ensure they take reasonable precautions to protect their own property.
Members Property Exclusion
The cover provided by the policy specifically excludes any property belonging to individual club members.
5.13 Supplementary Items
Additional Insurance schemes are available directly from the BMFA’s Insurance Broker. These include:
(1) House and Contents insurance, which includes cover for model equipment whilst at home, in transit or whilst left unattended in a secured vehicle.
(2) Commercial Flyers Insurance which provides cover for aspects of commercial model flying such as aerial photography, survey work or flying training undertaken on a commercial basis.

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