COOLUM BEACH COMBINED PROBUS CLUB INC.

National Insurance Program

The following information comes from the Probus Club Handbook.

The National Insurance Programs in Australia provide coverage for approved activities. These activities include any event organised by a Club or Association such as meetings, outings, tours, trips and interest groups and provide coverage (subject to terms and conditions of the relevant policies) for all participants in approved Probus activities.

It provides cover for Public Liability, Personal Injury, Association Liability and Club Money Cover for approved Probus Club activities. While there is no restriction within the Australian National Insurance Program as to the length of Probus activities, it should be noted that the Program is not designed for extended trips and/or tours as it does not provide coverage for incidents that would normally be covered by travel insurance policies. Accordingly, members are encouraged to consider travel insurance for trips and/or tours that involve overnight stays.

The National Insurance Programs do not provide cover for illness.

There are no restrictions in either the National Insurance Programs that restrict car-pooling for approved Probus activities. The Australian National Insurance Program provides personal injury coverage for travel to and from Probus approved activities which includes meetings. This means that participants are covered, subject to the terms and conditions of the policy, during a trip to and from an approved Probus activity or meeting. This includes picking up and returning another member to their home or original pick-up point.

It is important to note that the Programs do not provide coverage for damage to a motor vehicle used in an approved Probus activity as any damage to the motor vehicle is expected to be covered by the vehicle’s insurance. It is also important that the owner of the vehicle understands that in the event of an accident where an excess may be required to be paid, this excess is not covered and is the responsibility of the vehicle’s owner and not the Club.

The Program does provide personal injury coverage in the event that a participant in an approved Probus activity is injured in a vehicle. However, consideration will be given to where the vehicle is registered, and coverage would be assessed by the insurer on a case by-case basis. When using a participant’s vehicle, as part of a Club’s risk assessment, Clubs should seek verbal assurance from the owner of the vehicle being used that the vehicle is in good roadworthy condition, appropriately registered and insured. The Club should also confirm that the driver has a current drivers’ licence.