Personal Injury Cover

Personal Injury Cover for Social / Sporting Club Members
(also referred to as Voluntary Workers Insurance)

The ARA offers Personal Injury Cover for Social/Sporting Club Members (ARA Members doing reenactment activities).

This cover is for ARA Members only. (Sorry, we don't offer this cover for non-members).

Personal Injury Cover is optional cover for those members who believe that they would benefit from having it. No-one is obliged to take it up if they don't want to.

A policy has been procured that is affordable and accessible to all members and offers good value for money.

The cost for Personal Injury Cover is $30 for the 2016 Calendar year.

  • Consider it this way:
    • 2016 ARA Membership (incl Public Liability Insurance) = $20
    • 2016 ARA Personal Injury Cover = $30
    • A total of $50 per year equates to less than $1 per week for all the cover you need.

Excess: from $1000

In the event that you need to make a claim against the Personal Injury Policy the excess to be paid is from $1000.

 

Scope of Cover: 
Personal lnjury Cover covers your re-enactment activities as an ARA Member where all safety procedures and precautions have been met as per:
  1. ARA Activities outlines and
  2. MAG activity outlines (which you submit to the ARA as part of your membership application if your MAG Activity Outlines diverge from ARA Activity guidelines).

Personal Injury Cover also includes direct uninterrupted travel to and from such activities.

 

PLEASE NOTE: HMB / ANML Activities are NOT covered by the Personal Injury Cover Policy

 

Benefits:

  • Death and Capital Benefits: $50,000

  • Weekly Accident Benefit: 85% of salary up to $500

  • Domestic Help/Student Tutorial $500 (26 weeks)

  • Non-Medicare Medical: 85% to a maximum of $1000 (incurs $50 excess)

 
Benefit Period for Income Earners:
  • Up to and including 58 years of age: Pays 104 weeks
  • 59-60 years: Pays to age 61
  • 61-65 years: Pays 52 weeks
  • 66-70 years: Pays 26 weeks
  • 71-80 years: NIL
 
Aggregate limit: $1,000,000
 
 

PAYING YOUR MEMBERSHIP AND INSURANCE FEES:

Details on how to pay your Membership and Insurance fees are on the Payments Page.