INSURANCE  - UPDATES

Following discussions with Perkins Slade the following additional information has been obtained:-

1. Insurance for participants on courses run by BAB Associations

(i)  Non BAB Students  

Any student unable to produce evidence of  current BAB insurance is required to obtain
the necessary insurance cover by taking out temporary membership, for the day, with a
BAB Association ( which in the majority of cases will be the body organising the event).

The Association may charge a fee for this facility to cover the actual cost of insurance (£1.40)
and to cover reasonable administrative costs. Details of the student are then entered on the
monthly BAB returns to Perkins Slade, in the normal way. An insurance certificate is NOT issued
to the student, as this might subsequently be used, by them, as documentation to erroneously
show that they were in individual membership of the BAB.
 
2. Non BAB Instructors 

The following applies to both British and overseas instructors.

Although these are not covered by the BAB’s existing policies, Perkins Slade would not be happy
for them to receive “Temporary cover” as this would only be valid for one day, and in the event
of  say injuries /complaints of techniques taught etc, arising later, then the BAB could be liable.

In these cases, it is acceptable for the course organisers to accept the Instructors own
current Insurance, provided that it is comparable to the BAB PI Instructor cover.  Because
Instructors are known in advance it is possible to check and clear the insurance in before
the event.


Perkins Slade have suggested that the Instructor be asked to obtain a “to whom it may concern”
letter from their insurers, setting out the extent of their Liability Insurance.

3. Cover for Older Members


(i) Students
From 1st April the upper age limit for PA insurance cover has been increased from 75 to 80 years
of age. However Permanent Total Disablement benefit only applies to members up to age 65
years, unless they are in full-time employment.


(ii) Instructors
There is no age limitation in respect of PI cover for BAB Instructors


(Issued by the Vice Chairman - April 2009)