Insurance Statutory Notice

Important: TO ENSURE YOUR CLUB AND MEMBERS ARE COVERED WITHIN GYMNASTICS AUSTRALIA'S NATIONAL RISK PROTECTION PROGRAM, PLEASE READ THE FOLLOWING IMPORTANT INFORMATION CAREFULLY.

Gymnastics Australia (GA) is not the insurer of the National Risk Protection Program.  GA facilitates a national program on behalf of its members via an insurance broker partner, Marsh Advantage.  It is the responsibility of all organisations taking part in the National Risk Protection Program (NRPP) to ensure that they are comfortable with the program, its coverage and its limitations.

Gymnastics Australia's National Risk Protection Program (the Program) includes a range of insurance products and services that apply to the following members of Gymnastics Australia and State Associations:

  1. GENERAL LIABILITY, PROFESSIONAL INDEMNITY and MANAGEMENT LIABILITY INSURANCE
    • General liability, Professional Indemnity and Management Liability cover is provided to affiliated clubs who, upon approval of 2022 Club Affiliation, have paid all applicable insurance premiums within the Program.
    • Clubs who were not affiliated in 2021:
      • Clubs who are approved and/or pay the premiums PRIOR to 31 March 2022, in accordance with State Association procedures, receive cover from 1 January 2022 to 31 March 2023. For example: a club that is approved on 15 February 2022 will be covered from 1 January 2022 to 31 March 2023.
      • Clubs who are approved and/or pay the premiums AFTER 31 March 2022 in accordance with State Association procedures will receive cover from the JOIN DATE* to 31 March 2023. For example: a club is approved or makes payment on 3 April 2022 will receive cover from 3 April 2022 to 31 March 2023.
    • Renewing Clubs who were affiliated in 2021:
      • are covered for 2021 affiliation until 31 March 2021
      • Clubs who are approved and/or pay the premiums PRIOR to 31 March 2022, in accordance with State Association procedures, receive cover from 31 March 2022 to 31 March 2023. For example: a club that is approved on 15 February 2022 will be covered from 31 March 2022 to 31 March 2023.
      • Clubs who are approved and/or pay the premiums AFTER 31 March 2022 in accordance with State Association procedures will receive cover from the JOIN DATE* to 31 March 2023. For example: a club is approved or makes payment on 3 April 2022 will receive cover from 3 April 2022 to 31 March 2023.
    • Clubs who DO NOT purchase Insurance through the Program (as per Section 6 of the Club Affiliation Form) will be excluded from General Liability, Professional Indemnity and Management Liability cover within the Policy Period. These clubs must comply with the National Insurance Minimum Requirements as outlined in Section 6 of the Club Affiliation Renewal form.
 
*Note: JOIN DATE refers to the nominated date of the club's affiliation approval. This date is nominated by the State/Territory Association  and recorded in Gymnastics Australia's National Database.

FOR VERIFICATION OF YOUR CLUB'S AFFILIATION STATUS PLEASE CONTACT YOUR STATE/TERRITORY ASSOCIATION

  1. PERSONAL ACCIDENT INSURANCE 
    • Personal Accident cover is only provided to members who are registered on Gymnastics Australia's National Database (GOL) in accordance with the National Membership Database Policy.
    • To ensure claims can be processed efficiently, clubs must ensure all participants in gymnastics programs are registered on the National Database (GOL) with all applicable details recorded accurately.
    • Personal Accident insurance premiums are built into Gymnastics Australia and State/Territory Association fees. Clubs are advised to ensure all fees are paid and receipted accordingly for all participants where applicable.
    • Personal Accident Insurance premiums are calculated and charged on a per member basis separate from GA’s national fees.  The two elements are combined into what has historically been referred to as the “flat fee”, but one figure is determined internally by Gymnastics Australia (at $12.33 per member for 2022) and the other is calculated based on the insurance market and the total pool of premiums for the National Risk Protection Program.

FOR FURTHER INFORMATION REGARDING PARTICIPANT REGISTRATION PROCEDURES PLEASE CONTACT YOUR STATE/TERRITORY ASSOCIATION

  1. REGISTRATION AND AFFILIATION ENQUIRIES, PLEASE CONTACT YOUR STATE/TERRITORY ASSOCIATION OR VISIT THE FOLLOWING WEBSITE:
    http://gymnastics.org.au/GA/Club_Development/State_Contacts/Ga/Club_Development/State_Club_Contacts.aspx 

  2. INSURANCE ENQUIRIES AND POLICY DETAILS
    PLEASE CONTACT Marsh Advantage:

Statutory Notice

A - YOUR DUTY OF DISCLOSURE - CONTRACTS OF GENERAL INSURANCE
Before you enter into a contract of general insurance with an Insurer, you have a duty, under the Insurance Contracts Act 1984, to tell  the Insurer anything you know, or could reasonably be expected to know, that may affect the Insurer's decision to insure you and on what terms.

You have this duty until the insurer agrees to insure you. You have the same duty before you renew, extend, vary or reinstate an insurance contract.

You do not need to tell the insurer anything that::
  • reduces the risk they insure you for; or
  • is common knowledge; or
  • they know or should know as an insurer; or
  • they waive your duty to tell them about.
If you do not tell the insurer something:
If you do not tell the insurer anything you are required to tell them, they may cancel your contract or reduce the amount they will pay you if you make a claim, or both.  If your failure to tell the insurer is fraudulent, they may refuse to pay a claim and treat the contract as if it never existed.

B - UTMOST GOOD FAITH
Every insurance contract is subject to the doctrine of utmost good faith, which requires that parties to the contract should act toward each other honestly and fairly, avoiding any attempt to deceive in assuming and performing contractual obligations.

Failure to do so on the part of the insured may permit the insurer to refuse to pay a claim or to cancel the policy or both.

C - NOT A RENEWABLE CONTRACT
Some policies terminate on the date indicated. We emphasise that such a policy is not a renewable contract. If you require similar insurance for any subsequent period, you will need to complete a new proposal so that terms of insurance and quotation/s can be prepared for your consideration prior to the termination of the current policy.

D - CHANGE OF RISK OR CIRCUMSTANCES
It is vital that you should advise us of any departure from your "normal" form of business (i.e. that which has already been conveyed to the Insurer). For example, acquisitions, changes in location, changes in GymSport or new activities.

E - CONTRACTUAL LIABILITY
You may prejudice your rights with regard to a claim if, without prior agreement from the Insurer, you make agreement with a third party that will prevent the Insurer from recovering the loss from that, or another party.

Your policy contains provisions that either exclude the Insurer from liability, or reduce their liability, if you have entered into any agreements that exclude your rights to recover damages from another party in relation to any loss, damage or destruction which would allow you to sustain a claim under this policy.