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Introduction to the AERA Insurance Program
Aon Risk Solutions are AERA’s appointed insurance broker and the following notes have been produced to give members and clubs a summary of the cover provided but does not necessarily incorporate all the terms and conditions of the policy.
Cover has been structured based on AERA’s risk management procedures, rules and regulations and anyone acting outside these guidelines may prejudice their entitlement under the policy and be left uninsured.
It is imperative that accurate documentation be maintained by all covered persons and/or clubs to ensure protection under the policies outlined.
Australian Endurance Riders Association Inc (AERA) does not act as the Insurer’s agent and does not hold an Australian Financial Services License. AERA is therefore not authorised to provide you with any insurance advice so if you require any information about the insurance, please contact our broker, Aon Risk Solutions on 1800 806 493 or email them at equestrian@aon.com.au. Please note that Aon has arranged this insurance program on behalf of AERA.
REMINDER:All members should contact the AERA Insurance Officer, Sonia Ruprecht on (02) 6553 8640 in the first instance regarding all queries and claims.
The AERA Insurance Officer will make contact with AON as necessary.
About Aon
Who is Aon?
In Gaelic, Aon connotes unity. To our clients that means bringing together innovative professionals from around the globe into a single, unified organisation providing first rate service and business solutions.
Our name embodies the fact that we have a strong interdependent culture which fosters innovation. We work to bring our clients creative solutions, innovative technology and professional depth.
General Advice Warning
This information may be regarded as general advice. That is, your personal objectives, needs or financial situations were not taken into account when preparing this information. Accordingly, you should consider the appropriateness of any general advice we have given you, having regard to your own objectives, financial situation and needs before acting on it. Where the information relates to a particular financial product, you should obtain and consider the relevant product disclosure statement before making any decision to purchase that financial product.
Financial Services Notice
Aon’s Financial Services contains important information about the products and services we offer. It also explains how we, and our representatives, may be remunerated and contains details of conflicts of interest, and how we manage them, and our internal and external complaints handling procedures. Our Financial Services Guide is available at www.aon.com.au.
Aon Financial Services Guide (pdf)
Privacy Notice
Aon has always valued the privacy of personal information. When we collect, use, disclose or handle personal information, we will be bound by the Privacy Act 1988. If you would like a copy of our Privacy Policy, or wish to seek access to or correct the personal information we collected or disclosed about you , please telephone or email your Aon contact or access our website www.aon.com.au
Master Policy Notice
Where cover is provided under a master policy an aggregate limit may be applicable which is shared by all insured persons. This limit may be eroded or completely exhausted by claims made under the master policy by other insured persons covered under the master policy.
Contact Details
Freecall : 1800 806 493
Email: equestrian@aon.com.au
Reception: (08) 8301 1111
Facsimile: (08) 8301 1196
AERA Insurance Officer
Sonya Ruprecht PO Box 6627, Chatham NSW 2430
Phone (02) 6553 8640 Fax (02) 6553 8661
Email secretariat@nswera.asn.au
Other available benefits
The following insurance products are also available to members through our brokers, Aon. Refer below for further information.
Travel Insurance option for AERA Members
If you travelling overseas or interstate cover is available for such things as personal belongings and interstate or overseas medical expenses. The cover also extends to participation in recreational horse activities.
Horse Insurance
While no one likes to think about the potential risks associated with working with horses, regardless of whether it’s a job, hobby or passion, experienced horse owners know how quickly this investment can be lost as a result of sickness, injury or disease. Additionally, your most prized possession can also be your biggest liability. Individual horse owners place themselves and their assets at risk every time their horse comes in contact with people. Equine related lawsuits can have a crippling effect. Don’t head down the wrong path, let Aon help get you on the right track.
Aon Equine Multi-cover is a comprehensive policy developed to help ease your financial loss due to injury, illness or disease to your horse and can be extended to protect against loss through equine related law suits, injury to yourself, property damage and theft.
Equine Multi-cover Brochure | Equine Multi-cover Proposal form
Farm Insurance
To cover your home and contents, farm buildings for any accidental damage or accidental loss including that caused by the following: Landslide or subsidence, Storm, rainwater or wind, Electric motor(s) burning out, Burglary/Theft etc.
Farm Motor Vehicles, Horse Floats, Goosenecks, Horse Trucks
Comprehensive cover is available for all your farm, private or equestrian related vehicles.
Equestrian Club Property Insurance
All clubs have some form of contents, from normal furniture and fittings to portable arena’s, jumps, riding and/or other equipment. If these items where destroyed or stolen it would leave the club out of pocket if you had to replace them. Whether you own or lease your grounds makes no difference in the event of damage to improvements such as buildings, as replacing them would most probably be at the club’s expense.
Event Cancellation Insurance
Event Cancellation Insurance covers for the loss of costs and expenses, or revenues that result from the cancellation, abandonment, postponement, interruption or relocation of an event (in whole or in part) due to uncontrollable circumstances.
Considering the time and money it takes to plan an event, the risks to the bottom line are substantial. When disaster strikes, event cancellation insurance protects against the loss of costs and expenses or revenues for a small fraction of that exposure.
Event Cancellation insurance protects costs and expenses or revenues associated with an event, such as travel expenses, venue costs, ticket sales, advertising and sponsorship revenues, and more.
General Insurance
Contact the Aon Service Team for all your insurance needs.
Go To “Aon Service Team” details.
AERA Members
Australian Endurance Riders Association has implemented a public liability and personal accident policies to provide some protection to all of its members if they become injured through horse-related accidents. Benefits are automatically provided as part of your membership
AERA Affiliated Clubs/Rides
Australian Endurance Riders Association has implemented an insurance program consisting of public liability, directors and officers and voluntary workers personal accident policies to provide some protection it’s affiliated clubs and/or rides. Benefits are automatically provided as part of your affiliation.
Claims Procedures
Public/Products Liability - Claims Procedure
Under NO circumstances must liability be admitted either verbally or in writing.
Upon the happening of any incident likely to give rise to a claim, the following points must be noted:
- All reasonable steps should be taken following an accident or loss to protect the person or property from any further injury.
- Contact the AERA Insurance Officer to advise them of the incident and will arrange for an incident form to be sent to you. This must be completed promptly and returned to together with originals of all correspondence received from a third party and accompanying accounts.
- No correspondence should be entered into with a third party except acknowledgment of receipt of the claim. The acknowledgment letter should read as follows:
- "Without Prejudice" we acknowledge receipt of your correspondence concerning an incident at .............................
- This is receiving our attention.
- Do not give any interview or make any statement to a Loss Assessor or other person investigating any accident or damage unless such person is acting on behalf of your Insurer or Principal.
Association Liability Insurance - Claims Procedure
(Note: This Policy is written on a "Claims Made" basis)
Any incident which may give rise to a claim must be immediately reported to the AERA Insurance Officer.
1) upon indication or advice of any claim against a Director/Officer or Committee Member;
2) upon receipt of written notice from any party of a claim or of an intention to make a claim against any Director/Officer or Committee Member;
3) following the occurrence of any circumstance of which the insured becomes aware that may later give rise to a claim or claims.
Personal Accident – Claims Procedures
Any accident where a member or voluntary worker has been injured, it should be reported to the AERA Insurance Officer.
Risk Management
There are a number of benefits of an effective risk management program and all are equally important.
Firstly, when an insurance company assesses both the premium and the acceptance of a cover, the factors that control their decision are the class of risk and the claims experience of the client, in this case the Equine Industry as a whole, then more importantly each individual association such as AERA. It is not only the size of the claims but the frequency and number of claims which will be taken into consideration.
Secondly, serious injuries not only affect the injured person but can impact on their family and friends as well. We have seen examples in the media of the trauma that these people experience and the effect on their quality of life. The financial impact is only one part of the problem but the social impact on the community is far reaching.
Aon has arranged for an information kit to be forwarded to your club in an effort to assist in this process.
Members' Cover | Clubs' Cover | Insurance Certs. | PA Report | Non Member Remittance Form | Non Member Waiver