The following notes are intended as a guide only. They are not intended as a substitute for the full details which are held by the Association and contain the full policy definitions, terms, conditions and exclusions.
The Association continues to provide Public Liability Insurance cover for its members.
The policy document can be found at www.ecclesiastical.com/ME866. Section 9, 10 & 13 apply.
Public Liability cover is limited to £5 million. Third party property damage excess is £250.
Products liability cover is limited to £5 million.
Cover 2 - Public & products liability - Condition of Cover
It is a condition of this insurance that inspection, adjustment and repair of the bells will be undertaken only by persons technically competent relating to engineering or church structures or if in the view of such qualified persons they are competent to perform the tasks allocated to them.
C4277 Safeguarding of vulnerable persons conditions
If YOU or any of YOUR EMPLOYED PERSONS or service providers work unsupervised with children or vulnerable adults or who have unsupervised access to children or vulnerable adults it is a CONDITION PRECEDENT TO LIABILITY that:-
(a) YOU, YOUR EMPLOYED PERSONS and service providers comply with YOUR safeguarding policy established for the protection of children and vulnerable adults
(b) YOUR written safeguarding policy is regularly reviewed (at least annually)
(c) all eligible persons working with children and vulnerable adults have undergone Disclosure and Barring Service (DBS) or equivalent checks at the level appropriate to their role prior to engagement in those duties
(d) All persons working with children and vulnerable adults receive formal induction training and regular (at least annually) update training on safeguarding.
C4093 Member to member Liability
It is agreed that if any claim is made upon any member of the INSURED by any other member and the claim is such that if made against YOU YOU would be entitled to indemnity under this policy WE will in the terms of and subject to the limitations of Cover 2 public liability indemnify the said member of the INSURED in respect of such claim
(a) such member is not entitled to indemnity under any other policy or policies
(b) such member shall as though he/she were the INSURED observe, fulfil and be subject to the terms, conditions and endorsements of the policy so far as they can apply.
What is the insurance that the YACR holds?
The YACR has public liability insurance for the Association, officers and members. This covers if any member is legally responsible for the loss or damage to someone else or their property
What membership is covered by the YACR Insurance?
The insurance covers all categories of membership; life, qualified, associate, non-resident member.
What is covered?
Members are covered for bell ringing, maintenance and fundraising events. Fundraising includes, for example, the use of halls for meetings and publicity and social events (including the use of mini-rings).
Am I covered while ringing on holiday?
The insurance only covers ringing activities within England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.
Am I covered while ringing peals?
The YACR rules require all the band to be a member of the YACR, therefore, the band is covered by the YACR insurance. If ringing peals on behalf of other societies you may be covered by that society insurance policy.
Am I covered while ringing quarter peals?
This would depend on the legal entity for the ringing. If ringing for service, or for the church you would be acting on behalf of the church and hence covered by their insurance. They may be circumstances where you will be covered by the YACR insurance.
Am I covered repairing or working on bells and bell frames?
Generally, this should be covered by the church's own insurance.
Am I covered for organising outings/events?
This would depend if the outing/event was organised as the tower or on behalf of the YACR. If organised as a tower you may be covered by your own church's insurance as acting on behalf of the PCC. YACR events are covered by the YACR insurance.
The Central Council of Church Bell Ringers has published guidelines which describe in detail insurance and bell ringing activities.