British Orienteering Insurance-FAQs
Why has British Orienteering changed insurance cover?
In 2007 the insurance cover used by British Orienteering changed from providing cover to
orienteering events to providing cover to members. That led to staff and officers battling with
the problem of providing cover to non-members participating in orienteering events. The
problem was two-fold, the administrative requirements placed on event organisers to record
non-member personal details and the additional premiums to be paid by non-members on an
event basis along with the problems associated with collecting these premiums. Towards the
end of 2007 we identified a broker and insurer who were prepared to work with us to find a
more acceptable solution to this problem.
What is British Orienteering insurance?
The most significant part of our insurance is the public liability insurance, not accident
insurance, injury insurance, medical insurance, travel insurance, motor insurance, property
insurance, cancellation insurance, health insurance, life insurance, insurance against loss,
theft or damage, or insurance against fraud or the misappropriation of funds. This is slightly
different to the Civil Liability cover provided previously.
The most significant difference between Civil and Public Liability insurance is that Civil Liability
insurance is written on a “Claims Made” basis whereas Public Liability is written on the wider
“Losses Occurring” basis.
In very simple terms, with a “Claims Made” wording the policy cover ends on the last day of
the policy period. Any incidents occurring during the policy period but reported after expiry of
the policy period, will not be covered.
A “Losses Occurring” wording is open ended. Whilst the wording requires that any incident
that may give rise to a claim is reported to underwriters as soon as practicable, failure to do so
does not invalidate the policy cover. A claim can occur several years after the policy has
expired, however, the policy in force at the tim