FAQs for Groups

• Who is covered?
• Are there any policy excesses?
• What Insurance cover is provided to RDA Groups?
• The Groups employees and volunteers are included on the Liability policy, why do we need Employers’ Liability as well?
• We only have unpaid volunteers, why do we need Employers’ Liability Insurance?
• How do we obtain our Insurance Certificate?
• Are Groups insured for exercising horse and ponies outside RDA approved locations?
• Are Group fundraising activities covered?
• Are able bodied pony rides covered?
• What significant exclusions or limitations apply to the Liability policy?
• Does the cover include any legal expenses?
• Does the policy cover anyone who is not a UK resident?
• As a group are we insured to deliver sensory activities?
• As a group are we insured to hold open days at our location?
• As a Group we have a mechanical horse at our location, are we covered ?

Who is covered?

The Hiscox Liability policy is designed specifically to meet the needs of the RDA, its affiliated Groups, Trustees, Volunteers and Coaches/Instructors.

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Are there any policy excesses?

Yes, a £250 excess applies to any third party property damage claim.

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What Insurance cover is provided to RDA Groups?

The liability insurance includes cover for:

• Public & Products Liability - accicdental bodily injury to third parties and or damage to third party property
• Professional indemnity - losses arising out of errors and ommissions
• Libel & Slander - including defamation
• Abuse - protection for damages awarded against the group
• Legal defence costs
• Employers Liability - for damages and legal costs arising from death or injury caused to employees/volunteers
• Trustees indemnity - personal protection for trustees in respect of claims made against them relating to the management of the group
• Legal Expenses & helpline - provided by Arag plc, please refer to the Legal Expenses summary for details of the cover

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The Groups employees and volunteers are included on the Liability policy, why do we need Employers’ Liability as well?

If you have Liability Insurance the Group are insured for liability incurred by the employees and volunteers following their negligent acts. Employers Liability provides protection to the Group as an 'employer', in the event any of the volunteers or employees are injured during their duties and sues your Group for negligence.

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We only have unpaid volunteers, why do we need Employers’ Liability Insurance?

Under British Law you can still be called an employee even if you are not paid. Since 1st April 2013 Employers Liability cover is provided to all RDA Groups.

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How do we obtain our Insurance Certificate?

Insurance certificates are issued to the Group contacts April each year, providing the Group membership fee and insurance premium has been recieved by the RDA National Office.

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Are Groups insured for exercising horse and ponies outside RDA approved locations?

The exercising of RDA horses and ponies outside the approved location, by non-disabled riders is only insured under the RDA insurance scheme when certain conditions are met. More information...

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Are Group fundraising activities covered?

‘Low risk’ fundraising events are covered by the Hiscox Liability policy. Examples include coffee mornings, bring & buy sales, sponsored singing, BBQ's etc.