Austria
Belgium
Denmark
Estonia
Finland
France
Germany
Greece
Iceland
Ireland
Italy
Liechtenstein
Netherland
Norway
Poland
Portugal
Spain
Sweden
Switzerland
Turkey
United Kingdom
Australia
Hong Kong
New Zealand
India
Indonesia
Japan
Malaysia
Philippines
Singapore
Thailand
Brazil
Chile
Colombia
Mexico
Peru
USA
Bahrain
Israel
Morocco
Oman
Saudi Arabia
Tanzania
UAE
RDAA Affiliated Centres
Personal Injury, Combined Liability & Management Liability
The RDAA insurance program provides coverage for all affiliated centres and eligible individuals under the following policies:
- Personal Accident/Injury
- Combined Liability (including Professional Indemnity)
- Management Liability
Management Liability
| What's covered | Management Liability insurance is designed to protect both the insured organisation and its management team against claims arising from alleged or actual wrongful acts. These may include:
|
| Where am I covered | Worldwide excluding claims brought or determined in the USA and Canada |
| Limit of Liability | $5,000,000 |
| Insured versus Insured | This Insurance does not cover claims brought by one Insured entity against another Insured entity. |
| Claims Made Policy | This policy is a “Claims Made Policy” meaning coverage is triggered when a claim is made during the policy period, regardless of when the incident occurred. If you become aware of any circumstances that may reasonably lead to a claim, it is essential to notify Howden in writing without delay to avoid compromising your entitlement under the policy. |
| Who is the insurer | AIG Australia Limited |
Public and Products Liability
| What's covered | Public Liability insurance is designed to protect insured entities against claims from third parties alleging personal injury or property damage resulting from the entity’s negligent acts or omissions. |
| Where am I covered | Worldwide excluding North America |
| Limit of Liability | $20,000,000 |
| Care, Custody & Control Sub-Limit | $250,000 |
| Excess | Personal Injury Claims – $2,500 Property Damage Claims - $2,500 |
| Who is the insurer | SLE Worldwide Australia Pty Limited |
Professional Indemnity
| What's covered | Professional Indemnity insurance provides supplementary protection for professionals offering advice or services. It is designed to cover insured individuals and entities against claims arising from alleged or actual acts, errors, or omissions that breach their professional duty in connection with their business activities. |
| Where am I covered | Worldwide excluding North America |
| Limit of Liability | $1,000,000 any one claim and $2,000,000 in the aggregate |
| Excess | $10,000 |
| Claims Made Policy | This policy is a “Claims Made Policy” meaning coverage is triggered when a claim is made during the policy period, regardless of when the incident occurred. If you become aware of any circumstances that may reasonably lead to a claim, it is essential to notify Howden in writing without delay to avoid compromising your entitlement under the policy. |
| Who is the insurer | SLE Worldwide Australia Pty Limited |
Personal Accident
| Insurer | Arch Underwriting at Lloyd's (Australia) Pty Ltd |
| Policy Period | 31/07/2025 – 31/07/2026 |
| Accidental Death | $50,000 |
| Paraplegia and Quadriplegia | $50,000 |
Non-Medicare Medical Expenses
| $3,000
|
Loss of Income
| $500 Per Week
|
| Fractured Bones Benefit | $2,000 |
| Dental | $750 |
| Bed Care Benefit | $750 per week (up to 26 weeks) |
| Out of Pocket Expenses | $250 per week (up to 26 weeks) |
| Domestic Duties Assistance | $500 per week (up to 52 weeks) |
The above provides a summary of cover only. For more detailed information about policy conditions and full benefits please refer to the Policy Schedule and Wording. This can be accessed in the important documents section.
Frequently Asked Questions
Participants, Coaches, Officials & Volunteers
Non-Medicare Medical Expenses typically include private hospital accommodation, Dental, Physiotherapy, Chiropractor and Osteopathy related expenses.
Common examples of Medicare items not claimable under the policy include Doctor/General Practitioner fees, public hospital admission, surgical fees, X-rays and Anaesthetist fees.
MRI scans are typically covered by Medicare, however, please check with your treating Doctor as in some cases, the provider may not be registered with Medicare.
The Health Insurance Act 1973 (Cth) does not permit your personal accident insurer to contribute to any charges covered, or partially covered by Medicare.
Sometimes, your doctor, specialist or surgeon may charge more than the Medicare rebate for services. This may leave you with out-of-pocket expenses which are commonly referred to as the “Medicare Gap”. Please note the Medicare Gap is not covered under the Personal Accident Insurance Program.
There is a weekly injury benefit on the policy of up to $500 per week subject to Policy terms and conditions.
The maximum weekly injury benefit period is 52 weeks. The Policy is subject to a 7 day excess period (commonly referred to as a waiting period).
Yes, you are required to pay for your medical expenses upfront and seek subsequent reimbursement under the Policy.
Please ensure that you keep all receipts for these expenses to include within your claim submission. Upon approval of your claim, you will be reimbursed.
We recommend lodging your claim as soon as possible to expedite the reimbursement process.
Upon submission, the insurer will issue a claim number. This number will be used for the ongoing reimbursement of funds as expenses are incurred for the injury.
If you are not fully satisfied with our services, please talk to your account manager and advise us of your complaint.
If you remain unsatisfied with the way your concern has been dealt with, you may request a review of your complaint through our internal dispute resolution process by contacting our Complaints Officer at:
- Phone: 1300 904 503
- Email:[email protected]
- Writing: Level 23, 20 Bond Street, Sydney, NSW 2000
- Or by speaking to any representative of our business who will refer you to the Complaints Officer.
Frequently Asked Questions
Centres
Cover is obtained through affiliation with your state or territory Member Association. Each Member Association has their own unique membership structure and you should discuss with your local Member Association to determine which option is right for you.
Under the national program, coverage extends to cover your Personal Accident, Combined Liability (Public & Products Liability and Professional Indemnity) and Management Liability Policies.
Club fundraising activities are automatically covered under the National Insurance Program subject to policy terms and conditions.
If alcohol, 4WD rallies, jumping castles, water sports, aircraft, fireworks, amusement rides, large crowds or events involving security personnel (or any high risk activities) are involved please contact your dedicated Howden broker or RDAA member as these activities will need to be disclosed to the Insurer and coverage confirmed.
No. Should you wish to source building and content cover for your club, please contact Howden.
No. Councils cannot be noted as a named Insured on the Policy. They can be listed as an interested party on Certificates of Currency, which is a legal document that demonstrates you have Public Liability Insurance.
Howden can provide this upon request, along with other interested parties as required.
