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Clubs & syndicates
Your membership to the Angling Trust includes insurance cover for many of your day-to-day activities as an angling club or syndicate. Please read on to find out what is covered.
Your insurance policy through the Angling Trust protects you, the business and your members for incidents arising from agreed recognised activities. The insurance includes elements of:
- Professional Indemnity
- Property insurance
- Public and Product Liability
- Employers’ Liability
- Personal Accident
- Directors and Officers (Management Liability)
- Abuse cover
The insurance covers any angling activities done in the UK and on temporary visits abroad. For visits to the USA and Canada, only temporary visits less than 90 days would be covered. Temporary visits outside the UK are only insured if the member is representing the club.
Who is insured?
- Club and syndicate officials (committee/board), members and any volunteers
- Day permit holders registered as temporary members, whilst undertaking their angling activity at your club for the duration of their permit are insured for Public Liability insurance only
- Junior members under the age of 12 must be accompanied by a responsible adult
Recognised activities list for clubs
The agreed activities that Howden and the Angling Trust have negotiated are these:
- Ownership and management of your land and waters, including general site maintenance (See important conditions about power tools and subcontractors)
- Day-to-day administration of the club
- Angling (includes all disciplines in freshwater or at sea, from land or watercraft)
- Casting including casting competitions
- Competitions
- Coaching by Angling Trust qualified coaches
- Use of boats/watercraft under 8m in length (provision /delivery of charter fishing is not insured)
- Launch and recovery of boats including the use of winches
- Role of bailiff
- Management of fish stocks
- Promotion and development of angling
- Coaching by Angling Trust registered coaches
- Provision of Day Ticket Permits – Club/Fishery insured as host, members insured whilst in attendance and the guest anglers/ permit holder are insured whilst attending on the day of their permit. Insurance Cover is only valid for the duration of the permit – Please note: the insurance only applies to members - The club or fishery must register their day permits as a day/temporary members those day permit holder temporary members will be insured for Public Liability insurance for the duration of their permit/temporary membership subject to the terms and conditions of the venue they are registering with. If they don’t register as a temporary member the liability insurance will not apply. The club/fishery will need to be able to identify those temporary members if a claim occurs.
- Events and social activities (but not bonfires and fireworks)
- Fundraising activities – (but not bouncy castles)
- Pest control (but not using firearms)
Recognised activities list for syndicates
- Ownership/management of lands and water for which the syndicate is responsible (See important conditions about power tools and subcontractors in our FAQ section)
- Administration of the syndicate and its members
- Use of boats/watercraft under 8m in length (provision /delivery of charter fishing is not insured)
- Management of fish stocks
- Role of bailiff
A summary of policy terms, conditions and exclusions can be found in your membership insurance summary issued by the Angling Trust. Full details of insurance cover provided is within the policy wording.
Clubs & syndicates insurance
Public & Products Liability with a limit of indemnity of up to £10m any one occurrence and in the aggregate in respect of Products Liability protecting the club/syndicate its members and club volunteers against your legal liability for bodily injury to third parties and damage to their property and includes defence for obstruction, loss of amenities, trespass, nuisance, or interference with any right of way, light air or water whilst undertaking the Angling Trust recognised activity
Where a member club, syndicate, fishery or federation operates a reservoir – a specific reservoir endorsement applies which is a condition which must be met for Liability insurance cover to apply. Please see your evidence of insurance supplied by Angling Trust.
Please note that with effect from the 24 August 2020 to 24 August 2022 a communicable disease exclusion applied to this section of the insurance policy.
Use of power tools
Insurers will not indemnify you for any legal Liability arising from the use of Power tools unless:
- Power tools are used as per the manufacturers guidelines
- Power tools are only used by competent Adult
- Power tools are to be securely locked away when not in use
- Use of chainsaws is permitted only by users wearing the appropriate PPE equipment.- IT IS STRONGLY RECOMMENDED THAT those using chainsaws should hold the appropriate qualifications
Use of subcontractors
If you are using subcontractors for example but not limited to maintenance of land or building works it is a condition of the insurance that all sub contractors engaged by you shall have in force Public Liability Insurance for third party bodily injury or damage to property with a minimum limit of indemnity of £5m throughout the duration of the contract with you. You must hold and retain documentary evidence of the insurance prior to the commencement of the any contract.
This section of the policy extends to include Abuse cover to a limit of £2,500,000 in the aggregate for any incident occurring after 25 July 2016. The person accused of abuse/abuser or those who permitted abuse are not insured.
It is essential that you have a safeguarding policy and procedures in place.
The extension is written on a claims made basis of cover. It is essential that any claims or circumstances that might give rise to a claim are notified during the policy period in accordance with the terms of the policy wording otherwise the right for indemnity under this insurance will be forfeited.
Where you operate with Juniors or Vulnerable persons you should be adopting and adhering to the Angling Trust Safeguarding Policies details can be found here for abuse insurance to be available.
A limited marine extension applies to this policy but there is no cover for the provision of Charter Fishing: Fishing from a vessel carrying a passenger or passengers for hire that are engaged in recreational fishing. The policy does provide coverage when fishing on a third party's Charter boat. Please see your evidence of insurance supplied by Angling Trust for full details.
Covered for a limit up to £10m protecting against affiliated members if held responsible for breach of professional duty arising from negligent act error or omission of a Qualified Person arising from their Angling Trust recognised Activity. This section includes a libel and slander extension.
This section is written on a claims made basis and is subject to retroactive date 25 July 2017. It is essential that any claims or circumstances that might give rise to a claim are notified during the policy period in accordance with the terms of the policy wording otherwise the right for indemnity under this insurance will be forfeited.
Covers the club, or committee if held liable for an injury that an employee suffers during the course of employment. The policy includes injuries to volunteers and the maximum limit of cover is £10million (limited to £5m in respect of Terrorism). This is a legal requirement for any club that employs people paid or unpaid.
Protection for the directors, officers, senior managers, committee members and trustees against claims arising from their decisions or actions taken whilst managing the club/syndicate.
Directors and officers Limit of Indemnity £5,000,000 in the aggregate.
Corporate Reimbursement Limit of Indemnity £5,000,000 in the aggregate – retroactive date 25 July 2017.
Excess £2,500 under Corporate Legal Liability section.
This section of the cover is written on a claims made basis and is subject to retroactive date 25 July 2017. It is essential that any claims or circumstances that might give rise to a claim are notified during the policy period in accordance with the terms of the policy wording otherwise the right for indemnity under this insurance will be forfeited.
Personal accident insurance which provides “no fault” benefits should an injury happen to an insured person whilst undertaking an activity as recognised under your Angling Trust insurance policy.
The benefits payable are as follows:
Item | Schedule of Benefits | Sum Insured |
1 | Accidental death | £5,000 |
2 | Permanent total loss of sight of one eye | £5,000 |
3 | Permanent total loss of sight of both eyes | £5,000 |
4 | Loss of one or more limb(s) | £5,000 |
5 | Permanent total loss of speech | £5,000 |
6 | Permanent total loss of hearing (a) in one ear (b) in both ears |
£1,250 £5,000 |
7 | Permanent total disablement Permanent partial disablement | £5,000 Covered |
8 | Temporary total disablement Excess period Benefit period | £50 per week 14 days 52 weeks |
9 | Temporary total disablement Weil's Disease (Leptospirosis) Excess period Benefit period | £50 per week 14 days 52 weeks |
Maximum Sums Insured | ||
| Maximum sums insured any one occurrence | £1,000,000 |
Category A | ||
Maximum sum insured in respect of items 1 to 7 | The sum insured | |
Maximum sum insured in respect of items 8 to 9 | The sum insured or 65% gross weekly wage (whichever is the lesser) | |
Additional Benefits | ||
10 | Medical expenses | Up to 25% of any claim amount paid under Section A items 1-8 up to a maximum payment of £10,000 |
11 | Coma benefit | £25 per day payable up to 26 weeks |
12 | Dental and optical expenses | Up to £250 |
13 | Hospital in-patient expenses (per day) | £25 per day payable up to 30 days |
14 | Personal effects | Up to £250 |
15 | Funeral expenses | Up to £5,000 |
Condition The benefits payable under this section will only respond should you be wearing a buoyancy aid or life jacket whilst aboard a watercraft | ||
Portable items section
Territorial Limits – UK
Club Equipment £2,000 (single article limit of £1,000 applies)
Club Trophies (per Club) £500
Excess: £150
We would highlight the following exclusions:
- Damage to the equipment unless in your care custody control at all times or otherwise secured in a locked hotel room or safe or other securely locked room or premises - evidence of forcible and violent entry or exit.
- Theft from unattended vehicles unless the item is out of sight in a locked boot or locked storage compartment.
Club Equipment Single Article Limit of £1,000
Money section
Money in Transit £5,000
Money on Business Premises (Working Hours) £5,000
Money on Business Premises (Outside Working Hours) £Not Insured
Money in Safe of Strongroom £5,000
Money in Personal Custody £ 500
Excess: £100
Fraud and Dishonesty
£5,000 total amount insured
Please note - loss by fraud or dishonesty of any individual partners, directors, employees, trustees, committee members or volunteers of yours, the loss must be notified to insurers within ten working days of its discovery by you for cover to apply.
Excess: Nil
