Have you got insurance?

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#1 Post by **inigo** » Wed Feb 07, 2007 1:59 pm

Couple of questions about insurance. I was thinking of getting one, maybe by becoming a club member. I read that members of the Sea-Angling-Ireland SAC get the IFSA insurance, but I just can't find any info on it at all. Can anyone tell me where to find it or what/who/when/where it covers roughly?

Since I'm not interested in competitions, will I get this insurance if I join Sea-Angling-Ireland SAC as an associate member?

Last one, do you have any other insurance to cover you, maybe one exclusive for angling? One that would pay for boats/choppers if I decide to
go for a bath?

Cheers!

#2 Post by **donal domeney** » Wed Feb 07, 2007 3:20 pm

The ifsa insurance is a basic 3rd. party policy and will only cover official club competitions. There is more to it but I think this answers most of your points.

#3 Post by jd » Wed Feb 07, 2007 3:25 pm

inigo wrote:?

Since I'm not interested in competitions, will I get this insurance if I join Sea-Angling-Ireland SAC as an associate member?

Cheers!

No. Associate membershpo is meant for people who want to support the club, not members who fish..

#4 Post by **g.wyse** » Wed Feb 07, 2007 3:31 pm

jd wrote:
No. Associate membershpo is meant for people who want to support the club, not members who fish..

.....
As one of the cheap skates who opted for associate membership :oops: :lol: ,can i attend meets on an informal basis (fish next to the experts :roll: )i think this was answered before but it might clear things up for anyone else interested in supporting the club but who have membership with a local club :?: and may not want to pay for full membership....

#5 Post by **stevecrow74** » Wed Feb 07, 2007 3:32 pm

club insurance has always been a grey area.. in what it covers and what it doesnt..

you have to be a full paid member of a club to avail of the club insurance... and it only covers club events i.e. competitions and outings (also club meetings)

as for club boat trips, it only covers you to the end of the pier, as soon as you step into a charter boat you are covered by their insurance...

you are not covered if you are fishing alone or with club members if it is not official club business i.e. comp, outing, meeting...

the insurance from my understanding of it also covers you going directly to and coming directly from official club business (any calls into a pub either direction.. void cover)

insurance covers personal injury and equipment damage, from the date joined to the and of that year, during club official business and where the club is holding its business and going to and home from club business..

there is still alot of grey area... but that is my understanding of it from reading club insurance policy

#6 Post by jd » Wed Feb 07, 2007 3:36 pm

g.wyse wrote:
jd wrote:
No. Associate membershpo is meant for people who want to support the club, not members who fish..
.....
As one of the cheap skates who opted for associate membership :oops: :lol: ,can i attend meets on an informal basis (fish next to the experts :roll: )i think this was answered before but it might clear things up for anyone else interested in supporting the club but who have membership with a local club :?: and may not want to pay for full membership....

You cannot fish a club event as you won't be covered by insurance.
jd

#7 Post by **stevecrow74** » Wed Feb 07, 2007 3:42 pm

jd wrote:You cannot fish a club event as you won't be covered by insurance.
jd

it is possible to fish a club event, but it involves a bit of paperwork.. and setting up a day membership.. this is where the entry fee is paid plus a nominal fee for a day membership to be covered...

but as i said its alot of paperwork and alot of clubs opt out of this option because of that...

#8 Post by **donal domeney** » Wed Feb 07, 2007 3:46 pm

There are ongoing meetings taking place within the Federation re insurance. If you contact your club secretery they will keep you up todate.

#9 Post by **donal domeney** » Wed Feb 07, 2007 3:51 pm

stevecrow74 wrote:
jd wrote:You cannot fish a club event as you won't be covered by insurance.
jd

it is possible to fish a club event, but it involves a bit of paperwork.. and setting up a day membership.. this is where the entry fee is paid plus a nominal fee for a day membership to be covered...

but as i said its alot of paperwork and alot of clubs opt out of this option because of that...

It's called a visitors day card it costs €20 with a brakedown of €5 to the club, €5 to the provencial council and €10 to the federation plus whatever the entry feeis on the day.

#10 Post by **inigo** » Wed Feb 07, 2007 5:07 pm

Thanks for the replies. The club's insurance doesn't seem to be what I was looking for. I'll try and explain. In Spain you can get insurance that would cover you in case you have an accident when fishing. This one alone can cost around 40 euro for a year. Depending on the terms, it can cover rescue missions, broken/lost gear, time off work, or more serious stuff I don't even want to mention. Sometimes it can be included in the home or health insurance. And it would cover all sorts of recreational fishing, whether from shore or boat, even abroad. As far as I know, when you register with a club you are automatically insured because it's one of the requirements to be a properly recognised club. And you are covered even if you go with a couple of friends and there's no competition.

I've made some enquires to insurance companies here in Ireland. I'll let you know the answers. In the mean time, if anyone has one of these I'd like to know something about it.

Thanks again.

ckpainters · #11 Post by **ckpainters** » Wed Feb 07, 2007 10:01 pm

On the subject can i gety insurance to cover my gear in the home and when out fishing.

Colin

#12 Post by **fishinmidget** » Wed Feb 07, 2007 10:05 pm

i was about ask the same........

#13 Post by **stevecrow74** » Wed Feb 07, 2007 10:09 pm

kleeneze wrote:On the subject can i gety insurance to cover my gear in the home and when out fishing.

Colin

should be covered in home contents insurance... not a 100% about while in use though

#14 Post by **phanover** » Wed Feb 07, 2007 11:41 pm

jd wrote:
You cannot fish a club event as you won't be covered by insurance.
jd

jd,

I don't know about what other associates thought, but it comes as a bit of a shock to me that I can't fish the club competitions! As a full member of another ifsa affiliated club, I took the associate member option because I just wanted to fish a few comps for fun and thought that I would be covered as an ifsa member (e.g. like in an open comp situation). Also, insurance issues aside, my understanding was that associate membership entitled me to fish in SAI comps, but not be eligible for master angler or have voting rights. This was based on the info on the following page http://www.sea-angling-ireland.org/joinSAC.html

Can you clarify this please?

#15 Post by jd » Thu Feb 08, 2007 12:11 am

It is a bit messy, as closed/confined comps are limited in the number of clubs that may take part, and the ifsa have to be notified.
We are looking at this, but we cannot expose competition organisers to liability.

jd

#16 Post by **Mohawk** » Thu Feb 08, 2007 3:05 am

stevecrow74 wrote:club insurance has always been a grey area.. in what it covers and what it doesnt..

as for club boat trips, it only covers you to the end of the pier, as soon as you step into a charter boat you are covered by their insurance...

there is still alot of grey area... but that is my understanding of it from reading club insurance policy

Hi All,

Just to throw another spanner in the works of the gray areas of insurance, a charter boats insurance will not cover you if the accident involves your own equipment for example if you cut yourself using your own knife or if you trip over your own rod or a rod not belonging to the boat. Tackle boxes are also a danger not covered.

It may also come as a surprise to most but it is not a legal requirement to have insurance on a charter boat in Ireland so some may not. It is up to you to ask the skipper when booking the boat.

Jim

#17 Post by **petekd** » Thu Feb 08, 2007 8:48 am

How do Jim, welcome to the darkside BTW :wink: . What you say there is incredible.... I would have thought that anyone dealing with the general public through their business would have to have some form of public liability insurance? I'm not doubting what you're saying, its just raised a point that I wouldnt have thought too many of us were aware of. So even Licensed charter boats aren't necessarily insured?

teacher · #18 Post by **teacher** » Thu Feb 08, 2007 8:57 am

inigo wrote:Depending on the terms, it can cover rescue missions, broken/lost gear, time off work, or more serious stuff I don't even want to mention.

I assumed rescue missions were provided by the state :?

As for the other stuff, wouldn't it mostly be covered by other forms of insurance (health, prsi, death-in-service :shock:, ...)

#19 Post by **Mohawk** » Thu Feb 08, 2007 10:43 am

Here is some more food for thought!

Just curious, can anyone answer what happens in the following very possible scenarios if the club insurance doesn't cover you beyond the end of the pier?

Say a large competition is being hosted by a club where several boats are alongside a pier at one time which is very often the case. What happens if someone falls on or between the boats on their way across the boats to get to one of the outer boats. The injured party not being one of the (up to 12) passengers or (2) crew of any of the inside boats will definitely not be covered by their policies, The pier is used at your own risk as stated on the legal notices posted on most piers so the port authority's insurance will not cover you.

It is also against the law to have more than the stated amount of passengers and crew on board a charter boat at any time this means if the inside boat has his full compliment of passengers and crew aboard no one else can set foot on the boat even to pass through.

What happens if an angler (club member) causes damage to a boat on his way through it to gain access to another boat.

Does club insurance cover members fishing on the small unlicensed boats you see weekly in club competitions as it is very possible some of these boats would not have any sort of insurance cover of their own.

It seems to me you are on your own in some of the most risky areas of a days competitions fishing as far as insurance is concerned. These are just a few areas the governing bodies and clubs need to address urgently with their insurance providers and make the results known to club members a lot of whom are well n truly in the dark on this issue.

Jim

#20 Post by **donal domeney** » Thu Feb 08, 2007 11:30 am

stevecrow74 wrote:club insurance has always been a grey area.. in what it covers and what it doesnt..
Mohawk wrote:It may also come as a surprise to most but it is not a legal requirement to have insurance on a charter boat in Ireland so some may not. It is up to you to ask the skipper when booking the boat..

Not sure where you got that from. This needs to be checked with the department of the marine.
Regarding the small boat issue, any small craft been used in ifsa competitions must carry their own insurance and are restricted to a 3 mile limit from shore and 15 miles from base. The ifsa insurance will cover any 3rd. party claim that may occur.
As I stated already there are on going talks within the ifsa with regard to insurance. Contact your club secretary for more details

Sea Angling Ireland

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