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Personal Accident

Australian Sailing Personal Accident Insurance

Network Marine is the Insurance Broker for Australian Sailing. We have worked closely with Australian Sailing to arrange Group Personal Accident Insurance through AIG Australia Limited that covers club members and other insured persons whilst involved in club sanctioned activities

Who is Insured?

This program covers:

  • All current financial members of Australian Sailing Affiliated Clubs (including Sail Pass participants), as well as accredited instructors, officials and coaches.
  • Voluntary Workers, Directors and Committee members of affiliated clubs
  • State and Territory Member Yachting Associations.
  • Accredited Discover Sailing course participants and Discover Sailing Day participants.

What is Covered?

You are covered if you are actually:

  1. participating in an Australian Sailing and affiliated clubs sanctioned race, regatta or event (including non-sailing or racing activities that are organised by the club); or
  2. coaching, training or practicing:
    1. provided by Australian Sailing and affiliated clubs, or
    2. for an Australian Sailing and affiliated clubs sanctioned race that you are registered to participate in ; or
  3. participating in an Australian Sailing accredited Discover Sailing Course (and for up to three months from course completion), or
  4. officiating in activities authorised and under the control of the Insured, or
  5. unpaid voluntary work authorised and under the control of the Insured, or
  6. participating in an Australian Sailing affiliated club organised social or fundraising activities
  7. You are engaged in necessary direct travel between Your normal place of residence or employment and the place of Your activities described above. Benefits shall be limited to 20% of the Sums Insured stated in the Policy Schedule unless the mode of transport used is aboard a vessel registered to participate in an Australian Sailing affiliated club sanctioned race.

The policy provides cover for members aged up to 90 years of age.

Please refer to the PDS for coverage terms, conditions & limitations.

What are the Benefits

The main benefits under the Personal Accident Policy are listed below:

Dental Benefits

This benefit covers insured persons who suffer Injury resulting directly in dental treatment.

Student Tutorial

This benefit reimburses costs actually incurred for tutoring to assist the full-time student.

Domestic Home Help

This benefit reimburses costs actually incurred for hiring domestic help and/or childminding services.

Parent Inconvenience Allowance

This benefit provides dependant insured persons under 20 years of age who are hospitalised with

Fractured Bones Benefit

This benefit covers insured persons who suffer Injury resulting in a fractured (broken) bone.

Permanent Injuries

This benefit provides a lump sum benefit in the event of  Permanent Disability.

Physiotherapy Benefit

This benefit covers insured persons following an Injury which requires ongoing Physiotherapy treatment.

Funeral Expenses

This benefit pays all reasonably incurred funeral expenses If an Insured Person suffers an Injury resulting in Death.

Loss of Income

This benefit provides cover for insured persons who are income earners at the time of the injury.

Death

This benefit provides a lump sum benefit in the event of death.

Non Medicare Medical Expenses

This benefit covers insured persons for reimbursement of NON-MEDICARE medical expenses.

The most common “non-Medicare” expenses insured by this policy include: Ambulance, Chiropractic, Osteopathy.

Medical expenses not insured by this policy include:

Doctor’s Fees, Anaesthetist’s Fees

Click here to view summary of Benefits Brochure

How to make a claim

  • 1

    Download Claim Form

  • 2

    Return your completed claim form and supporting documentation as soon as possible to sailing@networkmarine.com.au

  • 3

    We will review your claim and submit to AIG’s Claims team to assess your claim.

  • 4

    You will be provided with confirmation of your claim lodgement together with details on how to track the progress of your claim.

  • 5

    For assistance in completing your claim form, please contact Network Marine on 1300 856 657 or email sailing@networkmarine.com.au

Forms

Frequently Asked Questions

Financial members of Australian Sailing affiliated clubs, participants in Discover Sailing Centre courses and SailPass holders are covered.

  • Members of Class Associations are not covered unless they are also a member of a club.
  • Coverage is void at any non- affiliated club, whether it is participating in a race or on that clubs’ premises

The age limit is 90 years old, however other age limits apply to certain benefits.

These include:

  • PARENT INCONVENIENCE ALLOWANCE – Insured person under 20 years of age
  • WEEKLY BENEFITS - Age Limit to 75 years for Income Earners Only
  • DEATH BENEFIT - Persons under 18 years and ages 86 years - 90 years (limited to $10,000)

Medical Expenses that are covered by Medicare (including the Medicare Gap) are not covered by the Personal Accident policy. This would include:

  • Surgeons
  • Anaesthetists
  • Doctors
  • X-rays

Private Health Insurance would be the required to cover these expenses.

Yes. This is a non-Medicare expense and is covered within the overall category limit of $5,000

Yes. The policy provides up to $850 in Physio costs

(Refer Policy Endorsements for eligible benefit payable per visit).

Yes. The policy provides up to $5,000 benefit for an injury that results in broken bones.

(Refer Policy Endorsements for table of benefits relating to Broken Bones).

Yes. The policy provides up to $5,000 benefit for Dental treatment.

(Refer Policy Endorsements for table of benefits relating to Dental Treatment).

Full Time Students may be eligible to claim Student Tutorial Expenses.

Other Non-Income earners may be eligible to claim domestic help and/ or child minding service.

An event or activity that the club organises. This could be a race/ regatta under the Racing Rules of Sailing; other on-water non-sailing activities; or shore based events that have risk management plans and are approved by the club committee/ board.

All club volunteers are covered by the policy while undertaking unpaid voluntary work authorised and under the control of the Insured club. This includes on water roles (Race committees, safety boats etc) and shore based (clubhouse maintenance, canteen etc)

Direct, uninterrupted, travel to or from an insured activity is covered by the policy.

Policy benefits are limited to 20% for injury occurring during travel to and from; unless the mode of transport used is aboard a vessel registered to participate in an Australian Sailing affiliated club sanctioned race.

You will be covered while training or practicing for an affiliated club sanctioned race that you are entered/ registered to participate in.

No. This policy does not cover individuals when engaged in recreational (non club organised) boating activities.

No. Overseas Cover will no longer be provided by the policy.

If you are competing in an overseas sailing event, please contact Network Marine who can assist with arranging Travel Insurance that will include your sailing competition activities.

sailing@networksteadfast.com.au

Yes. The Group Personal Accident program is intended to provide whole-of-sport protection, where all insured persons receive the same minimum insurance entitlements.

However, if you would like to increase your personal insurance above the minimum policy benefits, including Overseas travel, Life Insurance  or Income Protection; please contact Network Marine and we will assist.

sailing@networkmarine.com.au