Coverage
What is covered?
The Equestrian Australia National Insurance Programme consists of 4 policies: Personal Accident, Public & Products Liability, Professional Indemnity and Management Liability.
For more information on the benefits provided please see the 'Equestrian Australia National Insurance Program' Important Documents.
As a valued member of the Equestrian Australia community you are entitled to receive various discounts on the suite of Gow-Gates' Equestrian Related Insurance products. Our staff will provide you with personal service along with guidance and explanations of what insurances are available to you.
Club & Association Requirements
Are your asset's adequately protected?
In the unfortunate circumstance that something happens to your clubhouse, your vital gear and equipment may not be covered for loss.
Gow-Gates understands what goes into running a sports club and that you need to insure more than just bricks and mortar. We also understand that one size does not fit all and can tailor a package that protects your club's property against:
- Fire, flood, storm, accidental damage
- Loss of profits
- Theft
- Theft of money
- Broken glass
- Machinery breakdown
How to apply for the Sporting Club Insurance: Simply complete the Sports Property Insurance Form.
Certificate of Currency
The portal is being finalised, for any urgent Certificate of Currency requests please reach out to the Sport Team.
Submitting a Claim
The portal is being finalised, for any urgent claim requests please reach out to the Sport Team.
Important Documents
Risk Management
What is duty of care?
What is Personal Accident Insurance?
Risk Management
FAQs
Spectators are not listed as an insured person on the programme. As such, a spectator who is injured cannot make a claim on the Personal Accident policy. Clubs are noted as Insureds on the policy. Therefore, if a spectator was injured and decided to seek damages from the club alleging the club's negligence, then the Public Liability policy would respond. Important, the Public Liability Policy states that you must not admit Liability without the Insurers consent thus any claim made by a spectator must be referred to the Insurer as soon as possible for their instructions.
Unfortunately, the Health Insurance Act 1973 does not allow a policy of this type to cover expenses for which any Medicare rebate is made.
126 Prohibition of certain medical insurance.
(1) A person shall not make a contract of insurance with another person that contains a provision purporting to make the first-mentioned person liable to make a payment in the event of the incurring by the other person of a liability to pay medical expenses in respect of the rendering in Australia of a professional service for which Medicare benefit is, or but for subsection 18(4) would be, payable.
Medical expenses for which there is no benefit payable by Medicare are still claimable. These include Ambulance, Physio, Private Hospital Accommodation and Dental amongst others.
Gow Gates and Equestrian Australia recognise that the Equestrian Australia insurance Scheme benefits are not designed to be comprehensive for all members of the equestrian community. It is strongly recommended that you consider the benefits in line with your current circumstances.
Additional Insurance is available for the Capital, Non-Medicare Medical and Loss of Income benefits.
Gow-Gates Financial Services can also provide advice on an Income Protection policy, which can provide cover for injuries that occur participating in equestrian activities and in your day-to-day life.
For further information, please contact our office.
Under the Personal Accident Injury policy, you can claim for Loss of Wages if you work part time, provided you can demonstrate consistent earnings over the 12 months prior to the injury.
Although the Council cannot be noted as a named Insured on the Policy they are automatically indemnified as Landowners under the policy. It can be arranged to note the interest of the Council as property owners on Certificates of Currency to provide cover for their vicarious liability for your use of their grounds, if they wish.
Please follow the instructions of your State Branch regarding Certificates of Currency which can be found on the 'Certificates of Currency' tab on this website.
Yes. Only direct members, coaches, and club voluntary workers engaged in EA organised activities, are covered under the Personal Accident policies.
No. Equestrian Australia insurance provides Public Liability cover for your non-income earning activities only. This programme does not extend to cover any income earning activities that you may be engaged in, such as agistment, breaking/training horses, leasing out floats, etc.
Gow-Gates are able to arrange an additional insurance policy tailored to these individual needs, please contact the office for more information.
