Insurance Requirement

[cassa333]

Hi,

Just for a quick question for the people in the know.

If I want to book an activity for a child's birthday party and the t&c say you have to have insurance to cover accidents and injury, does this mean the activity centre isn't liable for any injury or accident?

I always assumed an activity centre would have public liability insurance to cover injury and accidents.

Thanks

[Dogsbody2]

Yes they will have (by law) but their insurer has probably decided that the risk is too great for certain categories to permit these special events.

Seen this before in Village Hall policies - children's bouncy castles are a specific exclusion.

You have to comply (or go elsewhere or change the nature of the event)

[cassa333]

Thanks.

I wonder how much a children's rock climbing party for 10 10yr olds would be?

If it is too much it isn't worth it!!!

[cassa333]

Actually she will kill me. She will be 12 yrs old

[Dogsbody2]

OK, so this is clearly using the equipment in the activity centre and (presumably) the services of a qualified instructor to supervise the event at all times.

In that case, it is still as I suggested (the insurer will not permit this type of 'client' at this activity - perhaps because it is adjudged that excitable kids are not likely to behave as if they are interested in learning how to climb at a 'social' type event.

Either way it seems to be a policy exclusion - ask them.

Doubt that you can obtain independent cover at an economic cost for a one off, compared to the hiring cost. If they were really interested in offering this option, I reckon they would have obtained the cover and factored it into the price of the hiring for the event.

[cassa333]

Thanks. All groups regardless of age have to have their own insurance.

Anyway I shall have to see how much the insurance will be. If it is too much then she won't be able to go there.