Insurance

[Mrs H]

Okay I'm starting a new thread on the back of the startling revelations made in the Scottish championship one about the needs to take the names of everyone taking part in string courses for insurance purposes.

This seems to be the latest in a long line of new requirements being made on the sport by the insurance companies but it would be interesting to know what efforts have been made to find some less proscriptive insurance cover.

Given that orienteering is hardly the most dangerous sport in the world - when was the last time that someone died as a result of an orienteering accident - why is this the case and how do other far more dangerous sports (like ski-ing, rugby, road cycling) manage to get any cover at all

Has anyone (and I'll pluck a name out of the hat here ) like the SOA investigated the alternatives?

[blindasabat]

From the BOF Website... Insurance FAQs...

Our new insurers require a record of the names of all participants at events including nonmembers and volunteers to be kept. Normal submission of the results will satisfy the insurance company’s requirements for a list of participant names. Therefore an extra requirement for clubs will be a list of volunteers. Any volunteers that are not also participating (and therefore will not appear on the results list) will need to be listed. This list will need to include any adults shadowing juniors or any multiple entrants e.g. pairs or threes running together, if their names do not appear on the results list. This list will ensure that cover extends to volunteers. Clubs will still be required to submit the numbers of competitors on the levy form.
The list of volunteers does not need to be sent to British Orienteering but we ask it is kept at club level in case a claim should arise. The insurers require entry forms for non-members, results and the lists of volunteers to be kept for a minimum of 5 years. The planned modifications to the events section of the website should, in the future, allow this information to be submitted to the British Orienteering website and kept centrally. However, in the shortterm, we ask that this information is kept with clubs. The normal event registration and incident reporting process will continue and is crucial to validation of the insurance cover....

5 years! I hope youv'e got plenty of space to keep all those MADO entry forms Mrs H

[Gross]

The planned modifications to the events section of the website should, in the future, allow this information to be submitted to the British Orienteering website and kept centrally. However, in the shortterm, we ask that this information is kept with clubs.

So rather than throw all the crap in a cupboard after an event someone is going to need to type those 500+ per day 6 Day string course runners into BOF website.....

[IanD]

Or perhaps scan the sheet and send it to BOF as an image?

[andypat]

Mrs H
I dont see how taking names of competitors is being too proscriptive.
Apart from anything else if you dont - it surely gives the impression you dont care who they are?

But also - as I mentioned elsewhere - if I was your insurer I would want to be able to quantify the risk. If you cant tell me who attended your event, how can I tell whether I should pay out to a claimant?

If you were taking a group of schoolkids on a trip you'd expect to be able to account for who actually was on the trip wouldnt you, not just how many?

[NFKleanne]

I was told the list had to be taken, but not sent unless needed to be. I have just kept the results sheet.

At NOR events our string course is not usually manned, so competitors log there start and end times themselves, parents usually go round with kids, but normally enter a course on there own, so are listed in main results any way.

I didn't realise you had to list all volunteer who hadn't run till I went on a safety workshop the other week.

[Mrs H]

Only in so far as MADO events have DIY string courses which means finding another 1(2) people to cover it. Registration at MADO events can be a bit hectic at times and I would think it unfair to over burden the existing band of helpers. I think the end result will be putting on a string course will prove to be just too much effort and I predict that other smaller events might feel the same way.

[Scott]

You could have a DIY string course with a couple of clipboards and a big "write your name here" sign next to the start. I don't know whether that would be enough to satisfy the insurers, though.

[roadrunner]

For the helpers, why not just use the club membership list, i.e. everyone is a (potential) helper? (Obviously, if non-members help then you'd have to add them as well.) I can't see an issue with having extra names on the list, although the insurance company might not like it if they knew.

[Big Jon]

Roadrunner - don't mention the obvious way - the insurer might read this thread and insist on photographic proof of everyone at every O event together with passport or other ID to back it up........ I am making this up ..... aren't I??

[Roger]

For the helpers, why not just use the club membership list, i.e. everyone is a (potential) helper? (Obviously, if non-members help then you'd have to add them as well.) I can't see an issue with having extra names on the list, although the insurance company might not like it if they knew.

But if the insurers suddenly found that over the course of a year there were twice as many people as they'd expected at our events, would they double the premium?

[NFKleanne]

From what I thought the insurers didn't need the numbers or list unless there was an incident