Insurance question... (meh!)

[Baldy]

Had our final committee meeting yesterday - bit late in the year, personally didn't see the point other than sorting out Xmas lunch - anyhow we are considering moving from NAA to SWAA - its about 60 £ cheaper and the south west one are based just up the road - for insurance purposes we have been told that they need to know contact details for individual plot holders - apparently NAA asked much the same a few years ago,secretary said no to them and heard nothing more - so probably we aren't really insured...

So we're maybe in the midst of a data protection issue vs actually being able to claim on our insurance if anything went amiss. We are stuck in the middle (again) as we've got quite a few members who won't agree to giving contact details to XYZ

(Seems you have to be retired (to have the time), personable (to avoid the right hook), skilled at gardening (so that everyone 'wows' at the sight of your plot) and stubborn.)

I'm stubborn.

Much respect to those who manage sites with more aggro than the one I help with - especially if they are doing it without much/any help.

[Baldy]

and the point was - does anyone else have to give members details to national allotment association or similar to pass on to their insurers to ensure they are insured?

[veggiechicken]

I wondered what the question was!!

[Squingy]

We were insured by I can't remember who and we didn't have to give plotholders details, only the details of the head honcho (aka committee secretary.)

[Chestnut]

Never had to give details to insurance company, but our committee have a list of members contact details.

[bobbin]

Sorry if this is a dim question but what are you insured against? Is it for damage and things stolen?
We don't have insurance as far as I am aware on my lottie.

[Baldy]

https://www.nsalg.org.uk/join-us/shi...ent-insurance/

that type o thing

imho its a bit like https://www.youtube.com/watch?v=DRm5WcjOikQ

[Snadger]

We had to have Insurance as part of our tenancy agreement with the Council. As Secretary I was asked to get details for each plot holder of a contact phone number , address and email address if they had them to conform to regulations.

I needed this record anyway for sending of information to plot holders. I have never been asked to divulge this information to the Council..Contacts have been invaluable at times for sending information or letting someone know there hens were out or his/her polytunnel had blown down etc.

The strange thing is, we pay insurance for as many full size plots that could be accommodated on site NOT for the actual amount of 3/4 size plots that we have on site per person? From memory we pay £2.00 annually per full size plot which because the plots we have are 3/4 plots means that it equates to a lot less than £2.00 per plot holder, if you see what I mean.

[Baldy]

Yeah we've got contact details for members - the thing is as far as we understand the new data protection law we need to ask their permission to provide this to another entity - some will not be interested and therefore if they had a claim the insurance company could then say "Individual X has not provided the details that we required to provide them with insurance" so would not payout (I imagine)
We're thinking that at the moment - despite paying a premium for the site - we're probably not actually covered either as the current insurer does not have details about each individual.
If we *do* have to provide individual details its going to be yet another chore when new plot holders come along. From what you are saying Snadge it does sound like its something we're going to have to do.

[Squingy]

With our site it was if someone was injured and said it was council/site's etc's fault it would pay injury costs, legal fees if they decided to sue. Also covered members of public getting injured on site one or two days out of the year. There was theft but excess was like £500 or so, nobody keeps expensive stuff like that there.

[Snadger]

Ours was for public liability only which is the only thing we need to have by law.. Anyone who wanted contents insurance would have to take it out individually.