Skip to main content

Personal Accident - Voluntary Worker Insurance

ANNUAL POLICY

About: Personal Accident - Voluntary Worker Insurance

First and foremost, this Insurance is all about protecting your fellow volunteers. We all know that accidents can happen, even in the most well-intentioned and organised environments.

With Personal Accident - Voluntary Worker Insurance you can have peace of mind knowing that if an accident or injury occurs whilst volunteering, it can be financially compensated for certain expenses and lost income.

Why do you need Personal Accident - Voluntary Worker Insurance?

Personal Accident - Voluntary Worker Insurance can help compensate your Volunteers for certain expenses and lost income incurred as a result of an accident/injury sustained whilst performing work for your organisation, including direct travel to and from the site.

The financial compensation provided by the policy can include benefits such as Weekly Benefits for lost income, Capital Benefits for permanent disablement or death, and in some cases Out of Pocket non-Medicare medical expenses where allowed by legislation.

A person wearing yellow gloves picking up a plastic bottle from a sandy beach

Features of our Personal Accident - Voluntary Worker Insurance cover:

Loss of Income

Loss of income as a result of an illness or injury.

Full Benefits To 90

90+ receive Capital Benefit Sum Insured of $25,000.

No Waiting Periods

If something happens, you can get the support you need right away.

Australia Wide Cover

No matter where you're volunteering, you can be covered anywhere in Australia.

Personal Accident - Voluntary Worker Insurance: Protecting those who give back

Whether you're setting up for an event, serving tea and coffee, or even selling tickets, if you are performing work for the organisation in an official volunteering capacity, you can be protected.

This cover helps protect your organisation’s volunteer workers by allowing for the payment of financial compensation for personal injury sustained when undertaking an activity on behalf of the group in an official capacity.

A young woman wearing a yellow safety vest and blue sneakers, walking with two large bags filled with collected trash.

Some examples of who the policy covers:

✅ Committee Members (as long as they are unpaid).

✅ Fundraising Officers (as long as they are unpaid).

✅ Volunteers acting on behalf of your group.

✅ Volunteers setting up at your event.

✅ Volunteers travelling directly to and from activities.

You should consider keeping a register of volunteers and when they are engaged in activities on your behalf.

Volunteers planting trees together in a park, promoting community engagement and environmental sustainability

Some examples of the activities which can be covered by this policy:

✅  Setting up for an event.

✅  Serving tea and coffee.

✅  Selling or taking tickets at an event.

✅  Acting as an usher or information guide.

Smiling elderly woman holding a gardening tool during a community outdoor activity

Examples of what activities will not be covered by the policy:

❌ It will not provide cover where the person injured is not working in an official capacity on your behalf. The cover triggers on injury only while they are performing the volunteer work - so they need to be working for you in a recognised capacity helping to run the group’s activities.

❌ When they are engaged in performing, e.g. in a choir or a theatre group as when they are doing this they are deemed to be ‘performers’ and are not classed as providing voluntary work, under a typical Personal Accident Voluntary Worker policy, when performing this activity. (If cover is required for this, please contact us.)

❌ When you are an employee of the group (this policy covers unpaid persons acting on behalf of the organisation).   

Group of young adults smiling and working together in a community event
selected option

Product Disclosure Statement (PDS) and Policy Wording: Personal Accident - Voluntary Worker Insurance

The Insurer’s Product Disclosure Statement (PDS) or Policy Wording sets out the actual coverage terms, conditions, limitations and exclusions provided under the policy. Please access these documents on the links provided and read them thoroughly in conjunction with your Policy Schedule and call us immediately if you require clarification on any issue.

Latest Product Disclosure Statement (PDS) and Policy Wording:
⬇️ AFA Voluntary Workers Insurance PDS and Policy Wording Version No. 14: 1-OCT-2022-PDS-VW-10097.

• For any Personal Accident - Voluntary Worker Insurance policies commencing or renewing effective on or after February 1 2024.

Previous Product Disclosure Statement (PDS) and Policy Wording:
⬇️ QBE Voluntary Workers Product Disclosure Statement and Policy Wording QM182-0521.

• For any Personal Accident -  Voluntary Worker Insurance Policies commencing or renewing effective on or before February 1 2024.

Change in Insurer: New Product Disclosure Statement (PDS) and Policy Wording

Not all Insurance policies are the same. We have conducted a review and in most sections of cover the AFA policy is equal to or superior to the QBE Policy – a tabled comparison of the expiring QBE cover against the AFA.

Cover is detailed as per comparison table and serves as a useful reference for understanding the differences between the two Policies.

⬇️ Volunteer Worker Personal Accident Insurance – Comparison Table

Go ahead, protect your fellow volunteers

Remember, accidents can happen to anyone, but with this Insurance, you can have the support you need to bounce back and continue making a difference.

Personal Accident - Voluntary Worker Insurance FAQs

Our frequently asked questions about Personal Accident - Voluntary Worker Insurance.

Please note that these FAQs are of a general nature, and the specific terms and conditions of your Insurance policy will apply to any claims.

It is always recommended to refer to the Policy Wording and consult with LCIS staff for detailed information about coverage and any specific questions you may have.


The above statements are issued as a matter of information only and for full terms and conditions you should refer to the Policy Wording.
LCPA# 24/495.