Endorsements

Endorsements are changes made to the base policy wording that customise it to fit the needs of most community groups. These changes expand the coverage provided by the policy, but there are still certain activities or situations that are not covered, known as Exclusions.

volunteer work cover example

It’s important to note that these Exclusions are not meant to avoid paying claims, but rather they exist because certain activities or risks are not insurable (such as intentional injury, suicide, war, terrorism), are against public interest (like being under the influence of alcohol or drugs), or are better covered by a specialised insurance policy (such as flying in an unlicensed aircraft).

What’s important to know is that this policy can help provide coverage for volunteers while undertaking most activities when acting on behalf of a community groups The endorsements to this policy are shown in the section headed Policy Extensions, the standard policy exclusions are listed under the heading Exclusions further down this page.

Customer – accident cover
Accidental Death and Capital Benefit

The benefit payable is an amount calculated by applying the benefit percentage to the sum insured shown in the policy schedule against Part A — Accidental Death and Capital Benefits.

  • Accidental Death 100%
  • Permanent Total Disablement 100%
  • Permanent paraplegia, quadriplegia or incurable paralysis of all limbs 100%
  • Permanent and total loss of sight in one or both eyes 100%
  • Permanent and total loss of use of one or both limbs 100%
  • Permanent and incurable insanity 100%
  • Permanent total loss of hearing:
    1. in both ears 100%
    2. in one ear 60%
  • Permanent and total loss of the lens of
    1. both eyes 100%
    2. one eye 60%
  • Permanent and total loss of use of four fingers and the thumb of:
    1. both hands 100
    2. either hand 80%
  • Permanent disfigurement from:
    1. third degree burns which cover more than 20% of the entire external body 50%
    2. second degree burns which cover more than 20% of the entire external body 25%
  • Permanent and total loss of use of four fingers of either hand 50%
  • Permanent and total loss of use of one thumb (both joints) 40%
  • Permanent and total loss of use of one thumb (one joint) 20%
  • Permanent and total loss of use of one finger:
    1. all three joints 15%
    2. two joints 10%
    3. one joint 5%
  • Permanent and total loss of use of all toes of ether foot 15%
  • Permanent and total loss of use of toes (per toe)
    1. both joints of the great toe 5%
    2. one joint of the great toe 3%
    3. (c) all joints of any toe other than the great toes 1%
  • Fractured leg or patella with established non-union 10%
  • Shortening of the leg by at least 5cm 7.5%
  • Permanent disablement not otherwise provided for above through Injury Types 2–18 inclusive Such percentage of the capital benefit sum insured which corresponds to the percentage reduction in whole bodily function as certified by no less than three medical practitioners, one of whom will be the insured person’s treating medical practitioner and the remaining two will be appointed by us. In the event of a disagreement payable will be the average of the three opinions. The maximum amount we will pay is 75% of the capital benefit sum insured.
Exclusions

These Exclusions mean that the insurer may not provide coverage for death, injury, or disability in the following circumstances:

  • Deliberate, illegal, or criminal acts committed by or on behalf of an insured person, or with their consent or direction.
  • Use of the insured person's personal motor vehicle that violates the terms of the applicable comprehensive motor vehicle insurance policy.
  • Using a motor vehicle while under the influence of a prescription drug that impairs motor vehicle control, or with a percentage of illicit drug or alcohol in their system that exceeds the legal limit at the time and place of the incident.
  • Training for or participating in a professional sport.
  • Active service in any armed force for any nation.
  • War, civil war, invasion, insurrection, revolution, use of military power or usurpation of government or military power in Australia or an insured person’s country of residence.
  • Involving any pre-existing condition, except for illnesses or diseases directly resulting from necessary medical or surgical treatment for an injury.

The above statements are issued as a matter of information only and for full terms and conditions you should refer to the Product Disclosure Statement and Policy Wording. All cover is subject to the terms, conditions and exclusions of the policy.