Consultatives & River Associations

As an association or consultative affiliated to the Angling Trust, you are automatically covered by liability insurance.

Your insurance policy through the Angling Trust protects you, your employees, volunteers and the business entity itself for incidents arising from agreed recognised activities. It is a combined liability policy made up of:

Professional Indemnity
Public and Product Liability
Employers’ Liability
Personal Accident
Directors and Officers (Management Liability)
Abuse cover

Who is insured

The Consultative or River Association and where applicable the committee, officials and officers of the consultative or river association and their employees and volunteers are insured.
Cover extends to the working parties who support the consultative or river association for maintenance of land or waters for which they are responsible.

Recognised activities list for consultative and associations

The agreed activities that Howden and the Angling Trust have negotiated are these:

Day-to-day administration and management of the association
Representing the Angling community, for example in the media
Representing the interests of affiliated angling clubs and riparian owners
Conservation of the angling environment
Government lobbying
Event organisation and management
Events and social activities (but not bonfires and fireworks)
Fundraising activities – (but not bouncy castles)
Use of boats/watercraft under 8m in length (provision /delivery of charter fishing is not insured)

Considering any of the activities in bold? Speak to Howden first.

A summary of policy terms, conditions and exclusions can be found in your membership insurance summary issued by the Angling Trust. Full details of insurance cover provided is within the policy wording.

Need to talk?

Do you have an existing policy with Howden?

Yes

Please provide your Howden contact (if known)

Please provide your Howden policy/reference number (if known)

For Angling Insurance enquiries, call us on 0121 698 8000 or drop us a quick message and we'll get back to you asap

Tricorn House, 51-53 Hagley Rd, Birmingham B16 8TP

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What to do if you are experiencing financial difficulties

We recognise that the current economic conditions are putting pressure on many households and businesses. At Howden, we are committed to finding ways to assist our customers who may require additional support during these times.

If you’re currently facing financial difficulty, please speak to us about your insurance policies by:-

-contacting your Howden Service Team;
-calling Howden on 020 7623 3806;
-using the Enquiry form.

Policy limits, excess and other key information

Public & Products Liability with a limit of indemnity of up to £10m any one occurrence and in the aggregate in respect of Products Liability protecting the club/syndicate its members and club volunteers against your legal liability for bodily injury to third parties and damage to their property and includes defence for obstruction, loss of amenities, trespass, nuisance, or interference with any right of way, light air or water whilst undertaking the Angling Trust recognised activity

Where a member club, syndicate, fishery or federation operates a reservoir – a specific reservoir endorsement applies which is a condition which must be met for Liability insurance cover to apply. Please see your evidence of insurance supplied by Angling Trust.

Please note that with effect from the 24 August 2020 to 24 August 2022 a communicable disease exclusion applied to this section of the insurance policy.

Use of power tools

Insurers will not indemnify you for any legal Liability arising from the use of Power tools unless:

Power tools are used as per the manufacturers guidelines
Power tools are only used by competent Adult
Power tools are to be securely locked away when not in use
Use of chainsaws is permitted only by users wearing the appropriate PPE equipment.- IT IS STRONGLY RECOMMENDED THAT those using chainsaws should hold the appropriate qualifications

Use of subcontractors

If you are using subcontractors for example but not limited to maintenance of land or building works it is a condition of the insurance that all sub contractors engaged by you shall have in force Public Liability Insurance for third party bodily injury or damage to property with a minimum limit of indemnity of £5m throughout the duration of the contract with you. You must hold and retain documentary evidence of the insurance prior to the commencement of the any contract.

This section of the policy extends to include Abuse cover to a limit of £2,500,000 in the aggregate for any incident occurring after 25 July 2016. The person accused of abuse/abuser or those who permitted abuse are not insured.

It is essential that you have a safeguarding policy and procedures in place.

The extension is written on a claims made basis of cover. It is essential that any claims or circumstances that might give rise to a claim are notified during the policy period in accordance with the terms of the policy wording otherwise the right for indemnity under this insurance will be forfeited.

Where you operate with Juniors or Vulnerable persons you should be adopting and adhering to the Angling Trust Safeguarding Policies details can be found here for abuse insurance to be available.

A limited marine extension applies to this policy but there is no cover for the provision of Charter Fishing: Fishing from a vessel carrying a passenger or passengers for hire that are engaged in recreational fishing. The policy does provide coverage when fishing on a third party's Charter boat. Please see your evidence of insurance supplied by Angling Trust for full details.

Covers you if held liable for an injury that an employee suffers during the course of employment. The policy includes injuries to volunteers and the maximum limit of cover is £10,000,000. (limited to £5m in respect of Terrorism) This is a legal requirement for any club that employs people paid or unpaid.

Protection for the directors, officers, senior managers, committee members and trustees against claims arising from their decisions or actions taken whilst managing the club/syndicate.

Directors and officers Limit of Indemnity £5,000,000 in the aggregate.

Corporate Reimbursement Limit of Indemnity £5,000,000 in the aggregate – retroactive date 25 July 2017.

Excess £2,500 under Corporate Legal Liability section.

This section of the cover is written on a claims made basis and is subject to retroactive date 25 July 2017. It is essential that any claims or circumstances that might give rise to a claim are notified during the policy period in accordance with the terms of the policy wording otherwise the right for indemnity under this insurance will be forfeited.

Personal accident insurance which provides “no fault” benefits should an injury happen to an insured person whilst undertaking an activity as recognised under your Angling Trust insurance policy.

The benefits payable are as follows:

Item	Schedule of Benefits	Sum Insured
1	Accidental death	£5,000
2	Permanent total loss of sight of one eye	£5,000
3	Permanent total loss of sight of both eyes	£5,000
4	Loss of one or more limb(s)	£5,000
5	Permanent total loss of speech	£5,000
6	Permanent total loss of hearing (a) in one ear (b) in both ears	£1,250 £5,000
7	Permanent total disablement Permanent partial disablement	£5,000 Covered
8	Temporary total disablement Excess period Benefit period	£50 per week 14 days 52 weeks
9	Temporary total disablement Weil's Disease (Leptospirosis) Excess period Benefit period	£50 per week 14 days 52 weeks
Maximum Sums Insured
	Maximum sums insured any one occurrence	£1,000,000
Category A
	Maximum sum insured in respect of items 1 to 7	The sum insured
	Maximum sum insured in respect of items 8 to 9	The sum insured or 65% gross weekly wage (whichever is the lesser)
Additional Benefits
10	Medical expenses	Up to 25% of any claim amount paid under Section A items 1-8 up to a maximum payment of £10,000
11	Coma benefit	£25 per day payable up to 26 weeks
12	Dental and optical expenses	Up to £250
13	Hospital in-patient expenses (per day)	£25 per day payable up to 30 days
14	Personal effects	Up to £250
15	Funeral expenses	Up to £5,000
Condition The benefits payable under this section will only respond should you be wearing a buoyancy aid or life jacket whilst aboard a watercraft

Covered for a limit up to £10m protecting against individual members if held responsible for breach of professional duty arising from negligent act error or omission of a Qualified Person arising from their Angling Trust recognised Activity. This section includes a libel and slander extension.

This section is written on a claims made basis and is subject to retroactive date 25 July 2017. It is essential that any claims or circumstances that might give rise to a claim are notified during the policy period in accordance with the terms of the policy wording otherwise the right for indemnity under this insurance will be forfeited.