Are children covered by ABA insurance?

Here are three ways that the under 18s may be affected by insurance

Club insurance

Children or their parents/guardians can make a claim as a third party against an ABA club following personal injury of the child. In this event, a claim could be lodged against the club’s Public Liability policy. The claimant would have to prove the ABA club has been negligent.

Individual member insurance

Children or their parents/guardians can make a claim as a third party against an ABA member who has Public Liability policy following personal injury of the child. In this event, a claim could be lodged against the member’s Public Liability policy. The claimant would have to prove the ABA member has been negligent.

Separate insurance

A child cannot obtain their own Public and Products Liability (Members) policy. Legally, minors are unable to enter into contracts so the insurance company would be unable to provide cover for a minor. 

We put members questions about their insurance to Irecon, the ABA insurance broker. For individual advice you should refer to policy details.