A quick one. It's that time of year to renew the BRCA membership.
Would it be worth looking into alternatives? I know other clubs have their own insurance (Dorset, Southampton Mardave, Gang Warily). The BRCA only provides public liability, I'm sure we can get this for much cheaper than all of us getting BRCA.
I'm happy to call a couple of places for a quote.
The BRCA public liability insurance covers claims for injury or damage to a third party, resulting from an incident when a member is, in most cases, driving a model car. Public Liability Insurance generally does not cover any damage or injury resulting from faulty or misused products, as this would need a claim being made against the ‘Product Liability’ cover of the product supplier.
One aspect of the homologation procedure is to ensure this later chain of liability is in place, thereby protecting the user, as all bona fide suppliers accept this under the Sales of Goods Act.
However If the product has been misused, then be aware the liability could rest with the user.
If a club or event official sees a user misusing any potentially hazardous product they should eject them from the event and the premises immediately. The Association offers free advice on this, and any other aspect of our sport, simply click on ‘Contact’ on brca.org and ask away.
Just had another quote from Blackfriars Insurance Brokers Ltd,
Total Payable including Tax and Broker Fees: £ 122.60
Public/Products Liability Limit of Indemnity: £ 1,000,000 Business Description: Racing of Remote Controlled Cars - 15 Members Excess: £250 Third Party Property Damage or as otherwise agreed with the underwriter Endorsements Applying: HW1 - Heat Work Exclusion EP4 - Damage to Property in Care Custody or Control MM1 - Member to Member Exclusion