Insurance Matters
As there seems to be a far bit of confusion surrounding insurance, below is ARCA’s understanding of the insurances available and what club insurance, personal insurance, day insurance, public liability insurance is, as how it applies to you and your club.
ARCA itself is not EWA affiliated and does not carry any Public Liability Insurance. It is up to the individual clubs affiliated with ARCA to have their own Public Liability Insurance either through EWA (which now uses Gow Gates as the Insurer) or privately through an Insurance company of their choice (e.g. AON).
It is also strongly recommend that individuals insure themselves for Personal accident cover (e.g. through EWA membership or PCAWA insurance) but this is really up to the individual.
To run an 'official' ARCA Challenge the Club running it must have Public Liability insurance and must be able to allow for Day membership (bearing in mind that again this is only to cover the Club running the event for Public Liability). There are several options available to Clubs for this.
(1) They can Affiliate and Insure through EWA. As EWA insurance no longer allows for the provision of Day membership then the Club must have a proviso in their own Constitution (e.g. in the membership categories) that allows Day members of the Club. So when such a Club runs a Challenge then anyone that is an EWA member is covered (as the Club is EWA affiliated/insured) and those that are not EWA members can 'join' the Club for the day (at a fee set by the Club and this money goes to the Club basically to contribute to their insurance premiums) - bearing in mind again that this is only covering the Club for Public Liability. Obviously members of the host Club are already covered through their membership.
OR
(2) The Club can have their own Public Liability insurance with an insurance company that allows Day membership (e.g. scenario with Peel being insured through AON and having to forward the Day membership fee to the insurance company). In this situation, anyone that is NOT a member of the host club would have to pay the Day membership unless the Club happens to be EWA affiliated in which case people with EWA membership would also be covered for Public Liability (note a club can affiliate with EWA and take out their own insurance - they don't have to go through the EWA insurer Gow Gates - they just have to provide EWA with their Certificate of Currency).
Unfortunately an individual having PCAWA insurance does not provide them with any cover at these events unless the Club running the event is a PCAWA club, which obviously Adult Riding clubs aren't (unless they are somehow under the umbrella of a Pony Club and PCAWA Public Liability insurance).
People with open PCAWA and EWA insurance are, in fact, covered 24/7 for both public liability and personal accident. The point is that the clubs at which they will be riding (i.e. the ARCA clubs) are not covered by the rider's insurance at all. Hence the clubs require public liability to cover visiting riders (whatever cover the individual rider may or may not have) and will make a charge accordingly.
ARCA itself is not EWA affiliated and does not carry any Public Liability Insurance. It is up to the individual clubs affiliated with ARCA to have their own Public Liability Insurance either through EWA (which now uses Gow Gates as the Insurer) or privately through an Insurance company of their choice (e.g. AON).
It is also strongly recommend that individuals insure themselves for Personal accident cover (e.g. through EWA membership or PCAWA insurance) but this is really up to the individual.
To run an 'official' ARCA Challenge the Club running it must have Public Liability insurance and must be able to allow for Day membership (bearing in mind that again this is only to cover the Club running the event for Public Liability). There are several options available to Clubs for this.
(1) They can Affiliate and Insure through EWA. As EWA insurance no longer allows for the provision of Day membership then the Club must have a proviso in their own Constitution (e.g. in the membership categories) that allows Day members of the Club. So when such a Club runs a Challenge then anyone that is an EWA member is covered (as the Club is EWA affiliated/insured) and those that are not EWA members can 'join' the Club for the day (at a fee set by the Club and this money goes to the Club basically to contribute to their insurance premiums) - bearing in mind again that this is only covering the Club for Public Liability. Obviously members of the host Club are already covered through their membership.
OR
(2) The Club can have their own Public Liability insurance with an insurance company that allows Day membership (e.g. scenario with Peel being insured through AON and having to forward the Day membership fee to the insurance company). In this situation, anyone that is NOT a member of the host club would have to pay the Day membership unless the Club happens to be EWA affiliated in which case people with EWA membership would also be covered for Public Liability (note a club can affiliate with EWA and take out their own insurance - they don't have to go through the EWA insurer Gow Gates - they just have to provide EWA with their Certificate of Currency).
Unfortunately an individual having PCAWA insurance does not provide them with any cover at these events unless the Club running the event is a PCAWA club, which obviously Adult Riding clubs aren't (unless they are somehow under the umbrella of a Pony Club and PCAWA Public Liability insurance).
People with open PCAWA and EWA insurance are, in fact, covered 24/7 for both public liability and personal accident. The point is that the clubs at which they will be riding (i.e. the ARCA clubs) are not covered by the rider's insurance at all. Hence the clubs require public liability to cover visiting riders (whatever cover the individual rider may or may not have) and will make a charge accordingly.
want to get some personal insurance?
EA membership
Note: the flyer below was released in February 2018 - the cost for Adult Riding Membership will have changed for the current year. Please use the EA Membership link above for the most up to date prices.
