My Cricket Insurance

An insurance information website for members of the ECB Coaches Association and the ECB Association of Cricket Officials

ACO Scheme FAQs

Questions

What exactly does Public Liability Insurance cover?
Who does it cover?
When does Public Liability apply?
Can I increase the limit of Public Liability Insurance cover if required?
In what instances does the Personal Accident cover apply?
I am not currently employed but still act as an official as a hobby; will I still be covered under the personal accident section?
At what stage does my cover become effective?
Does the scheme cover overseas officials who are members of the ECBACO?
My cricketing duties mean I sometimes act as an official abroad, am I still covered?
I have received a letter from solicitors alleging that I have caused an injury to someone. What do I do?
Does the scheme cover Ltd companies set up for umpires and officials?
Does the scheme cover me for being an official for any other sports?

Answers

What exactly does Public Liability Insurance cover?

It provides cover for members against their legal liability in the event of damage being suffered by a third party, to include damage to property.

Who does it cover?

Cover is provided for all of the members of the Officials Association.

When does Public Liability apply?

Cover is only effective when you are involved in cricket activities whilst conducting your umpire/officials duties.

Can I increase the limit of Public Liability Insurance cover if required?

No, but it may be possible to arrange a separate policy to provide extra cover at additional cost.

In what instances does the Personal Accident cover apply?

In what instances does the Personal Accident cover apply?” to state “At any time during which you are conducting any official/umpires duties, as well as travelling to/from those duties. Cover applies from age 16 to date of 90th birthday - restricted benefits apply below age 16 or if not in regular gainful employment if over age or 65 - please refer to policy schedule for cover limitations/terms.

I am not currently employed but still act as an official as a hobby; will I still be covered under the personal accident section?

Yes. All the benefits under the policy are covered, except the temporary total disablement weekly benefit. If your only job at the time of an accident is as an umpire/official, you can claim the temporary total disablement benefit after the two week waiting period has elapsed.

At what stage does my cover become effective?

Your cover is effective immediately upon receipt of a completed application, together with either a completed Direct Debit or cheque in full payment of the fee, sent to the ECBACO in Edgbaston, to become a member of the association.

Does the scheme cover overseas officials who are members of the ECBACO?

Members of the ECBACO normally resident in the EU are covered in the same way as UK residents.

My cricketing duties mean I sometimes act as an official abroad, am I still covered?

Yes. Provided you are normally a resident in the UK or EC, you are still covered.

I have received a letter from solicitors alleging that I have caused an injury to someone. What do I do?

Do not respond to the letter at all. Forward it to Kerry London Ltd immediately. They will make contact with you and advise how to proceed.

Does the scheme cover Ltd companies set up for umpires and officials?

No. The scheme does not cover companies; a separate policy would need to be arranged. Please contact Kerry London Ltd for further assistance.

Does the scheme cover me for being an official for any other sports?

No.