+Write and Mane Posted March 24, 2006 Share Posted March 24, 2006 We kicked this topic off back in February, so here's an update. A lot of insurers just don't want to know or make it clear that their minimum rates would be too expensive because they are geared to major events, shows, etc. Even some of those that appeared hopeful initially have declined to quote because we are not a business or a charity, etc or because we are not clients of them for other insurance. An example of the latter is NFU Mutual - if you already do business with them, they will give you a quote ... but we couldn't even get a feel for the likely premium. The only positive source we have found is an organisation called Event Insurance Services, with whom we would be looking at a minimum premium of about £70 for the lowest level of public liability cover only. Realistically, some additional cover would be appropriate which could take the cost up to around £200. This is much more than we had anticipated or would be prepared to pay. This suggests that you could run an event charging, say, £1-2 a head to cover the cost of insurance - but we don't see the sense in this, when the biggest difference between the event and going out geocaching is the inclusion of the opportunity to meet socially. As people have said, you can go to a pub to do this without an entrance fee. It seems that, if we were a club or organisation that already had insurance, an endorsement for a one-off event might be quite economical - but we don't fit this category. It does raise the question: is there a mechanism whereby the geocaching community can have a general UK wide insurance, with each event needing only specific endorsement at nominal cost? It is disturbing that events are in danger of cancellation because of this problem. The only example of an event that was covered by insurance was where the owners of the venue were arranging it. This raises the question of whether the Council who run the park where our event is to be held can do this, with us paying the relevant premium. We are currently checking this out. Whatever the outcome, we still intend to go ahead, but it looks as if we will have to make it clear that the event is primarily a social meeting venue and information source. People will go off looking for caches - but on their own individual initiative, as they would normally in pursuit of the hobby. We would hope that newcomers will have a chance to give it a try with willing experienced cachers, but this would have to be a one-to-one arrangement by mutual agreement. Yes, we know this looks completely OTT for taking a walk in a park or the surrounding countryside and being helpful and friendly to newcomers who show an interest. We hope this summary of what we have done/discovered is of some help to others. At the same time, we are still open to words of wisdom from anyone else. Just to pre-empt the possible "Give up geocaching and stay in bed all day", we have thought of that but can't take the risk in case something falls off a plane and comes through our roof. Quote Link to comment
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