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Summary and Guide

Policy Summary

The HolidayPlay policy is underwritten by Sterling Insurance Company Limited (except where otherwise stated). This document summarises the cover provided by the HolidayPlay policy and should be read carefully before you complete the proposal form. The Policy Summary does not contain the full terms and conditions, which can be found in the policy document. A full policy document is available free of charge from Morton Michel.

Public and Products Liability

Limit of Indemnity £2,000,000

If your holiday play scheme is held legally responsible for an injury (including death) to a child or a third party, or for damage to a third party’s property then you will be required to pay damages. Public Liability insurance covers these damages and any resulting legal expenses, up to the limit of indemnity.

Automatically Included

• organised and supervised holiday play scheme outings (up to 3 consecutive days away included; longer stays away can be insured on payment of an additional premium)
• fund raising events of a nonsporting nature involving holiday play scheme officials, child members and their families. Other events and circumstances should be advised to Morton Michel for consideration

• visits to conventional purposebuilt children’s playgrounds, provided that the children are supervised in the correct adult : child ratio as set out by your local authority (but see c in main exclusions)
• legal defence costs and expenses incurred with the written consent of Sterling
• food poisoning
• incorrectly administered first aid treatment
• administration of medicines and drugs in accordance with policy conditions
• administration / provision of oxygen, gastro feeding, naso-gastric tube feeding, cleaning and changing of feeding and tracheostomy / tracheotomy tubes and emptying / changing stoma bags in accordance with policy conditions
• accidental damage to the regular meeting place for which you are legally liable
• vicarious liability (as decided in a Court of Law)
• children with special needs
• bouncy castles used by the group for the children attending the group (or other children in their family) in accordance with policy conditions
• use of trampolines in accordance with policy conditions
• contingent motor liability – provides cover for the group if a motor accident occurs in connection with group business, for which the group is legally responsible and the car owner does not have the necessary cover in place. This does not replace or include ordinary motor insurance and it does not cover the motor vehicle or its contents. The group must take all reasonable precautions to ensure that any vehicle used has the appropriate motor insurance. (Morton Michel offers motor insurance schemes designed specifically to support childcare activities. To find out more details about this specialist cover for private cars, people carriers and mini buses, call 0800 975 4898.)

Territorial Limits

• anywhere in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands.

Main Exclusions

• provision of advice or breach of professional duty
• sale or supply of medicines, drugs, syringes, dressings or medical supplies or equipment of any kind whatsoever
• property belonging to your holiday play scheme or in its care, custody or control (other than the regular meeting place)
• personal property of any staff, children and members attending the holiday play scheme
• use of aerial runways, scrambling nets, tree walks and other structures which have been constructed or partially constructed from materials not originally intended for play or recreational use, eg: telegraph poles, tyres and drainage pipes; (please refer to Morton Michel if in any doubt)
• liability arising out of asbestos and its derivatives
• terrorism, war and kindred risks
• fines, penalties or liquidated, punitive or exemplary damages
• treatment (other than first aid treatment, the adminsitration of drugs / medicines in accordance with policy conditions and the adminsitration / provision of oxygen, gastro feeding, naso-gastric tube feeding, cleaning and changing of feeding and tracheostomy / tracheotomy tubes and emptying / changing stoma bags in accordance with policy conditions)
• inflatable play equipment other than bouncy castles used by the group for the children attending the group (or other children in their family)
• activities not advised to and agreed in writing by Morton Michel.

Employers’ Liability Insurance

Limit of Indemnity £10,000,000 (£5,000,000 if arising from terrorism.)

If you are an employer, you are required by law to have Employers’ Liability insurance. This covers you in case an employee suffers an accident at work for which you are held legally responsible. Employees include paid or unpaid supervisors, students, work experience students, trainees and volunteers.

Automatically Included

• legal costs incurred in the defence of criminal proceedings in respect of a breach of the Health and Safety at Work etc Act 1974 – limit £10,000 in any one period of insurance
• legal defence costs and expenses incurred with the written consent of Sterling.

Territorial Limits

• Anywhere in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands.

Legal Expenses

Limit £50,000 any one event

Cover, which is provided by DAS Legal Expenses Insurance Company Limited (DAS), will pay

your legal costs including solicitors’ and barristers’ fees, court costs, expenses for expert witnesses, attendance expenses and accountants’ fees.

Automatically Included

• employment disputes and compensation awards that might arise with your employees (such as unfair dismissal)
• legal defence in the event of a criminal prosecution arising from your business activity (such as alleged child abuse of the the children attending your group)
• a legal representative to support you if you are asked to go to the police station for a matter relating to your business
• taxation disputes with HM Revenue and Customs
• contract disputes of over £250, if a parent breaks with your contract terms
• recovery of a debt of over £250, if a parent fails to pay for your services
• legal action to obtain compensation or an injunction following damage to, or trespass on, your property
• legal action to obtain compensation for death or bodily injury
• loss or registration.

Main Exclusions

• costs and expenses incurred before the written acceptance of a claim by DAS
• any civil claim which does not offer a reasonable prospect of success.

Helplines - Available 24 hours a day, 365 days a year

You will have access to dedicated helplines, provided by DAS, that will give you professional advice and support at any time of day or night on issues relating to tax, legal matters, health/medical information and domestic emergencies as well as a counselling service.

Advice is given on

• Tax: including VAT, self-assessment income tax and Inland Revenue audits.

• Legal Matters: including employment and contract disputes.

• Health and medical information: including food allergies, medication, childhood illness, vaccinations, nutrition and exercise.

Help is provided through

• Emergency repair support: giving access to approved contractors for plumbing, electrical, gas and roofing repairs (you will be responsible for the cost of the repair).

• Confidential counselling: a valuable support service to help you through those difficult times, whether because of stress, anxiety, depression, relationships, bereavement or health related. It includes onwards referral to relevant voluntary and/or professional services, where appropriate.

Optional Extras

For:

• Equipment insurance Call Morton Michel on 0845 257 0118

For:

• Motor and minibus insurance Call 0800 975 4898

Special Condition

Customer Service Information

Demands and Needs
Morton Michel does not make recommendations or provide advice. The Holiday Play policy has been designed to meet the demands and needs of holiday play schemes but you will need to make your own choice as to how you wish to proceed.

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