CMRA Clubroom Insurance Scheme
The CMRA Clubroom Insurance Scheme is available to all members of the Chiltern Model
Railway Association and is brokered by Magnet Insurance Services Ltd. Association Members will
benefit from a 10% discount off the standard premiums. The policies are also available for non-members
but the 10% discount doesn't apply. The CMRA Clubroom Insurance Scheme provides cover for both liability
and material Loss, to meet most needs of those Clubs or Societies operating from a Clubroom.
Details of Cover Provided
1) Public Liability Cover (Standard Cover)
This section covers all sums (up to the limit of indemnity) which the Insured shall become legally liable to pay as
legal costs and damages in respect of:
The standard Limit of Indemnity is £2,000,000 in respect of any one incident (£5,000,000 is available upon request).
Public Liability insurance covers all members of the Club and specifically includes:
member to member liability
invited clubs and their members
invited individuals
explosion of steam boilers of model locomotives not exceeding gauge 1
liability from food and/or beverage supplied
liability arising from advertising signs erected by the insured Club
liability arising from any passenger-carrying miniature railway covered by this insurance, subject to prior notification and
written confirmation from Magnet Insurance Services Ltd
2) All Risks – Clubroom Contents Cover (Standard Cover)
This section covers loss or damage to the Clubroom contents, including: Layouts, Rolling Stock, Equipment, etc.
The limit for any one article is 5% of the full insured value (Clubroom Contents Sum Insured) or £1,000 whichever
is the greater, layouts excepted. (This can be varied by agreement with the Insurers, subject to prior notification to Magnet Insurance Services Ltd).
In the event of loss or damage, the basis of settlement will be professional replacement or repair, or if the owner elects,
the cost of materials plus a reasonable amount of time expended, subject to the adequacy of the value of the article, as declared by the owner.
An amount of up to 5% of the Clubroom Contents sum insured is covered whilst temporarily removed from the Clubroom premises for
advertising purposes, such as a display in a Building Society office to advertise the Club or an exhibition/event.
This section also provides cover for Club officials' personal effects against fire and theft up to £100 for any one official.
3) Personal Accident up to £10,000 (Standard Cover)
This section provides cover to Club members, whose name appears on the official membership list, if they sustain personal
injury due solely and directly to violence occasioned by external and visible means whilst travelling to, during and returning from the Clubroom
or on official Club business or activities.
4) Buildings (Optional Cover)
This optional section provides cover on an 'All Risks' basis, extended to include rental charges while the Club's own premises are untenable
following insured damage. Cover includes cost of site clearance and architects fees and is on a full reinstatement basis.
General Conditions
Minimum Standard of Security. The Clubroom must comply with the following minimum security requirements:
Final exit doors must be secured as follows:
Timber doors – by mortice deadlocks having 5 or more levers conforming to BS3621 with matching boxed striking plate;
Aluminium doors – by cylinder mortice lock operating a swinging lock bolt;
PVCu doors – by key operated multi-point locking devices, having 3 or more locking points;
The first closing leaf of double leaf doors must be fitted internally with bolts top and bottom;
When the Clubroom premises are left unattended, all locks fitted to final exit doors must be put into effect. All opening windows
or roof lights accessible from the ground floor or via roofs, pipe work or other structures, must be secured by key operated locking devices or screwed
permanently shut.
(Please refer to Magnet Insurance Services Ltd if you are unable to comply with these).
Quotation Request Form and Notes
The CMRA Clubroom Insurance Scheme 2010 Request Form and Notes are available from this Website as a downloadable pdf format file.
This may easily be read and printed by an application such as Adobe Acrobat Reader.
CMRA CLUBROOM INSURANCE SCHEME 2010 REQUEST FORM & NOTES
To download form and notes (130k) right click link above and save target as cmra_clubroom_docs_10a.pdf
If you do not have Adobe Acrobat Reader installed on your PC please click on the following image,
which will direct you to the Adobe website where you will be able to download the reader for free.
However in the event of difficulty downloading the CMRA Clubroom Insurance Scheme 2010 Request Form and Notes, please contact Magnet Insurance Services Ltd for a hard copy.
Clubroom Insurance Scheme Enquiries
For all Clubroom Insurance enquiries, please call Anthony Bound on 01636 858249
or email him at anthony.bound@magnetinsurance.co.uk
All written correspondance including completed quotation request forms should be sent to:-
Magnet Insurance Services Ltd
Aura Business Centre
Manners Road
NEWARK
Nottinghamshire
NG24 1BS
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