Interpretation of the Insurance Policy:

If you are a member of the State branch of the Fellowship of the First Fleeters you are covered by the Insurance policy held by them.   Many of our members are part of the North West Chapter of the Fellowship of the First Fleeters only, and are therefore, not covered by this insurance.   You do need to be full members.   If you receive the magazine The Founders you are a full member.   Membership of our Chapter is $10 per year for a family.

Membership of the parent body is $30 per person plus $18 for associates and $10 for juniors.   Application forms may be obtained from the secretary or the treasurer.

The insurance policy is underwritten by Chubb Insurance Company and is part of a blanket coverage actually held by the Royal Australian Historical Society of which our association is a part.

The main aspects of the cover is:

• Public Risk is $10 million with a $1,000 excess per claim.
• Accidental Death $100,000.   This section also has lesser payouts for dismemberment and similar occurrences.
• Weekly benefit for injury up to $200 per week, providing that this does not exceed your normal earnings.   Benefit period is up to 104 weeks.
• Home help $50 per week

The age limit covered is up to age 85.   I am not sure if this also applies to a Public Risk claim and I am very doubtful that this policy covers sickness.

The limitations of the cover is that the accident or incident has to be associated with an activity concerning the Fellowship of First Fleeters although for this purpose it is a 24 hour cover.

I do hope this explains the matter of insurance.   Unfortunately to have a cover for our own Chapter would be a very expensive operation.   All I can say is that it is available if you are or become a member of the parent body.

Yours in Fellowship Warren White, President