| Author | Message | ||
     Karen Blair-Imrie Username: Karenb Registered: 02-2007 |
Thanks for your reply. I do understand that members of IHDT are covered, via the BHDTA insurance. My question seems to have narrowed down to whether non-IHDT members who enter an IHDT competition on a Scottish entry form are covered by the SCDA? You wrote: "If any organisers of our events takes entries from non IHDT UK members the insurance LIABILITY IS THEIRS not IHDT UK. Unless the event organiser is a BHDTA Affiliated Club then that Club's affiliation will cover non IHDT UK members." This is clear, but I don't see anywhere on the Scottish entry form a declaration that the competition is being run by the SCDA. It just says, 'Scottish Indoor Horse Driving Trials' at the top, and, at the bottom, 'I agree to abide by the rules governing this competition.' Given that there is no mention of the SCDA on this form, I fear that no insurance company in the world would feel bound by it, should the worst happen. In that case, the individual event organiser (and/or the venue owner?) would become liable. Sorry to bother you with this; I think that any further questions I have must be on the SCDA site. Thanks for your replies, everyone. | ||
| IHDTC Office Username: Ihdtcoffice Registered: 01-2003 |
Please let me make this clear once and for all. To compete at a Indoor Horse Driving Trials UK qualifying event for the Carriagehouse Insurance British Championship ALL competitors MUST BE MEMBERS of IHDT UK before they compete, regardless of region, be it England, Wales or Scotland. If people compete at IHDT UK events and are not members they are NOT INSURED by IHDT UK insurance that is via affiliation to BHTDA. We regretfully had to put our membership fees up this season to cover the extra expense of the ever increasing cost of BHDTA affiliation. If anyone competes at our events and is not a IHDT UK member then they can not expect their insurance needs to be covered by us, by you, the fully paid up IHDT UK member. If any organisers of our events takes entries from non IHDT UK members the insurance LIABILITY IS THEIRS not IHDT UK. Unless the event organiser is a BHDTA Affiliated Club then that Club's affiliation will cover non IHDT UK members. Entry forms are available from this website, there is no excuse for not using the correct form. Up to date IHDT UK Membership number MUST BE ON THE ENTRY FORM, they will be checked! ONLY fully paid up IHDT UK members can qualify for the British Championship. I hope this has made the insurance matter a bit clearer. | ||
| Karen Blair-Imrie Username: Karenb Registered: 02-2007 |
You know, Mike, you're right. I just looked at the entry form. I must say, this is very confusing. The SCDA runs events - both points league and non points league - throughout the spring, summer and fall. But there is usually some control by the SCDA over the event. We have health & safety guidelines issued to organisers for each event, even grassroots events such as my own, and rules under which the event is run. Competitors MUST be insured to compete. If an IHDT event is run under the entry form of the SCDA, whose rules are we following? And who is insuring competitors, stewards, etc.? The IHDT entry form says - "I agree to abide by the Rules governing Indoor Horse Driving Trials." That's fine for IHDT events at which everyone is an IHDT member. The Scottish IHDT entry form says - "I agree to abide by the rules governing this competition." It doesn't, however, clarify which rules it means, SCDA or IHDT. Then it says - "I have read and understand the Health & Safety statement and accept the Disclaimer of Liability." I couldn't find a health and safety statement on the IHDT site; where is it? Or doesn't this refer to IHDT at all? Really not understanding this :-) | ||
| Mike Watts Username: Mikew Registered: 10-2006 |
Karen - thanks - my mistake then on SCDA. However, the special "Scottish indoor horse driving trials" entry form on the SCDA web site has a tick box for belonging to SCDA followed by "If you are NOT a member of one of the above, please give (insurance) details here:" - so if SCDA doesn't cover its members you might want to get that clarified. | ||
| Karen Blair-Imrie Username: Karenb Registered: 02-2007 |
Hi, Mike, Well, this is of course the ideal situation, but it doesn't always apply. For example, I have driven in indoor events for several years now, yet never belonged to the IHDTA. And I'm not the only one. The SCDA does not run any indoor events. Our insurance cover is only for SCDA events. The indoor schedule is published in our omnibus as a courtesy only; Scottish indoor competitors also receive their awards at our AGM. If a driver competes in an indoor event in Scotland, he or she must be covered by some insurance other than that offered by the SCDA. For example, the event being run this weekend at Sessnie near Aberdeen is not an SCDA event, and drivers there will not be covered by SCDA insurance. Another issue is, as you point out, the entry form. What if there isn't any entry form? What if you just show up and pay on the day? What is the insurance situation then? | ||
| Mike Watts Username: Mikew Registered: 10-2006 |
Karen, in order to keep this clear, all competitors must be members of the IHDT - see the rules which say "4.1 All competitors must be members of the Indoor Horse Driving Trials UK. This membership affords competitors personal liability insurance for the duration of the event but not personal accident insurance cover. It is strongly recommended that drivers have further insurance cover for all driving activities they undertake, the BHDTA offers insurance via membership " Also see the entry form, which says: "IHDT UK MEMBERSHIP No. ..../.... /...... ALL competitors must be members of the IHDT UK - No entry will be accepted unless number stated." The entry form should make it clear which organisation it's under. Some clubs run indoor events - e.g. SCDA. Their entry form requires insurance details, although they run to the IHDT rules which require membership of IHDT, so I'm unclear on this. https://www.starimage.co.uk/scda/reference/indoor_entry_form.pdf, https://www.scda.co.uk/ | ||
| Karen Blair-Imrie Username: Karenb Registered: 02-2007 |
Hi, all, Having just been discussing insurance in another thread, I wondered what the situation is in indoor driving. If a competitor drives at an official indoor event but is NOT an IHDTA member, what happens if they hurt themselves or their horse? Who do they sue? Or what happens if they knock over a steward; who does the steward sue? Is it sufficient to have BHDTA or other horsey organisation insurance? How do we know that the venue is insured against third party injuries? And is there some list in the IHDTA office that keeps track of these things? Also, are all indoor events run under the auspices of the IHDTA? And how do we know if they are? Insurance. Such a vexed issue :-) And I such a luddite... |