Insurance
© Hotwells & District Allotments Ltd 2007-2018
Here are some important reminders about insurance and personal safety on our sites. Firstly, if you drive to the allotment, please note that vehicles brought onto our allotment sites remain the full esponsibility of the owner and HwDAA cannot be held responsible for any damage to, or thefts from vehicles. Do not assume that once your car is parked on site that it is safe and to reduce risks, please ensure you close the windows and lock the doors. Likewise, all personal belongings, gardening equipment, bikes etc. are the responsibility of the owner and the allotment association is not liable for claims for theft or damage. Should you need to make a claim, this must be made on your own motor or household insurance policy. You are advised to inform the loss or damage to the Police and request a Crime Reference number which you may need for any claim you make. So that we are made aware of problems, please inform your Site Rep of any such incident. Secondly, if you suffer any personal injury, however minor, while on site, it is very important that you report it using the on-line form on our website (form is on the H&S page here..) or via your Site Rep. Please ensure you are conversant with the health and safety notices that are displayed on each site, giving details of the nearest post codes should an ambulance be required. This same information is also available on the Health and Safety page of the website. If you are unsure when you last had an anti-tetanus booster jab, we advise you to check next time you visit your GP. National Allotment Society - tenants liability insurance National Allotment Society now offering free personal liability insurance to all tenants. Who will benefit from this scheme? This benefit will be enjoyed by all plot-holders (unless you opted out) who have either paid their subscription of £3 per member via an Association to NAS, or are paid up Individual Members of the NAS. What is this product? This is a liability insurance product purchased by the NAS but designed to provide protection to member plot-holders accused of accidently causing injury or damaging property. The benefit is worth up to £50,000 and will pay for defence costs and the cost of any award made. As a member plot-holder you would be protected both at your allotment plot but also if you attend shows / events which are allotment related. You might ask how an individual could enjoy this benefit when the local association buys insurance. Unfortunately, there are a number of situations where members cannot rely on that assumption. Here are a few examples: The association insurance was not renewed but you were not told. (This will not happen in HwDAA) You are away from your local club when the accident took place so the club insurance would not respond. You might have caused an accident that could not be blamed on your local club. For example: you may have operated a lawnmower over gravel, causing stones to fly up or the head of your axe flew off unexpectedly. Any of these situations could cause an injury or damage to property and could result in you being sued.