Curlers who are members of curling centres that are affiliated with Curl BC have access to two kinds of insurance, Personal Accident Insurance and deals through Curl BC sponsor belairdirect.
Personal Accident Insurance
All curlers who are members of Curl BC affiliated centres are covered through the Personal Accident Insurance program.
Anyone who curls more than three (3) times per season at an affiliated Curl BC facility must be included in the membership list submitted to Curl BC, which will be used to verify if a curler has coverage in the event of an accident.
Broadly speaking, the policy is intended to provide coverage for injury that occurs as a result of participation in the sport of curling only. If each facility pursued this type of insurance individually, it is estimated it would cost BC curling centres over $50,000 (over twice as much).
Some key features of the policy include up to $15,000 for Accident Reimbursement Expenses, $5,000 for Dental Costs and $3,000 for Fracture Indemnity.
It is important to note that this is not a legal liability policy, which is intended to protect your business from liability arising from negligence that may cause injury to others. This policy is intended to be for the benefit of the individual club member who has suffered an injury as a result of participating in the sport of curling. It does not require there to be any negligence in order to trigger coverage. For information on liability coverage, visit:
Curling centres in BC can get property and liability insurance through the The National Curling Centre Insurance Program, a separate policy.
Procedures for including Drop-In Curlers as part of the Personal Accident Insurance Policy:
- Curling centres must maintain a drop-in list at their centre and include the full name of each individual to be covered by the policy. It is recommended that each drop in group be required to sign a waiver form with all participants’ names listed prior to stepping on the ice.
- Curling centre must submit their “Drop-In” list annually, including the names of all individuals who participated, by April 15th.
- Curl BC will invoice curling centres who have opted in for drop-in insurance within 14 days of submission of their final list.
Definitions of type of curlers:
Regular Curlers: Anyone who curls in a regularly scheduled league at an affiliated curling centre, whether that league is organized by the curling centre or by another outside group (commercial league, rental league, Masters league, etc.) must be included on the list of Regular Curlers. This also includes participants in provincial playdowns who may or may not play in regularly scheduled league but who are fully paid members, representing your facility at competitions. Curling centres pay affiliation fees to Curl BC based on $18 per Regular Curler registered at their centre.
Drop-In Curlers: Anyone who curls three (3) or fewer times in a curling season does not need to be included on the list of “Regular Curlers” and will not be included in affiliation count. However, curlers in this category can receive personal accident insurance if their curling centre pays an additional $1 for all drop-in curlers at the centre and includes their full name on the “Drop-In List” provided to Curl BC for reporting purposes.
Curl BC club members and their families can benefit from an exclusive discount on their car, home, condo and tenants insurance, on top of any other discounts, savings and benefits customers are already eligible for at belairdirect.
Curl BC club members and their families also receive My Name® Identity Theft Assistance Plus at no additional cost as well as the following enhancements on their home, condo or tenant policies:
- Increased limits for business property on and off their premises
- Increased limit for bicycles that are lost or stolen
- Increased limits for coin or banknote collections, stamp collections, collectible cards and comic books
Help support curling in BC
In addition to saving money on your insurance, when you purchase a residential or auto insurance policy with belairdirect, you will also be supporting curling programs in BC. For each new policy purchased or renewed by a Curl BC member, belairdirect will donate part of the premium collected to Curl BC, which in turn supports curling programs and events.
Who is eligible for this offer?
The following people are eligible to participate provided they reside in British Columbia: athletes, coaches, team managers, officials, volunteers, alumni, employees and their families.
How do I take advantage of this offer?
To get started, call us at 1 844 357.1970 and mention that you are a Curl BC club member to get your exclusive premium. It’s that simple! It’s worth seeing how much you could save with belairdirect!
Offers may change without notice. Certain conditions, limitations, exclusions and eligibility requirements apply to all offers. Not everyone will qualify for a phone or online quote. belairdirect only offers home insurance, travel insurance and optional auto coverage in British Columbia. Visit belairdirect.com for more details. Insurance products underwritten by Belair Insurance Company Inc. Services provided by belairdirect Agency Inc. ©2018 belairdirect Agency Inc. All rights reserved.