MAAC has released some information on recent insurance claims.

 

Visit:   http://www.maac.ca/docs/2009/insurancecommitteereport2008.pdf

 

 

Currently MAAC insurance does not cover us when we are flying in locations other that our club field. 

 

The following is a partial extract of the MAAC posting.  The MAAC Directors are trying to change this.

 

For complete information visit http://www.maac.ca/view_news.php?itm=355 

 

or see Model Aviation Canada - April 2009 Edition

 

 

MEMBERS AS ADDITIONAL INSURED
APPLICABLE TO THE COMMERCIAL GENERAL LIABILITY FORM:
The following is added to Section 11- WHO IS AN INSURED -as item 2. (e):
“The Named Insured's members and affiliate members in good standing of the Model Aeronautics Association of Canada, but only while engaging in the operation of model aircrafts, model watercrafts, model vehicles or model rockets at events and activities organized by the named Insured.

This means that ‘individual’ or ‘casual’ members operating models when essentially ‘unorganized’ at a park, a school yard, their home property, someone else’s property, or at a pond or lake are not covered by MAAC insurance.

We have sought coverage extensions without success so far and our broker has advised us that this is unlikely to change in any major way.

Members will have to look to their own personal public liability insurance usually found in a homeowner or similar policy for coverage in these non-club and non-club/MAAC event circumstances. The homeowner policies usually have common ‘aircraft’ exclusions but policies seldom have the term “aircraft” defined in the policy. Our broker points out that when this is the case there is a good argument that Transport Canada’s definition for “model aircraft” basically that being any recreational aircraft that is less than 35Kg, would apply and that “model aircraft” could then be covered by homeowner type policies.

Members may feel that they do not need MAAC insurance if their homeowner policy provides them with coverage. Unfortunately, no coverage would be provided for MAAC, their club, or landlords. It is important that this is clearly understood. As in the past, members’ homeowner insurance could be called into play in any claim.

There is continuing dialogue with our broker to address some language issues on our policy, essentially housekeeping items that we hope will avoid further confusion in the future.