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MACI Insurance...

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Fred:
Quick question for the specialists...

I have received my MACI membership card (Thanks Joe !  :D )...
Never read what on the thing, and I don't know why, but in a bored moment, had a look at the back of the card...

The card don't cover you in events ?? Is it right ?

I can't find detailed informations about that...

Does that mean if I break something in Retroplane, in France, I am not covered ??

If someone have a clear answer...  :?:

Ron:
A clear answer?
From insurance?
That would be a first :cry:

My card says, like everyone's, on the front:
"... to fly model aircraft in contests and at approved flying sites".
Now does this mean only at approved flying sites?
Which sites are approved, and by whom?

On the front it also says:
"The above registration number must be displayed on all models for insurance cover to apply".
Does that mean I don't have insurance because none of my models have the number displayed?

On the other side it says:
"Flying at displays is not covered except subject to special MACI regulations".
OK, so I won't do displays.

Confused of Bantry. :?

Alan_Perse:

--- Quote from: "Fred" ---Quick question for the specialists...

I have received my MACI membership card (Thanks Joe !  :D )...
Never read what on the thing, and I don't know why, but in a bored moment, had a look at the back of the card...

The card don't cover you in events ?? Is it right ?

I can't find detailed informations about that...

Does that mean if I break something in Retroplane, in France, I am not covered ??

If someone have a clear answer...  :?:
--- End quote ---


Looking at my card it say that it does not cover you at displays. Since Retroplane is an event and not a public display you should be all right (I assume its not a display Fred). But don't take my word for it, thats just my opinion.
It also says on the card "Coverage in Ireland and Europe"

garrykeogh:
Hi Guys,
Fred, you might check in here and if you do here is what I have taken from  many insurance discussions.
I have had in-depth conversations with Liam Butler, the MACI treasurer who currently negotiates the insurance and with Liam Broderick who used to.  The mere posession of a MACI card with B certificate status does not extend the group scheme to cover you flying in a public display.  MACI has a special form that is used to extend the group scheme to cover public displays and there is much detail submitted on this form.  A public display implies that there will be a public gallary or gallaries densely populated with spectators... a very dangerous thing to hit!  At a meeting, fly-in or competition event, the spectators are incidentally there as opposed to being the raison d'être.
Basically if you have paid up your MACI subscription to include insurance you have public liability insurance in Ireland, UK and Europe.  It was explained to me like this...

MACI insures the global risk associated with approximately 1000 paid up members.  The risk is based on the majority of these being paid up members of affiliated clubs. To affiliate as a club your field and general safety rules must comply to the guidelines supplied by MACI.  Each individual person flying with insurance must have taken at least an A certificate or must be supervised by a person who has.  As the A test includes questions specifically relating to the MACI code of safe conduct, then the A certified pilot or person supervised by this person will typically conduct themselves in accordance with the code of safe conduct e.t.c.
You can see that there is some attempt made by MACI to keep people within certain limits of behaviour and this is the risk that is covered by the policy.  There are also additional notified risks that are globally covered by the insurance including flying from non-permanent sites (hillsides) and the temporary cover of us when we fly abroad.
There is no question that if you fly at an event that is organised so as to be comply with the guidelines of the local insurance (i.e. with formal organisation, controls, safety plans e.t.c.) and you find yourself liable for thrid party damage or injury then your MACI policy will cover you.  It is used by all sorts of fliers overseas at events and competitions.

Why do I feel I know the answers?

I had a long conversation with Liam Broderick who used to negotiate this policy and was interrested to know if we were covered flying on the slopes of south wales.  I was told YES

I have since spoken about how the cover is "implied" to a visitor or new guy in our club when they are taking instruction from me.  Even though they have never submitted their name to MACI, my cover transfers to them because I have an A & B certificate (have answered the code of safe conduct questions) and they are flying at a site that complies with the MACI guidelines.  In theory the additional risk above that negotiated is negligeable within these constraints... i.e I am not going to stand there doing or saying nothing while a novice standing beside me howls around the heads of bystanders and thrid party property.

A little bit wordy... sorry!  Hope that this gives you some comfort.

Garry

garrykeogh:
Ron

Two of your questions can be answered quite easily.  

One answer is in my big post above.  There was slope flying before any of our policies were ever negotiated and the underwriter of the MACI policy also underwrites the BMFA.  Slope sites can not be regimented and controlled like a power flying site but the risks as historically demonstrated are included in those insured under the policy.  You are therefore insured flying on a hillside even though it is not "approved" like a club site.

I have checked and the answer to the registration number is... Put it on your plane!  It is a requirement that we carry our reg. number.  You can blame the guy (novice and not a member of any club or MACI) who managed to take off a large powered airplane in the Phoenix park fitted with a co-pilot stabilisation system. He couldn't as a novice over power the gain setting on the co-pilot and watched the plane go out of sight, all the while declining offers of help.  The plane disappeared, he collapsed his tranny aerial and disappeared too.  His plane landed itself successuflly on a taxi way in dublin airport, I was told while Mo Mowlan was approaching the airport during the height of the peace negotiations.  This is also when we lost the EI and were all classified as IRL's

Don't hesitiate to fly at a display if you are competant to do so.  Just fill in the form on the MACI website and send it to Liam Butler

Garry

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