Affiliated clubs benefit from £25M Third Party Civil Liability indemnity, the cover includes the following extensions

Committee Cover

The Indemnity is extended to the Committee Members of any affiliated club and all lawful club activities are also indemnified.

Event Cover

The indemnity is extended to cover any liabilities arising from holding a model flying event, including club open days, fly-ins and public shows. Clubs should complete and return an Event and Public Show form from the office, upon receipt of the form a confirmation of cover letter is sent to the club. (Subject to approval)

Landowner Cover, including the MOD

Indemnity is automatically extended to any Principals (Landowners, Schools, Local Authorities, Government Departments etc.) whose land or premises is used by any BMFA affiliated club.

First Time Inexperienced Flyer Cover

Club indemnity is extended to cover first time visitors to a club who have no previous experience but are seeking to try out model flying prior to joining the BMFA and the Club. Indemnity under this First Time Inexperienced Flyer provision will only be in place when flights are being totally organised and supervised by a suitable club member approved by the Club Committee. The limit of this indemnity is 3 separate day visits for any single inexperienced flyer.

Foreign Visitor Cover

Club indemnity is extended to enable clubs to welcome Model Flyers from Overseas Countries to fly at their club sites during short visits to the UK. In the interest of promoting good international relations the BMFA will absorb the cost of providing this indemnity for a period not exceeding 30 consecutive days for any one overseas visitor in any single membership year. Club Secretaries are required to notify the BMFA, in advance, if this provision is required.

Helper Cover

Employer’s Liability Cover with a £10 million level of indemnity is provided to all affiliated clubs. This covers legal liabilities for damages and legal costs arising from death or injuries caused to employees in the course of their ‘employment’

The definition of 'employee’ in this context includes labour only sub-contractors and volunteers working within the club.

Paid Flying Instruction Cover

The BMFA insurance policy contains indemnity cover for any member who accepts a fee for the teaching of R/C flying. This cover is only available for instruction carried out in the environment of a BMFA affiliated club and not in a commercial organisation.

In all cases, other than those covered by the First Time Inexperienced Flyer provisions, both the instructor and the pupil must be BMFA members.

These Indemnifications are automatically available to clubs on affiliation. Should you have mixed modelling activities in your club, the insurance covers boats, cars, steam powered models and kites. There is no limitation on the size of model aircraft or engines, provided CAA regulations are complied with.

Club Equipment Insurance

Cover is provided completely free of charge to BMFA affiliated clubs up to £10,000 (higher limits can be provided by special arrangement). The policy provides: • Buildings and Contents cover • Reinstatement cover for any items bought new • Indemnity (second hand) cover for any items bought second hand £250 excess • Reasonable precautions – it is expected that clubs will take reasonable care to protect their equipment and for items to be kept in a reasonable state of repair • Planes owned by the club are covered whilst stored, however this does not cover members planes • Theft is subject to forcible / violent entry or exit