Material Damage Insurance Cover for a Community Organisation through Council

The purpose of the Community Organisation Insurance Policy is to allow incorporated Community Organisations with property located on Council land to benefit from Council’s collective insurance arrangements through competitive insurance cover for property assets.

The insurance year starts 1 November and finishes 31 October.

To read WDC's Policy on Community Organisations Insurance Arrangements Through Council Click Here.

Terms and Conditions:

Initial valuation for insurance purposes

Any initial valuation costs required to bring the organisations property onto the Material Damage and Business Interruption insurance schedule is to be reimbursed by the organisation. Subsequent revaluations, occurring every three years thereafter will be at Council’s cost.

The premiums are passed through from Council’s own material damages and business interruption policy based on the insured value of the property as declared and held on Council’s Material Damage and Business Interruption insurance schedule.

Payment of premiums

The organisation agrees to pay on the 20th month following receipt of a tax invoice the premiums for the property to be insured. The Organisation shall be liable for all costs of collection and legal fees incurred by WDC in recovering any amounts not paid in accordance with these terms. Council reserves the right to charge 2% interest per month for any overdue amounts past due by date.

Administration fee

The organisation agrees to pay the administration fee to cover reasonable costs for arranging the insurance cover and administration of the insurance arrangement.

Alteration of the Arrangement

Council may amend the Terms and Conditions of this arrangement by giving notice in writing.

Duty Disclose

The organisation has a continuous duty to disclose in writing to [email protected] any material facts that could affect insurance cover at all times. Material facts include, but not limited, to any change to the insured property, the use thereof and any change to the purpose of the organisation or incorporation status (if in doubt, please disclose).

In the event of a claim

In the event of a claim for damage, Council will facilitate the claim process.

Termination of the Arrangement

Should the organisation wish to terminate this arrangement, notice to that effect is to be received by Council prior to Council submitting it property insurance schedules to its broker for the next insurance year. (Schedules are normally submitted in July for the following 1 November insurance year).

Should Council wish to terminate arrangement sufficient notice in writing will be made to the organisation to ensure adequate time is available for the organisation to make alternative insurance arrangements (minimum two months).