Public Liability Insurance is risk insurance to cover the risk of being sued.

Members, committee, tutors, volunteers and members of the public may make a claim for injury on a U3A but must prove that the U3A concerned has been negligent.

All authorised U3A activities attended by members and official guests are covered under the policy, regardless of the venue.  All authorised U3A activities are acceptable, but high risk programmes such as Cycling, Bush Walking, Canoeing, Sailing, Strenuous exercises etc must be authorised. As individual U3As do not deal with the insurance proposal, this being organised by the U3A Network, mention of these activities may be made directly to the Network Treasurer, Bert de Hosson,  at the relevant time.

Please Note: the Exemption : “Policy excludes liability arising from participation in any sporting activities” refers to competitive sporting activities. Hence, while table tennis is covered, a table tennis competition is not. Also, body contact sports are not covered by the policy at all.

For one off events such as Open Days and concerts, these are also covered but if the attendance is to be 250 or more Aon Risk Solutions requires notification.

There is no upper age limit for Public Liability Insurance for U3A. The minimum age is 8!

Cover is only for the duration of the activity, not from the time one leaves or returns home.

Individual insurance queries should be directed to the Treasurer. (details below)

Insurance policies for Accident and Property Damage or Theft are available through Aon Risk Solutions.  The Network does not offer such cover as each group has its own specific requirements.  This type of insurance is covered by separate policies issued to each individual group upon application.  You can download information from the Aon Risk Solutions website: .  Or you can contact them by telephone either 1800 123 226 or 02 8623 4000 or email at

For further information go to the Aon Risk Solutions website:

The attached COVERAGE SUMMARY from our brokers and copy of the INSURANCE POLICY are for your perusal.

If you have paid your premium and your U3A is not named on the Coverage Summary, please contact Treasurer as soon as possible.

Best Wishes