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I’m drafting a Motion to repair our boatramp at the forthcoming AGM, a owner I consulted wondered if our insurance and responsibility for care actually covers users who venture down the boat ramp below the high water mark. I assumed so, but want to cover that off so some of the cynics don’t use that unsurity to try and fail the Motion vote – which I guess might happen should they be correct. We are seeking a copy of the actual insurance but thought I’d ask in here. Any thoughts?
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The best place to see what’s covered in your insurance is the Product Disclosure Statement. (PDS). It’s issued every time your policy is renewed or available from the insurer.
You may also need to consult the lease for the boatramp from whatever government department you lease water access from in QLd. The lease will have conditions as to what insurances you need to hold .
In reality the OC will be responsible for insurances anywhere near the boatramp. You can be sure that the government will have written that into your access lease.