Page 9 - ALG Issue 4 2021

THE SMALL PRINT: SIGNIFICANT OR UNUSUAL EXCLUSIONS/ LIMITATIONS
a. The policy excludes any damage or
loss, or interruption or interference directly or indirectly caused by or resulting from, arising out of or in connection with or attributable to Coronavirus & related issues.
b. Theindemnityprovidedbythis policy shall not apply in respect of any claim for legal liability to pay compensation for bodily injury, accidental injury or damage directly or indirectly resulting from or in consequence of work undertaken at a height above 5 metres from the surrounding floor or ground level.
c. Theindemnityprovidedbythis policy shall not apply in respect of any claim arising in connection with any heat process carried out by the Insured, with the exception of small, private bonfires.
d. Theindemnityprovidedbythis policy shall not apply in respect of any claim for legal liability to pay compensation for bodily injury, accidental injury or damage directly or indirectly resulting from or in consequence of work undertaken at a depth below 1 metre from the surrounding floor or ground level.
e. This policy does not indemnify the Insured in respect of any claim arising in connection with tree- felling.
f. Special events organised by the insured member are included but professional subcontractors must be used for larger events or events involving additional levels of risk. Please ask for details if you are planning an event. The event will probably, and more naturally, fall under the insurance of your local association.
g. Property owners Liability is not included under this policy.
h. Liability arising from or caused by the ownership possession or use by or on behalf of the Insured of any mechanically propelled vehicle licensed for road use.
GENERAL Q&AS
HOW DO WE KNOW WHAT COVER WE NEED?
This cover is a personal liability cover only.
No one expects you to be the experts when it comes to other areas of allotment insurance. That is why Chris
Knott is available on 01424 205001 to support you and make sure you have the right cover in place for your allotment site.
HOW OFTEN SHOULD WE SEND YOU A LIST OF OUR MEMBERS?
At the annual renewal, details held by NAS are sent out and these should be checked and updated.
GIVEN THAT MEMBERS CAN
JOIN AT ANY TIME, DO WE NEED TO SEND YOU ANY NEW NAMES IMMEDIATELY?
Yes, if you want cover for these members the NAS should be informed of leavers and those joining the association.
THE ALI POLICY COVERS “ACCIDENTAL INJURY TO ANY PERSON OR ACCIDENTAL LOSS
OF OR DAMAGE TO PROPERTY” - DOES THAT INCLUDE THE INSURED PLOTHOLDER THEMSELVES AND THEIR OWN PROPERTY?
This covers the individual for injuring someone else or someone else’s property if a claim is made against them. It does not include damage to their own property or themselves.
WOULD THIS COVER EXTEND TO
MY SPOUSE/PARTNER/HELPER IF THEY WORKED ON MY PLOT?
No. This benefit is per member and not per plot. So, they will also have to be
an individual/life member, or a paid-up affiliate of the NAS via the association to be covered. This is £3.00 per member and not per plot.
IS THERE AN EXCESS?
Currently there is no excess on the policy; however, this will be continually reviewed and advised to all enrolled members should this change.
WHAT HAPPENS IF MY ASSOCIATION HAS NOT INCLUDED MY NAME ON THE LIST OF MEMBERSHIP?
If the association do not include your name and contact details, then you will not be covered.
WILL I BE COVERED IF SOMEONE INJURES THEMSELVES ON MY PLOT AND I AM NOT THERE?
Yes, cover would extend in this circumstance as you would have to be responsible for the injury or damage.
New leaflets available
We are pleased to be able to make available to plotholders a series of leaflets created by the Drought Risk and You (DRY) project, in collaboration with ourselves here at the Society, that address future concerns about water shortages and drought, and how that may affect allotment growing. This series of guides addresses the implications of possible future climate changes (wetter winters, drier summers, and higher average temperatures across all seasons) for allotment growing.
• There may be a need to store more winter rainfall for summer uses
• The growing season may be extended but warmer winters will not kill off pests such as aphids
• Changing climate might affect crop/plant choice to mitigate climate change
• Plots may need to be prepared for periods of intense rainfall in summer that damage crops
Some water management solutions within the leaflets include:
• Practical ways to collect and store more rainwater • Using a watering can and direct water to the base of
the plant
• Watering at the optimum time in the crop’s
development
• Watering in the early morning and late afternoon
reduces evaporation
• Add mulch around plants and/or use no-dig method
The DRY project was founded in April 2014 by a team
of researchers from Loughborough, Warwick, Exeter, Sheffield, Cardiff, UWE, Harper Adams and Newcastle universities with an aim to develop an easy-to-use, evidence-based resource to inform decision-making
for drought risk management in the UK over a four-year period. Representatives from the National Allotment Society, members and other plotholders have contributed their knowledge and experiences to inform the good practice and options outlined in the following leaflets:
• Introduction to drought, climate change and growing • Introduction to sustainable water collection and use
on allotments
• Advanced sustainable water collection and irrigation
on allotments
• Growing drought
resistant crops
on allotments • Ground level
rainwater collection on allotments
• Climate predictions for allotments
All the resources produced by DRY are available here https://dryutility. info/
Allotment and Leisure Gardener 9
Introduction to drought, climate change and growing
Climate change projections for the UK predict: wetter winters, drier summers and higher average temperatures across all seasons.
Being aware of climate change can help you to prepare for likely shifts in average rainfall and temperature on your allotment but also changing patterns of weather extremes.
even though the overall amount of summer rainfall is likely to decrease.
Allotment growers often observe the early stages of drought through their growing. The Drought Risk and You project (DRY) found growers were adapting in creative ways to collect
Summer rainfall may become more intense, which may increase localised flood risk and soil erosion,
water and reduce water use on their plots. Read more: https://dryutility. info/allotment-information/
The DRY project has worked with allotment holders, the National Allotment Society and commercial growers to bring together the knowledge and advice in this guide
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