HET GARAGEKOOR
Choir insurance
Did you know that as a choir member you are insured? This is one of the purposes of your 'voluntary contribution'.
Read all about your voluntary contribution on the ' Support us ' page.
As a choir we are a member of the umbrella organization Koor&Stem . This means we are automatically insured for civil liability (BA), which is required by law for every association.
What does 'Civil Liability' mean?
Is someone else being harmed because of your mistake, carelessness or negligence? Then you are liable for that. This means that you are obliged to compensate the victim: you repair the damage or pay compensation.
The 'civil' indicates that the damage is caused by one citizen to another citizen and not, for example, to the state or to a government agency.
Example: When moving the piano, you twisted the keyboard cover because you pulled it while dragging it.
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Legal dental insurance
In addition, the Koor&Stem membership fee also includes legal expenses insurance included. It offers assistance to the insured to support, handle and follow up an insurance file regarding damage caused by third parties. This often applies to legal costs ("civil recovery") and attorney's fees ("criminal defense").
Bodily Accident Insurance
The core group of the Garagekoor has decided to take out additional Physical Accident insurance.
Both the choir members and the volunteers (e.g. someone who films during the performance) are insured by Koor&Stem for physical accidents during the activities.
Example: because of you, a choir member loses his balance and falls, resulting in a sprained wrist.
So what is civil liability insurance?
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Is someone demanding compensation from you? Then your insurer will defend you against this.
Do you appear to be liable, therefore 'at fault'? Then your insurer will reimburse the victim.
The condition is that you caused the damage unintentionally .
Koor&Stem's BA insurance reimburses damage caused to all persons other than the insured, if a clear link can be proven between the fault of the insured and the damage to third parties. In other words: liability must be proven.
Entrusted property is also included in the Koor&Stem policy. Think of musical instruments, light and sound installations...
If no one is liable, accident insurance can offer a solution.
Physical accidents on the way from home to the place of activity (rehearsal or performance) and back are also covered. As far as taking the shortest route and doing it within the normal time . That is the time needed to travel the shortest route after leaving your home or after finishing the choir activity.
The advantage of this policy (which K&S offers) is that in a claim file there is no question of liability or "damage as a result of an demonstrable error". This means that if you suffer physical damage due to an accident, you are assured that the insurance will cover the costs. The medical costs that are reimbursed are those costs that you still have after the RIZIV ('the health insurance fund') has intervened.
Damage to glasses, contact lenses, clothing and personal items is not covered by Koor&Stem's insurance.
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