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Celebrant insurance - questions and answers

Fine print If you would like our OAMPS Insurance Broker to answer any questions, please send your question  to This e-mail address is being protected from spambots. You need JavaScript enabled to view it
 
1. Who are OAMPS Insurance Brokers?
  • OAMPS Insurance Brokers is a Wesfarmers Company with 850 employees in 28 offices around Australia serving over 120,000 clients. (www.oamps.com.au). They currently offer group public liability and personal accident to a long established celebrant association.  
2. Must I be a registered marriage celebrant to be covered? 
  • No. Cover also applies to general, funeral and student celebrants
3. I live in Tasmania. Would I be covered here?
  • Yes. Cover is Australia wide
4. I have an existing policy. Will I still be covered for past celebrant work if I transfer to this one?  
  • Cover is retrospective should you decide to transfer when your other insurance policies fall due, or not had celebrant insurance previously.
5. My current policy does not expire for another two months. Can I join after that ?
  • Yes. However check the fee rates for 10, 11 and 12 months
6. How is it that this insurance is so much cheaper?

The low rate is based on an estimate of the number of celebrants joining this group policy. The more celebrants to take this policy this year, the lower the fees for next year.
Also the level of cover applies to the group as a whole, not individuals.
Thus an individual cover gives a higher level of protection, but at course that comes at a much higher fee.

To assess the difference so you may make an informed choice, please see:
http://www.accn.com.au/forums/accn-questions-and-answers/185

And in particular, this post:
http://www.accn.com.au/forums/accn-questions-and-answers/185#p541

It is to all celebrants advantage to spread this information to other celebrants, if you are happy with GROUP cover and would like to keep fees low.

7. How long after I have retired do I need to keep myself covered? The cost involved for the Run Off cover, usually applies as follows:
 
1st Year Run Off = 90% of Non Run-off Premium
2nd Year = 80%
3rd Year = 65%
4th Year = 45%
5th Year = 35%
The need to take this cover is difficult to advise, because depends on the Statute of Limitations Legislation that applies to that particular claim.