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I had the misfortune to decide to do some weeding on common property. I had an accident and ended up with a broken arm.When I asked about insurance ‘as a volunteer’ I read our policy . I didn’t realise you are only covered for Death and/or disability.Would this be the same cover that you would get if it happened in your own home?
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I think there are a number of questions and items here.
1. What are you wanting from the insurance/OC? Medical costs? Pain and suffering compensation? Income replacement for time off work?
Is it more a matter of OC liability, that the OC may then be able to claim back from their insurer? Was there anything that could have been negligence from the OC – eg Trench/hole not covered or marked that caused the arm break.
2. What constitutes volunteering? Did you unilaterally decide to pull up a few weeds in common property, or was it in response to a SC/OC request along the line of “We are having a working bee Saturday morning to cleanup and weed the CP garden. All owners/residents are invited to attend and help in a voluntary capacity.”
3. What would you have done had it been the same in your own Garden? Can you use your own medical/income protection etc insurance to cover
My previous experiences with “volunteer insurance” in other fields has been that you can only claim for costs you might not be able to recover elsewhere.
So, possibly, you would be lucky to get anything for
Medical expenses- covered by Medicare or private insurance.
Time off work- covered by your employer’s leave allowances
Not working? – covered by Centrelink payments.
Perhaps you could do better out of the Public Liability cover if you could prove OC negligence.
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