ARMA offers affiliated Group Members access to a tailored insurance program, designed specifically for recreational motoring clubs and their activities. This coverage is not resold by ARMA—doing so would be against the law. Instead, we extend the coverage from our own organisational insurance policy to our group members, with a small contribution added to membership fees to cover the cost.
Our group insurance package offers essential protection across the most common risks faced by recreational motoring clubs and their members:
Provides protection for personal injury, property damage, and advertising claims where your club may be held legally responsible. This applies even if there is no proven negligence, ensuring peace of mind during approved and organised group activities.
Safeguards committee members, officers, and volunteers against claims involving breaches of professional duty. This applies to those acting on behalf of the club and ensures legal protection for governance-related responsibilities and actions.
Supports members in the event of serious injury or death during recognised activities. Coverage may include income replacement, medical expense assistance, and other benefits to reduce financial impact on members and their families.
Insurance applies to approved club activities such as trips, training, fundraising, and community work. Conditions apply, including excess payments, excluded activities, and the need for clubs to register member details annually.
The policy is designed to support a wide range of typical 4WD and club-related activities, including:
Note: Conditions apply. Excluded activities, policy excesses, and other terms will be outlined in the policy documents.
For full details, eligibility requirements, or to register your group for inclusion under ARMA’s policy, please contact us directly. We’re committed to helping recreational clubs stay protected, compliant, and confident while enjoying access to Australia’s great outdoors.
ARMA is a community-focused organisation that advocates for public land access and protects the rights of recreational users across Australia.
