Out there too many insurance company who provide many different type of policy. Before you decide to buy any insurance here are some point that you should look at:
The limit of cover - how much does the policy cover you for?
Any excess on claims - is there an excess on a claim? If so what is the excess? Is the excess on each and every claim?
What is the geographic scope of the cover - does it cover you and your members when they are interstate or overseas
Be mindful that most policies will only cover your organisation and members when they are acting in authorised activities.
Make sure that you investigate any exclusions - it could well be that these exclusions make the policy irrelevant to you.
If you do require several different policies try and package them together as it can lead to savings.
If you belong to a group that is associated with other similar groups explore the possibilities of "pooling" your insurance needs. This will almost certainly lead to discounts.
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