Coverage
What is covered?
Please refer to the following policies for information about what is covered by the Harness Racing Victoria insurance program. The insurance program aims to ensure that Clubs, Drivers, Trainers, Officials and Members are provided comprehensive insurance coverage.
Personal accident
The Harness Racing Victoria insurance program covers all licensed trainers, licensed drivers, licensed stable hands and all approved third parties.
Public & Products Liability
The Policy is designed to protect Individuals and Clubs with respect to their legal liability arising from third parties in relation to personal injury and property damage.
Management Liability
The Policy provides protection for Clubs and its Directors, Officers and Committee Members as a result of any alleged wrongful act whilst undertaking their roles in an official capacity.
Professional Indemnity
The Policy provides coverage for an Insured's legal liability for breach of professional duty resulting from an act, error or omission committed by or on behalf of the Insured.
Should you wish to learn more amount these Policies, please click below
Submitting a claim
Drivers, Trainers and Officials
In order to submit your claim - Please complete the Claim Form
Individual Loss of Income Upgrade
In order to submit your claim - Please complete the Claim Form
Risk Management
What is Duty of Care?
What is Personal Accident Insurance and How does it work?
Risk Management
Certificate of Currency
A Certificate of Currency (CoC) is proof that your HRV club holds a current insurance policy. Typically, local councils or third parties will request to sight your clubs Public and Products Liability CoC to confirm that the policy covers the following party for their respective rights and interests.
In order to request a Certificate of Currency, please complete the below fields.
Couldn't access your Club's Certificate of Currency
Please fill out the form below.
The policy does automatically include the interest of additional parties as follows:
Every principal, in respect of that principal's vicarious or contingent liability for the acts or omissions of one of the Insureds in the performance by them of work for that principal, but subject always to the extent of coverage and the Limit of Liability provided by this Policy.
A Certificate of Currency can be provided naming an interested party in line with the above.
Important documents
Please consult Gow-Gates & HRV for Policy Documentation
Frequently Asked Questions
HRV Clubs
First talk to Gow-Gates, ask for claims staff for the Harness Racing Victoria Insurance Programme.
If this does not resolve the matter or you are not satisfied with the way a complaint has been dealt with, you should contact the Complaints Manager on 02 8267 9999 or put your complaint in writing to info@gowgates.com.au or by mail at:
Complaints Officer
Gow-Gates Insurance Brokers
GPO Box 4731
Sydney NSW 2001
Please mark the envelope "Notice of Complaint". We will endeavour to resolve your complaint quickly and fairly.
If your complaint cannot be resolved to your satisfaction within 21 days, you may have the right to refer the matter to the Australian Financial Complaints Authority (AFCA).
Councils cannot be noted as a named Insured on the Policy.
They can be listed as an interested party on Certificates of Currency, which is a legal document that demonstrates you have Public Liability Insurance. Please click here to request a Certificate of Currency for your Public Liability policy.
A spectator who is injured cannot make a claim on the Sports Personal Injury policy.
If a spectator was injured and decided to seek damages from the club alleging the club's negligence, then the General Liability policy would respond. Important, you must not admit Liability without the Insurers consent. Any claim made by a spectator must be referred to the Insurer as soon as possible for their instructions.
Yes, your Public and Products Liability Policy extends to cover HRV affiliated Clubs and Associations fundraising activities including presentation nights, membership drives, sausage sizzles, trivia nights, etc.
For confirmation of coverage for events, please consult Gow-Gates.
HRV Participants
First talk to Gow-Gates, ask for claims staff for the Harness Racing Victoria Insurance Programme.
If this does not resolve the matter or you are not satisfied with the way a complaint has been dealt with, you should contact the Complaints Manager on 02 8267 9999 or put your complaint in writing to info@gowgates.com.au or by mail at
Complaints Officer
Gow-Gates Insurance Brokers
GPO Box 4731
Sydney NSW 2001
Please mark the envelope "Notice of Complaint". We will endeavour to resolve your complaint quickly and fairly.
If your complaint cannot be resolved to your satisfaction within 21 days, you may have the right to refer the matter to the Australian Financial Complaints Authority (AFCA).
Health Insurance Act 1973
Unfortunately, the Health Insurance Act 1973 does not allow a policy of this type to cover expenses for which any Medicare rebate is made.
126 Prohibition of certain medical insurance (1) A person shall not make a contract of insurance with another person that contains a provision purporting to make the first mentioned person liable to make a payment in the event of the incurring by the other person of a liability to pay medical expenses in respect of the rendering in Australia of a professional service for which Medicare benefit is, or but for subsection 18(4) would be, payable.
Medical expenses for which there is no benefit payable by Medicare are still claimable. These include Ambulance, Physio, Private Hospital Accommodation and Dental amongst others.
These expenses are not eligible for reimbursement through Medicare and thus cannot be claimed via Medicare.
Such Non-Medicare Medical Expenses include physiotherapy, osteotherapy, chiropractic treatments, dental services, ambulance transportation, and private hospital accommodation. These costs are claimable under the Policy up to the maximum Policy benefit. Please note that there is a $50 excess applicable to non-Medicare medical expenses.
Participants are not considered employees of HRV. This is regardless of if you receive payments from HRV for your drives and/or prize money.
If you are employed by a trainer and fulfill roles such as stable hand, receiving wages, it is expected that they hold a WorkCover policy that covers you. However, if you are not covered by such a policy, you may have the option to make a claim for loss of income through HRV's Personal Injury policy.
