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COVID 19 Update – AIM help for Members

This has been an extremely distressing and stressful time for us all and we are acutely aware of how severe the impact of this pandemic has been for all our Members.   We have been working hard to be able to assist you and to answer your requests for payment holidays while many of you have businesses which have closed and all have cashflow problems.

AIM wants to do all we can to assist our Members. 

Those who have paid their contribution in full as one payment are being contacted separately.

For those Members who make monthly payments, we are offering a 3 month holiday break from payments for the period 1st May to end July 2020.  During this period, we will not expect you to make the usual monthly payment, and will allow until 30th September 2020 for these payments to be paid.  Your cover will continue.  If however you have any claims during this period (liability or property), we will need to receive payment in full for any missed months before being able to handle any claim for you.  If you are unable to make the payments by the 30th September 2020, please contact us.  If payments cannot be made up then we may have to cancel your cover.  If you do not want to have the payment holiday, please let us know immediately, otherwise we will not take any monies for these three specified months.

Alternatively if you are not able to carry out any activities, and only have Public Liability cover, you may prefer to pause your cover for a 3 month period until 31st July 2020, or until you are able to resume activities if earlier or later.  During this period, we would not seek any contributions from you if you have requested a pause in your cover but there would not be any cover in place during this time.  You will need to advise us as soon as you are able to recommence activities so we can ensure you have the correct cover in place.

Property and Employers’ Liability covers continue and we recommend to Members that you keep these covers in place.  These contributions will still be due, but are included in the payment holiday as above.

Business Interruption

In addition we wish to reassure Members that we have been in correspondence with the Mutual’s backing insurers regarding the Business Interruption wording and whether or not cover will be afforded by the insurer.  Those discussions continue and whilst the current position remains that it is unlikely that cover will be available, we are reserving our position with them.  We will update Members with any developments, albeit this may take some time.

 

COVID 19 – AIM Latest Update

Supporting our Members through COVID-19 – UPDATE 2

It is hard to believe that just a few days ago we were all going about our daily lives. What a difference a week makes!

AIM will be producing regular updates on the COVID-19 situation around the UK and how it is affecting our Members and focusing on the positives. In this second update we summarise the last 7 days; answer the question of what to do to protect your buildings while they are temporarily closed; Help from AIM and the Government.

This week

After the weekend where everyone was advised to practice social distancing but to still get some exercise, on Monday, Boris Johnson announced that stricter measures would have to be rolled out because people weren’t taking COVID-19 Seriously. Images and videos were widely shared of large gatherings in parks and queues of people travelling to the Highlands and Snowdon like it was a Bank Holiday. Non-essential shops were closed and everyone was told to stay home except for essential travel to work, buying food and caring for vulnerable people.

On Thursday, the Chancellor, Rishi Sunak, announced the long awaited support package for the self-employed and the Prince of Wales tested positive to COVID-19. In the evening people across the country came together to give a group round of applause from their doorsteps, gardens and balconies to NHS workers on the front line.

Today, Boris Johnson announced he was displaying mild symptoms and had tested positive.

AIM Members have been contacting us by email, phone and social media asking questions and sharing their experiences with us. We are so grateful for the words of support and the positive attitude from everyone. Despite the very difficult times you find yourselves in, there is a real feel of community. To repay your support AIM is working hard to respond to all the enquiries as quickly as possible as and when we have the answers as well as work on ways to ensure the cost of your cover isn’t an unnecessary drain on your finances.

Your Questions Answered

One of the common questions this week has been about property and what steps need to be taken to ensure cover is in place while your sites are closed.

To a certain degree, the usual rule book has to be thrown away because of the restrictions on your movement and how easily you can visit your premises. Furthermore, and to ensure you are not unfairly penalised, there will be no reduction in cover, no higher excesses or increased contribution as a result.

For premises that are temporarily closed because of the COVID-19 outbreak we recommend the following steps should be taken to protect against loss of damage.

  1. Utilities and Protection Systems

If your site is closed and there is no need to re-enter during the period in which the government advises people to remain in isolation you should turn off electricity, gas and water supplies at the mains (and where reasonable to do so drain down water systems) other than those services required to maintain:

    • critical business infrastructure to allow the operation of your business and support temporary home working arrangements
    • burglar and fire alarms
    • sprinkler systems
    • Other risk protection systems or devices i.e. CCTV.

Where practicable, you must maintain these systems in working order

    • locks and all other protective and security devices including gates and other perimeter security should be in use
    • where water systems have not been drained down and/or where there is a sprinkler installation you must maintain the central heating system to prevent freezing
  1. General good housekeeping
    • You should try to remove all internal waste and position external bins as at least 5 metres from the buildings (or otherwise as far as possible where this is not possible) and secure the bins in position where this is possible
    • Where possible and provided the travel to and from the premises is in line with the latest Government advice please try to undertake an internal and external inspection of your buildings at least every 7 days and rectify any defects in the fabric or security devices that may compromise the integrity or security of the building as soon as possible. It is advisable to keep a record of when the visits were carried out and what action you undertook to repair defects.
    • Please remove post from the letterbox during each visit
    • If you have an alarm that alerts you to either a break in or fire, it worth considering having a contingency plan in case the primary person(s) responsible for responding to alarm activations need to self-isolate or are ill.
    • Please let us know soon as you become aware of any illegal entry to the premises whether or not any damage has occurred
    • If we have made specific requirement of you with regards to security, and as a result of the ongoing situation you are unable to comply with these measures please contact your usual AIM contact and we will be happy to work with you to find a solution
Further help available from AIM

AIM has been working hard with the Board and our supporting insurers to identify what financial measures we can take to help our members. With such a diverse membership we need to explore lots of different scenarios which will help as many as possible. We are really close to being able to communicating these in the next couple of days.  Please bear with us, we really appreciate your patience and understanding.

What help is available from the Government?

As well as keeping an eye on the televised updates from the Government the following link provides lots of valuable information on the help being provided by the Government. They have also updated this page to include the help available to the self-employed.

https://www.gov.uk/government/publications/guidance-to-employers-and-businesses-about-covid-19/covid-19-support-for-businesses

Keeping updated

AIM will keep sending regular updates as and when more information is available to us as well as articles from around the sector which may be useful to you. We will send them via email and update our social media pages.

Please join our closed Facebook group https://www.facebook.com/groups/798451153625523/

Or follow us on LinkedIn https://www.linkedin.com/company/activitiesindustrymutual/

If you would like to share your experiences and how you are dealing with them with the wider Membership please feel free to email us. We will try and include them with future updates.

COVID 19 – Support for Businesses – Government Guidance

We wanted to provide the latest Government Guidance on support for businesses.  This update includes the latest announcement surrounding self employed people through the Income Support Scheme :-

https://www.gov.uk/government/publications/guidance-to-employers-and-businesses-about-covid-19/covid-19-support-for-businesses#support-for-self-employed-through-the-self-employment-income-support-scheme

 

Important Information – Event Cancellation

It is with huge regret that we have taken the decision to postpone the Member Event which was due to take place on Thursday 19th March at the Tower of London.  We were all really looking forward to the event, to meeting the Members and having a great day networking and discussing hot topics.  However in light of the Government’s announcement regarding COVID 19 late Monday afternoon, we have been left with no alternative other than to postpone the event.

We are working with the venue to look at rescheduling the event and will update you as soon as we can.

In the meantime we will be in contact regarding the AGM as we hope that we can still proceed with this by using proxy votes and you as a Member can still raise any issues or queries which we can then answer online or via the AIM website.

Our thoughts are obviously with all our Members at present but thank you for your continued support of AIM and the team at this testing time.

If you have any queries regarding the event please contact cathy.watson@rmml.com

 

Annual Report & Financial Statements 2019

 

Important message about changes to AALA

Please find attached updated information on the changes to AALA from the 1st April 2020.

It details what is changing, the application process and site visits, more information will be available on the HSE website soon and questions should be sent to aala@hse.gov.uk

Valentines Proposal ideas for Outdoor Lovers

You’ve found the one. And as if they weren’t perfect enough already, they love the outdoors just as much as you do. If your ‘significant other’ loves to wake up at 5:00 AM for sunrise hikes, and will jump into any lake, river, or ocean regardless of how cold the water is – and convince you to jump in, too – then you need a proposal that’s going to fit your relationship.

At The Activities Industry Mutual we understand that bearing your soul and going out on a limb to ask someone to spend the rest of their life with you can be a daunting prospect! But for all the adventurers among you, we want to help spark your inspiration for your outdoor, adventurous, and nature-filled proposal. So, here’s the scoop on everything you need to know; from the best time of day to pop the question outdoors, to actually getting down on one knee!

If you don’t want to take a big risk when you pop the questions maybe think about a romantic hike and a picnic instead.

Canyoning Proposal

Activities Industry Mutual Members, Adventure Britain, helped adventure loving Dan propose and caught it all on camera for us to enjoy.
https://www.adventurebritain.com/one-unusual-places-world-propose-marriage/

https://youtu.be/uBhA_ZIX9qo

Paddleboarding & Kayaking Proposal

If you and your loved one have an affinity for the ocean, then a kayak or paddleboard proposal may be perfect for you.

  • Why not surprise your other half by making your way to a beach or island together, and arrange for flowers, rocks, or seashells to spell out the all-important question when you reach your destination – “Will you marry me?”
  • Worried about transporting the ring across the water? Place it in the kayak hatch ahead of time and during a break, ask your partner to grab you some water from the hatch. Surprise!
  • Get your friends and family involved – organise for your partner to go out on the water with their nearest and dearest, and surprise them by paddling out to their location for the grand event

When To Propose?

Do: Sunrise and sunset are the most beautiful times on the water.  Not only is the sky gorgeous, but the water is often calm. Sunrise has the best chance of glass-like conditions!

Avoid: Midday – There is often boat traffic and strong winds or low tide which just makes for a longer walk to the water

Advice: Be flexible! The weather has a lot to do with the proposal. A windy/choppy day would not be ideal, especially if the ring is going to be on board the kayak or paddleboard.

Rock Climbing Proposal

“Imagine you’re reaching for holds above your head, unable to see the ledge until you reach up and grab it, and instead of an empty hold, you grab a ring!”

If your significant other enjoys pushing themselves to the limits, likes trying new things, and is athletic, but you want an outdoorsy proposal that doesn’t depend on the weather, a proposal with climbing involved may be exactly what you are looking for.

Experience Level: Intermediate to Advanced

This proposal is recommended if climbing is already a part of your life. For a lot of climbers, it’s an addictive sport that becomes a passion, so it makes sense to propose in a place that is a big part of your lives.

What if this is your first time climbing?

The experts do not recommend this proposal method if you are a beginner! “Climbing is not just physical activity, it is a mental exercise, so it might be overwhelming for you and your partner if it is your first time”.

Creative Proposal Ideas:

  • Before you get there, arrange to have the staff put the ring in a hold halfway up a route. Guide your significant other up the route and at the opportune moment, take the ring from the hold and propose while climbing!
  • Or why not lead your partner to the correct hold so that they reach up and find the ring themselves?
  •  A popular first date is climbing. Try to recreate the same climb or same events from the first date for the proposal.
  • Invite your friends and supporters to secretly come and surprise your partner and celebrate with you.

Do: If you want a crowd cheering you on after you propose, then a weekend or weekday evening is perfect. But, if you want a more intimate setting, then any weekday before 5, especially in the morning, is when you want to pop the question.

Avoid: Any climb that is too difficult! If he/she doesn’t get up to that point, they might not find the ring – or they may get frustrated from the difficulty, which would ruin the mood of the moment

Make Your Proposal Unique:

“Get your local climbing wall to help put the ring in a particular place at a certain time or reserve a particular climb for you and completely manage the process to make sure that it is perfect.”

Credit: Facebook, Bryan Rafferty Photography

Tree-To-Tree Adventure Climbing Proposal

Treetop courses can vary in degrees of difficulty, but pretty much anybody who’s adventurous can find a route that’s appropriate for their comfort level.

Creative Proposal Ideas:

Experience Level: Beginner to Advanced

“Each course has about 15-18 treetop rest stops between the obstacles in which to pop the question…There’s just enough room for someone to get down on their knee on the treetop platforms!”

When To Propose?

Challenge your partner to a ‘race.’ When engulfed in the spirit of competition, get down on one knee and propose – they’ll never see it coming! …Don’t worry!

Special twilight climbing hours in the summer provide the perfect time of day to pop the question and then head to a fancy restaurant for dinner.

Do: Any time is ideal. Want privacy? Any weekday, especially in the morning. Like the lime light? Plan for a weekend proposal.

Avoid: Any day that might rain!

A Mountain Top Moment

Experience Level: Beginner to Advanced

Creative Proposal Ideas:

  • As long as you and your loved one are fit and healthy you should be able to make it up the mountain. Make sure you plan your route, have all the relevant equipment, clothing and supplies you need- oh and don’t forget the ring!
  • Take your other half on an adventure up a mountain with a fabulous view at sunset. With the adrenaline from the climb and the sense of achievement once you both reach the top, take a moment to relax, take in the view and tell your other half how fabulous life is with them. Finish your speech by popping the question!

When To Propose?

  • Sun rise and sun set are beautifully romantic times to pop the question, especially with an amazing view.
  • Have Champagne and a bubble bath with candles waiting at home so that you can both refresh after your adventure!

When To Propose?

Do: Any time is ideal.

We hope you’ve been inspired by some of our romantic suggestions.

Good Luck!