One curler bumps into another curler, and the latter goes down heavily on the ice. The result, a broken hip resulting in a major operation and some long term disability.
A claim is made against the party that caused the fall.
Fortunately the party is an RCCC member, and therefore benefits from the RCCC Civil Liability (Third Party) insurance cover.
Had the curler not been an RCCC member, they might well have found themselves without the insurance to protect themselves from a sizeable claim.
One of the clear benefits of RCCC Membership!
However, the RCCC Policy does not provide Personal Injury cover.