Simon, I think you're on the right track...not sure how we can follow it straight off, but it's certainly worth examination.
Speaking as a club member, I was really frustrated for parts of my second year in the club when I couldn't seem to make out the next step out of fresherdom into rescuedom, and got caught in many level 2 training scenarios after having developed skills for grades three and four (at least a little four).
I'll mention at this point, that I did own all my own gear at that time, so perhaps the limiting factor was a group in a similar position with which I could paddle.
Quite a lot of effort was invested this year in training as many of the freshers to certificate level (as many L3 as possible, and the rest L2) very much in mind along this process was that their next year in the club would have to support their continued learning curve. Part of this relates directly to the gear lending policy, having official L3 certs for example, makes it 100% ok to have the cert holders on grade 2 water with no instructor, phase one of workable private trips.
Phase two, progressing past grade 2 water to grade three and four, is a big step, worth taking, but still big.
I'll look into finding what the documents say as a starter point, you're right about making sure that any limiting policies should be in writing and binding rather than second hand and paraphrased.
** This should be after the exams, for my own sake...
What I've heard for sure (form UCD's Safety Officer) last year at the start of being the safety officer, is that
(he explained that these all arise in response to the way a lawyer could argue against us if there was ever an investigation after an accident)
- if a committee member is on the trip it can be argued that the trip is a club trip
- if (any) club gear is present on a trip it can be considered a club trip
- as a club trip the travel form and after trip form should be filled and submitted
- these forms record all paddlers present and are testament to appropriate instructors and ratios in case of accidents
- the committee (as the only official key holders of the boathouse) are responsible for any club gear being used at any time (he stressed that any non-committee held keys were a huge liability)
- when we do lend gear we undertake to lend it according to the
gear lending policy and safety document we submit to the AUC (that does seem to suggest we could alter it)
- he said that it's unlikely anyone would try to sue the committee in the case of an accident/incident (cos UCD has more money)
-> considering all of these in the case of an accident, we could be shown not to have followed our own policies, which would get us (the committee and therefore the club), probably not sued, but in significant trouble, with the AUC and with UCD.
**this is to the best of my understanding, I'm not an expert/all that proficient even on legal jargon or how particular wording of the policies might help/hinder us**