Although I am not a spokesman for the AMA, I can answer the question that you have raised. And this is according to the AMA document "Back Side of 2005 Membership Card Carrier", which can be read by clicking on this link [link]http://www.modelaircraft.org/PDF-files/500-J.pdf[/link] .

It simply states that AMA coverage applies ANYTIME, ANYWHERE and is not limited to model flying at contests or on the club field. It even applies to flying at public demonstrations and air shows. The primary stipulation is that failure to comply with the AMA National Safety Code may endanger insurance coverage. Another primary concern is that attention needs to be given to avoid flying near or over groups of people.

So, here ya go.......hope this helps resolve your question. Not being familiar with your country, I have no clue why it wouldn't apply to you mate. If that's the case, then you guys are getting ripped off. By that I mean, what are you paying AMA membership dues for if the insurance is not effective except at the field or events? That would really stink!!!