Individual Members Insurance
As part of the membership package we offer, members benefit from Public Liability Insurance and Personal Accident Insurance so that you are covered when training and racing.
Public Liability Insurance
- Property in control or charge of the club
- Ownership or use of vehicles
- Liabilities assumed under agreements/contracts
- The first £250 of each claim (the policy excess) which the individual member is required to pay
Persons Entitled to Indemity
- Race licence members of Triathlon England
- Day licence holders
- Associate members
Personal Accident Cover
The Personal Accident benefit is available to any individual member of Triathlon England.
- Cover is available for members injured while training, competing, refereeing, coaching, officiating or tutoring
- Cover if available for those aged 5 to 75 years inclusive (members over 75 can gain inclusion subject to notification and approval)
| Officials** Limit | Individuals Limit | |
|---|---|---|
| Lump Sum Benefit for Death (20% for under 16s) | £10,000 | £5,000 |
| Permanent Total Disablement* | £50,000 | £50,000 |
| Loss of Limbs, Eyes, Speech, Hearing | £50,000 | £50,000 |
| Loss of Hearing in one ear | £12,500 | £12,500 |
| Emergency Dental Costs | Max £5,000 | Max £5,000 |
| Hospitalisation Benefit | £25 per night up to 30 nights (excluding 1st night) | |
* Defined as “any and every” occupation excluding professional cycling or occupational cycling. This policy is not a substitute for medical insurance and does not cover for temporary or partial disablement or items such as physiotherapy.
**Officials include qualified coaches, referees and safety officers
N.B. For full policy terms including the list of Capital Benefits, Sums Insured, Conditions and Exclusions please refer to the policy wording supplied by insurers.
This policy is not a substitute for medical insurance; especially when travelling and competing abroad it is strongly recommended that members take out relevant travel and medical insurance.
Principal Exclusions
- Associate memberships or Day Licence holders do not benefit from this aspect of the Insurance
- The first £250 of each claim (the policy excess) which the individual member is required to pay
Coaches Insurance
- Included in the individual membership fee in respect of Triathlon England
- Cover for trainee coaches under the supervision of a qualified coach
Professional Indemnity/Public Liability
This recognises that any qualified coach could be found negligent in their duty to participants, spectators or the public arising out of their conduct including professional acts, advice, errors or omissions and as a result be held legally liable for loss.
Qualified coaches are insured for Professional Indemnity/Public Liability to a limit of £10 million per incident and in the aggregate in total any one period of insurance.
This includes claims arising from coaching triathlon activities whilst at home or abroad.
Qualified coaches are insured for carrying out the types of coaching for which they are qualified together with any incidental advice while coaching in the sporting activities of triathlon, duathlon and related multisport events, such as aquathlon and cross triathlon (this includes transition and core strength training).
Insurance cover is in force for Qualified Coaches with a limit of earnings up to a Gross Income of £10,000. Qualified coaches earning more than this limit will be recognised as Commercial Coaches and their own separate insurance arrangements will be required.
It is important to note that the insurance covers your legal liability and legal costs and expenses in the event of negligence and does not cover deliberate acts.
Principal Exclusions
- This benefit is not available for Associate members. Coaches must be Individual members of Triathlon England to benefit from this aspect of Insurance
- The first £250 of each claim (the policy excess) which the individual member is required to pay