Insurance
Insurance Benefits included in the individual membership fee are summarised below.
Public Liability
- Individuals are insured for Public Liability to a limit of £10 million per case.
- Covers claims from triathlon activities at home or abroad.
- Cover whilst training for and participating in non-competitive and competitive swimming, cycling and running activities.
It is possible that any individual member who joins a Home Nation Association could be found negligent in their duty to participants, spectators, facility providers or the public and as a result be held legally liable for an accident, injury or damage to property or individuals. Individual members are insured for Public Liability to a limit of £10 million per case. This includes claims arising from triathlon activities at home or abroad.
The essential member insurance covers you while training for and participating in non-competitive and competitive swimming, cycling and running activities of triathlon, duathlon and related multisport events, such as aquathlon and cross triathlon.
All swimming, cycling and running activities (e.g. leisure cycling or cycling to work) can count as training and that transition and core strength training is included. It is not necessary for you to be training for a specific event.
It is important to note that the insurance covers your legal liability, legal costs and expenses in the event of negligence only. It does not cover deliberate acts. Recovery against third parties can be limited due to contributory negligence from not wearing a helmet.
Personal Accident Cover
- Available for individual members. It is not available for associate memberships or day licence holders
- Cover for members injured while training, competing, refereeing, coaching, officiating or tutoring
- Cover is 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 SumBenefit 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.
Coaches Insurance
- Included in the individual membership fee in respect of Triathlon England, triathlonscotland and Welsh triathlon (Home Nation Associations)
- 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 to a limit of £10 million per incident and in the aggregate in total any one period of incident.
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.