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Explaining Personal Accident Cover

Personal Accident insurance cover is a benefit that a member can claim if they are injured by themselves (e.g. falling off your bike, tripping up as you run) or by someone (e.g. a cyclist or vehicle collision into you) or something else (e.g. a branch falling on you whilst running in the woods). Compensation is paid from the insurers to the member claiming. The member will only pay the excess to activate the claim.

 

What level of cover do you get with your membership:

  • A Day membership – you don’t get Personal Accident cover, if you want this cover you will need to upgrade to Core Membership
  • Essential membership – you don’t get Personal Accident cover, if you want this cover you will need to upgrade to Core Membership
  • Core and Core Coach membership – this covers you 365 days a year, 24 hours a day only when training in Britain towards a triathlon goal, racing in Britain at a British Triathlon Permitted Event, and racing abroad** only at ETU or World Triathlon Championships*
  • Ultimate and Ultimate Coach membership – this covers you 365 days a year, 24 hours a day only when training in Britain or abroad** towards a triathlon goal, racing in Britain at a British Triathlon Permitted Event, and racing abroad at ETU or World Triathlon Championships or World Triathlon sanctioned events, IronMan, Challenge, Xterra events*

 

Headline Benefits:

Core and Core Coach membership – personal accident cover for permanent total disablement up to £50,000, death up to £10,000, broken bones and dental benefit****

Ultimate membership – personal accident cover for permanent total disablement up to £50,000, death cover up to £10,000, broken bones and dental benefit**** facial disfigurement cover up to £1,000, loss of earnings benefit cover up to £100 per week and physio cover for up to 25% of the value of any loss of earnings claim

Ultimate Coach membership - personal accident cover for permanent total disablement up to £50,000, death cover up to £10,000, broken bones and dental benefit****  facial disfigurement cover up to £1,000, loss of earnings benefit cover up to £500 per week and physio cover for up to 25% of the value of any loss of earnings claim.

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Disclaimer

*All explanations are worded as comprehensively as possible and this page is updated regularly however insurance schedule T&Cs apply and may override what is written on this page. 

**Full list of sactioned event organisers can be found in FAQs

*** Cover for USA/Canada is only applicable to members visiting the USA/Canada temporarily and who are not USA/Canada residents

**** T&Cs apply – insurance cover is only available to UK residents and will not cover overseas residents. Exclusions apply within the personal accident cover for 85+ year olds. 

If you have any additional questions regarding insurance cover within your British Triathlon Home Nation Membership, please email the team: membership@britishtriathlon.org or info@sports-insure.co.uk

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