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Scenarios: how you're covered

British Triathlon Home Nation Member V General (Person/Property outside of the event/activity)

If a member causes an incident, damaging someone else or their property, the insurers will protect them against a claim from the other involved. The member will only pay the excess of £250 in respect of claims for damaged property. The insurers will pay the compensation to the other party if the member is legally responsible for the injury or damage caused. 

As a member they can also claim personal accident cover for themselves if they are injured (if this is included in their membership package).

 

Day Member V General (Person/Property outside of the event)

If a day member causes an incident, damaging someone else or their property, the insurers will protect them, during an event, against a claim from the other involved. The day member will only pay the excess of £250 in respect of claims for damaged property. The insurers will pay the compensation to the other party if the day member is legally responsible for the injury or damage caused. There is no personal accident cover available for the day member if they are injured.

 

Day Member v Member

If a day member causes an incident, damaging someone else or their property, the insurers will protect them against a claim from the member. The day member will only pay the excess of £250 in respect of claims for damaged property. The insurers will pay the compensation to the member if the day member is legally responsible for the injury or damage caused. The member can claim personal accident cover if they are injured. There is no personal accident cover available for the day member if they are injured.

 

Member v Day Member

If a member causes an incident, damaging someone else or their property, the insurers will protect them against a claim from the day member. The member will only pay the excess of £250 in respect of claims for damaged property. The insurers will pay the compensation to the day member if the member is legally responsible for the injury or damage caused. The member can claim personal accident cover if they are injured. There is no personal accident cover available for the day member if they are injured.

 

Member v Member

If there is an incident, damaging someone else or their property, involving two members, the insurers will protect the member who causes the accident. The other member will pay the excess of £250 in respect of claims for damaged property. The insurers will pay the compensation to the member who did not cause the accident and is claiming if the member causing the accident is legally responsible for the injury or damage caused. Both members can claim personal accident cover if they are injured. 

 

Coaches only – Coach v Individual

If a coach causes damage or injury to an individual through their coach instruction either in person or via a training or session plan. The insurers will protect the coach against a claim from the individual. The coach will only pay the excess of £250 in respect of claims for damaged property. The insurers will pay compensation to the injured/damaged individual who is claiming if the coach is legally responsible for the injury or damage caused.

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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 over overseas residents

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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