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british taekwondo insurance zone

Introduction

Bluefin Sport are the appointed insurance broker to British Taekwondo. This web page sets out details of the insurance provided as part of your membership, how to report an incident and some frequently asked questions.

Who is covered?

This cover applies only to activities authorised or recognised by British Taekwondo

The policy covers:

  • Member Clubs, member groups, officers, officials, committee members, employees and volunteers
  • Registered members
  • Registered instructors, assistant instructors, emergency instructors
  • Judges, National & International Referees
  • New participants (2 taster sessions are permitted only)
  • British Taekwondo events and sanctioned club events

What insurance do you get as part of your membership?

  • Membership of British Taekwondo is granted under the provisions laid down by the Articles of the Association to clubs and members who have paid their annual subscription and registered.
  • British Taekwondo requires all members to have a current membership to train, grade and compete.
  • Members are not insured to participate in any activities provided by non-British Taekwondo organisations in the UK.
As part of your membership to British Taekwondo you automatically receive the benefit of the association's Combined Liability and Group Personal Accident insurance. To understand what these covers are and to see the main terms and conditions that apply please make sure you refer to the policy summary and policy wording which can be found in the downloads section below.

The annual policies run from 1st April 2020 to 31st March 2021.

The policies' limits are as follows:
  1. Public/Products Liability - cover for your legal liability of up to £10,000,000
  2. Professional Indemnity - cover for the club's or instructors legal liability of up to £10,000,000
  3. Directors & Officers – cover for club committee members of up to £5,000,000
  4. Employers Liability – cover for clubs in respect of claims for injuries made by employees or volunteers, up to £10,000,000
  5. Personal Accident - cover for accidental bodily injury - up to £65,000
Public/product liability
Employers liability
Personal accident
Professional indemnity
Directors and officers

Public liability insurance provides protection against legal liability for bodily injury to third parties and damage to third party property.

Products liability insurance provides protection against legal liability to pay compensation including legal costs for death or bodily injury, or damage to third party property arising from products supplied

Protection against legal liability in respect of claims made for injuries to any volunteer or employee of the member club.

If you become injured whilst participating in a British Taekwondo activity, you can incur some significant financial losses as a result. Personal accident insurance can help offset some of these unexpected expenses. This insurance can pay out a set amount if someone is injured in an accident and the benefit can be a lump sum or a weekly amount.

Who is covered and when?

  • Any registered member or instructor of British Taekwondo up to the age of 75 years old

Operative time:

Whilst participating in any authorised activity of British Taekwondo anywhere in the world including direct travel to and from any authorised activity of the Insured within Britain. If you are travelling to and from your club or a sanctioned event and are injured the Personal Accident cover is in place during ‘travel’ so if you are injured please contact the insurer to determine whether a claim can be submitted.

What are the benefits?

View the benefits table here.

Please note that the policy is not designed to replace your usual income in the event you are unable to work following an accident.

Please see the policy wording for full details of all the policy exclusions.

Cover to protect a British Taekwondo registered club or instructor for claims made against them which allege that a third party has suffered an injury or financial loss caused by negligent acts, errors or omissions during coaching activities

Protection for committee members and club officers against claims arising from their decision or actions whilst managing the organisation.

How to report an incident 

It is important that all incidents that may give rise to a claim, however minor, are reported to British Taekwondo as soon as possible after the event.

Tel: 01623 382020

membership.services@britishtaekwondo.org

Frequently Asked Questions

Q
What events are covered?
A
Events, including competitions, gradings, seminars and demonstrations that are hosted by British Taekwondo itself or by British Taekwondo registered  clubs are covered, on the condition that the event has been sanctioned and approved in advance by British Taekwondo, and that participants are British Taekwondo members.
Q
Our club is looking to organise some profile and fund raising activities. Are we covered by British Taekwondo?
A
Yes – the event insurance covers profile and fund raising activities such as demonstrations and seminars if the event is registered with British Taekwondo in advance.
Q
Are new non registered members covered for trial sessions?
A
Yes, two taster sessions are permitted, on the third session the participant needs to become a member of the club to ensure they are covered under the insurance policies.
Q
Are there any exclusions in the British Taekwondo Liability policy?
A

Yes, an overview of the principal exclusions is as follows:

  • Participant to Participant claims.
  • £200 Excess.
  • Loss or damage to property in your custody or control (other than damage to property comprising premises leased or rented by you).
  • Fines, liquidated damages or penalties.
  • Products manufactured.
  • Contractual liability.
  • Gradual pollution or contamination.
  • Criminal Acts / Acts with an intention to cause harm.
  • Incidents known to you but not reported to the Insurers.
  • Incidents prior to your joining British Taekwondo,
  • Incidents reported after expiry of your British Taekwondo membership.
Please see the policy wording for full details of all the policy exclusions.
Q
Do we have insurance if employees/volunteers are injured?
A
Yes, Clubs are provided with Employers Liability insurance, with a Limit of Indemnity of £10,000,000.
Q
Is our club covered if we go abroad?
A

Liability cover is provided for trips abroad that are pre-authorised by British Taekwondo.

The membership insurance does not include Travel Insurance.

Q
How is Employers’ Liability different to Public Liability?
A

Employers’ Liability protects the employer in the event of an injury to an employee, for which the employer is liable.

Employers’ Liability could apply to clubs who employ coaches or volunteers to work on their behalf.

Public Liability protects a club/member/volunteer if another member, or a member of the public, sues them for injury or damage caused.

Q
What is Personal Accident insurance?
A

This provides a “no fault” compensation for members who are injured whilst participating in authorised/organised activities.

Q
Who is insured under the British Taekwondo Personal Accident insurance?
A
Registered members and instructors of British Taekwondo
Q
When does the Personal Accident insurance apply?
A

Whilst participating in any authorised activity of British Taekwondo anywhere in the world including direct travel to and from any authorised activity of the Insured within Britain. If you are travelling to and from your club or a sanctioned event and are injured the Personal Accident cover is in place during ‘travel’ so if you are injured you may well be able to make a claim.

Q
Does it matter if the injury isn’t my fault to benefit from Personal Accident insurance?
A

The Personal Accident policy benefits are payable on a no fault basis.

Q
Are we insured as Coaches/ Instructors/clubs to provide online training sessions ?
A

Yes, Insurers advice which should be followed is :

Remote coaching/instruction (live or pre-recorded)

In respect of any coaching or instruction that is undertaken remotely, it is strongly recommended that the Insured should:

1. at the commencement of the session, advise participants:

a) that by participating they are doing so at their own risk;

b) a suitable, non-slip floor space is required and any potential obstructions in the vicinity are removed before they participate;

c) to avoid activities if they have, or suspect they may have any current health concerns, injuries, aches and pains;

d) avoid the use of blades, weapons or sharp instruments of any description;

e) avoid physical contact with other participants and where appropriate, adhere to social distancing guidelines;

2. ensure that sessions are conducted for the benefit of existing members/participants/contacts only who have demonstrated sufficient suitability to participate;

3. continue to only instruct activities in which you are qualified to do so;

4. record the session. Retaining the recording for a period of up to thirty-six (36) months may assist in any claim made against you;

Q
What do I do in the event of our club becoming aware of an incident?
A

In the event of an accident please contact British Taekwondo on 01623 382020 or membership.services@britishtaekwondo.org. In NO circumstances should you admit liability or agree to pay for any damage caused as this may prejudice the Insurers position and could result in the withdrawal of any indemnity.

You should report incidents that may potentially form part of policy cover regardless of whether you think you are liable. 

Circumstances include:

  • A fatal accident / injury requiring referral to hospital, either immediately or at a later time / allegations of Libel and Slander / Allegations of professional negligence or faulty advice/ any investigation under child protection / Club disputes involving disciplinary action.

No admission, offer, promise, payment or indemnity shall be made or given by or on behalf of the Insured without the written consent of Insurers.

Please complete the accident report form which can be found here.

Q
If I have any further queries who do I contact?
A

If your query relates to the insurance policy please contact our insurance broker, Bluefin Sport on either 0345 872 5060, or by email at sport@bluefinsport.co.uk

If you need to report an incident please contact British Taekwondo

Looking for building or contents insurance for your club?

Every sports club has specific needs, which means that a standard insurance policy may not fit everyone. To make sure you are appropriately covered, our myClubinsurance policy can be built around your particular needs. Whether you require stand-alone liability cover or full buildings and contents protection, the policy can be adapted to suit.