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British Triathlon Insurance Zone

Insurance For Members

Essential
Legacy
Core
Ultimate
Day

Essential Members

As an Essential member of Triathlon England, Welsh Triathlon or Triathlon Scotland, you receive public liability insurance up to a £15,000,000 Limit of Indemnity to cover you whilst training and competing in recognised triathlon or multi-sport activity. The insurance also covers the cost of defending a claim against you if you are held responsible for loss, damage or injury to someone else or their property.

Please note in addition to the Liability cover Core & Ultimate members also receive Personal Accident benefits as part of their membership. This is a ‘no fault’ benefit that provides a specified amount to a member, if they are injured whilst participating in recognised triathlon or multi-sport activities.

Please view the Confirmation of Insurance and the Personal Accident Schedule to review the benefits you receive.

Please note it is your responsibility to check what membership level you have purchased from British Triathlon and the level of cover this provides.

 

Legacy Members

If you currently hold a legacy membership, that was purchased prior to 4th March 2019, your current level of benefit will continue until your membership falls due for renewal. At which time you will need to change to either an Essential, Core or Ultimate membership, depending upon your requirements.

If you have any queries regarding the insurance you receive via you affiliation to British Triathlon, please review the FAQ section 

 

Core Members

As a Core member of British Triathlon, you receive Public Liability insurance up to a limit of £15,000,000 to cover you for swimming, cycling and running activities when training towards a triathlon or multi-sport goal or racing in a triathlon or multi-sport event. You also receive a select number of Personal Accident benefits. Below is a list of what activities you are approved for, via your level of membership:

£15,000,000 Liability Insurance, covering you for the following:

  • To race under your race licence in British Triathlon permitted events
  • Training alone in the United Kingdom
  • Training in/ with a club in the United Kingdom
  • Unlimited racing within the United Kingdom at a permitted event
  • Racing abroad at ETU/ ITU permitted championships and events as listed under https://www.triathlon.org/events. You will also be covered for 4 days training abroad prior to racing at the above events.

 

Personal Accident cover, whilst training and racing in the United Kingdom and racing at ETU/ ITU permitted championships and events as listed under https://www.triathlon.org/events. You will also be covered for 4 days training abroad prior to racing at the above events.Benefits include:

  • Permanent Total Disablement (up to £50,000) including loss of limbs, eyes, speech & hearing
  • Death – £10,000
  • Broken Bones and Dental cover

To review the full details of the Personal Accident benefits available to you, please review the Personal Accident Policy Schedule available in the downloads section

Core members receive cover for training abroad at ETU/ITU permitted championships and events for 4 consecutive days leading up to the day of the race. 

Core members do not receive cover to train abroad at any other time or race abroad at long distance events such as IRONMAN, Challenge Family events etc. Furthermore, the Personal Accident cover you receive is for death and capital benefits only. Capital benefits are a fixed sum payable, should you sustain certain injuries. 

There is no cover for loss of earnings, medical expenses, physio cover etc. If you require any of these covers/ benefits, you will need to upgrade your membership to Ultimate.

If you have any questions regarding the different levels of membership, please visit the FAQ’s section 

If you are unsure what level of membership you hold, or would like to upgrade your membership, please speak to a member of the British Triathlon team on either membership@britishtriathlon.org or 01509 226 153.

 

Ultimate Members

As an Ultimate member of British Triathlon, you receive the widest level of cover available. This includes Public Liability insurance up to a limit of £15,000,000 to cover you for swimming, cycling and running activities when training towards a triathlon or multi-sport goal or acing in a triathlon or multi-sport event anywhere in the world. You also receive a wide range of Personal Accident benefits.

Below is a list of what activities you are approved for, via your level of membership:

£15,000,000 Liability Insurance, covering you for the following:

  • To race under your licence in British Triathlon permitted events
  • Training alone in the United Kingdom
  • Training in/ with a club in the United Kingdom
  • Training abroad
  • Unlimited racing within the United Kingdom at British Triathlon permitted event
  • Racing abroad at ETU/ITU permitted championships and events as listed under https://www.triathlon.org/events
  • Racing abroad at IRONMAN, Challenge Family, Powerman, Xterra, Xtri and Super League Triathlon sanctioned events.

Personal Accident cover, whilst training in the United Kingdom, racing in British Triathlon permitted events and racing at ITU, ETU, ASTC, OTU and CAMTRI events (as listed on the ITU events search https://www.triathlon.org/events), Triathlon Ireland (as listed on the Triathlon Ireland events search https://www.triathlonireland.com/Events/Race-Calendar/), Challenge Family, IRONMAN, Powerman,

Xterra, Xtri and Super League Triathlon sanctioned events. Benefits include:

  • Permanent Total Disablement (up to £50,000) including loss of limbs, eyes, speech & hearing
  • Death – £10,000
  • Broken Bones and Dental cover
  • Facial disfigurement – up to £5,000
  • Loss of earnings benefit – up to £100 per week
  • Medical Expenses including Physio cover – up to 25% of the value of a valid loss of earnings   claim

To review the full details of the Personal Accident benefits provided to you please review the Personal Accident Schedule available in the downloads section.

Day members

As a Day member of Triathlon England, Welsh Triathlon or Triathlon Scotland, you receive public liability insurance up to a £15,000,000 Limit of Indemnity to cover you whilst you are competing in a recognised triathlon event. (Cover is not provided whilst training towards a Triathlon goal, only whilst participating in the event).

The insurance also covers the cost of defending a claim against you if you are held responsible for loss, damage or injury to someone else or their property.

Please view the Day members Confirmation of Insurance document available in the downloads section. There are also FAQs specifically for Day Members.

If you have any questions regarding the different levels of membership, please visit the FAQ’s section below.

If you are unsure what level of membership you hold, or would like to discuss your membership, please speak to a member of the British Triathlon team on either membership@britishtriathlon.org or 01509 226 153.

USEFUL DOWNLOAD

Confirmation of Insurance for Essential, Core and Ultimate Members

USEFUL DOWNLOAD

Confirmation of Insurance for Day Members