Registered learners have gone through the process of registering and will have paid a registration fee. Registrations have no time limit however the individual would need to still meet and maintain the requirements (National Association membership and any required prerequisites) of that registration. You will have been issued an electronic registration certificate.
Insurance for coaches
As part of your membership with Paddle UK, Scottish Canoe Association, Canoe Association of Northern Ireland (including members of CANI resident the Republic of Ireland) and Canoe Wales you automatically receive the benefit of Combined Liability 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 November 2023 to 31st October 2024
Policy details and limits
- Public Liability - cover for your legal liability of up to £10,000,000 (£250 Excess).
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. - Professional Indemnity - cover for the club's or coaches legal liability of up to £10,000,000 (£1,000 Excess).
Cover to protect coaches 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.
Frequently Asked Questions
We recommend that a designated person within your club is made responsible to record any reportable accident/incident. Records must be kept for at least 6 years, and longer where it involves a person under the age of 18 years. Names and addresses of any possible witnesses should also be recorded. Please ensure your club has an accident book to record all such information. In respect of Safeguarding allegations records should be kept indefinitely.
Under the terms of the policy both 'experience' and formal qualification is included. Paddle UK recognises the important work that goes on in clubs via experienced personnel. We would recommend that clubs ensure they audit these volunteers against their experience. The types of activities being run by experienced individuals will typically include running basic and improvers skills sessions, competitive training events, time trials or club trips or journeys.
If your query relates to the insurance policy please contact our insurance broker, Marsh Sport on either 0345 872 5060, or message us.
The supervising person needs to meet update requirements and be qualified to coach or lead in the same environment as the remit for the qualification the learner is studying towards. The Supervisor is responsible for the overall safety and must be able to intervene and if required take over the trip or coaching session.
Insurance cover is only available to members who have a permanent UK address. Such members are covered for their liabilities in terms of recognised activities in both the UK and overseas, provided that any overseas trip is recognised/authorised by Paddle UK or the National Associations. Any member permanently living abroad is not covered.
The policy does not extend to overseas members or coaches.
No, if you are injured you may wish to seek legal advice on how to pursue a claim against the person responsible for causing the injury.
Paddlesport Instructors and Stadium Raft Guides have been trained and assessed to instruct paddlesports within the supporting safety framework of a club or organisation. In these cases, a more qualified and experienced person is expected to make risk assessments, set safe systems of work and environmental limitations. Paddlesport Instructors and Stadium Raft Guides cannot self-deploy. Organisations deploying Paddlesport Instructors and/or Stadium Raft Guides are responsible for ensuring they have appropriate insurance cover for their activities.
You are not covered by Professional Indemnity Insurance until your expired training has been renewed and your National Association Membership record is updated.
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.
Qualified coaches, instructors, leaders or guides who meet the Update requirements (membership, first aid, safeguarding and CPD) and operating within the guidance provided in the Environmental Definitions and Deployment Guidance for Instructors, Coaches and Leaders. Registered learners who are operating under direct supervision and working towards their registered qualification. A Registered Learner is a member of a National Association who has completed the registration process for a specific qualification and meets the registration prerequisites.
Supplementary activity such as an organised litter pick or photography is covered providing you are working within Environmental Definitions and Deployment Guidance for Instructors; Coaches and Leaders and a suitable risk assessment has been conducted. For some supplementary activities you may also need to consider if your safeguarding measures are sufficient. Activities which are not supplementary e.g hiking up a hill on a rest day during a Paddlesport based multi-day expedition are not covered. Note: Instructors and Stadium Raft Guides cannot self-deploy, so the deployer is responsible for the safety framework. Note: For the avoidance of doubt, any activity involving drones or yoga are excluded.
Yes, the public liability insurance provided will defend your position, should you be sued for injury to a third party or damage to a third parties property. Please note any claims relating to deliberate or criminal acts are excluded.
Cover to protect coaches 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.
Public Liability and Professional Indemnity (advice, tuition & coaching cover) insurance up to £10,000,000.
Coaches that use a trading name are insured for up to a Turnover of £30,000 per annum, if your turnover exceeds this amount or you trade as a Limited Company you are not covered by this insurance and will need to seek your own separate Insurance.
Paddle UK Delivery Partners can access great offers with Marsh Sport, contact us if you would like a quotation (you will be required to show your Delivery Partner Certificate).
Yes, the Hiscox Liability cover extends to those members/coaches residing in these territories