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Snowsport England insurance zone

FAQs - Coaches and Instructors

Q
Am I covered to offer tubing as an activity?
A

No, with effect from 1st November 2020 there is no insurance cover in place for tubing.

Q
Are spectators at tournaments/ training sessions covered for loss or injury?
A

The Liability Policy protects the club and its registered members for allegations of negligence should they injure other members or members of the public. If the spectators are injured as a result of your clubs or its member’s negligence they have the right to bring a liability claim against you.

However, if a spectator injures themselves at an event and there is no negligence attaching to the club or its members there is no automatic payment to the spectator.

Q
Do I have coverage if I am attending a 'Taster Session'?
A

Yes, the Public Liability cover extends to cover up to 3 taster sessions before deciding whether you’d like to become a full member of the club.

Q
Are there any age limits on the policy?
A

There aren’t any age restrictions on the liability insurance, however we stipulate that participation in all activities must be in accordance with the rules & guidelines of Snowsport England. As such if there are any age restrictions imposed by Snowsport England for certain disciplines, then these must be adhered to.

Q
Are there any excluded activities?
A

Yes, please note the insurance via Snowsport England does not cover Tubing and Ski Mountaineering.

Q
Are there any policy excesses applicable to the Public Liability?
A

Yes, there is a £250 Excess against any bodily claim increasing to £5,000 for any claims arising from Off Piste activities

Q
Do I have liability cover if I am taking part in a non Snowsport England activity?
A

No, the cover is only in place for those activities recognised by SSE.

Q
Does the liability insurance cover me if a claim is made against me for injury to another person or damage to someone’s property?
A

Yes, the Sportscover Liability policy will defend claims made against you for negligence.

Please note any claims relating to deliberate or criminal acts are excluded.

Q
I am an instructor/ coach working with individuals, but trade as a limited company. Am I covered via my affiliation to SSE?
A

Yes. Providing you do not have any employees and your turnover is less than £25,000 then you are covered via the master liability policy arranged by Snowsport England. If you are a Snow School that operates as a limited company, with staff, you must obtain separate insurance. For a quote please contact Bluefin Sport on 0345 872 5060 or email: sport@bluefinsport.co.uk

Q
I am travelling overseas, am I covered by the insurance?
A

The public liability cover is provided on a worldwide basis, this would cover claims for alleged third party injury, or third party property damage.

The public liability policy does not however, provide you with any travel insurance. Travel insurance would cover overseas emergency medical treatment, following an accident, repatriation costs, cancelled flights etc.

Bluefin Sport can provide travel insurance solutions. Please click here for more information and to obtain a quotation.

Q
I am unsure to what extent I can operate / teach under my Snowsport England licence?
A

For clarification, a full list of the Snowsport England licencing awards and the remit of each award can be found here.

Q
Is a club member insured to teach within the club?
A

Yes, a club member can teach within their club, to their level of teaching/coaching qualification, and will be insured for Public Liability and Professional Indemnity insurance.

However, Coach-led sessions must be undertaken by an appropriately qualified coach.

Q
Is there cover for Off piste activities?
A
Off piste coverage is only included for those suitably qualified within the ski boundary and within the EU. This is subject to a £5,000 excess.
Q
Is there a time limit to make a liability claim?
A

There is a statute of limitation for an injured party to bring a claim for injury. Usually 3 years or if they are a child up to 3 years from their 18th birthday. This however can be reviewed by the courts dependant on the circumstances. It is imperative however that you notify any circumstance which may give rise to a claim as soon as you are aware of it.

Q
What activities are recognised by Snowsport England?
A

Activities recognised and therefore covered via your insurance are:

Alpine – Downhill, Super G, Giant Slalom, Slalom & Speed Skiing

Nordic – Cross-country (Classical & Skating), Roller Skiing, Jumping, Telemarking/ Nordic downhill, Biathlon, Ski Orienteering

Snowboarding – Freestyle, Big Air, Half Pipe, Slopestyle, Boardercross, Slalom (touring/mountain)

Freestyle – Moguls, Aerials, Half-Pipe, Slopestyle, Skiercross

Q
What cover do I receive as an affiliated instructor, coach or leader of Snowsport England?
A

For Instructors, Coaches & Leaders who meet the Snowsport England licencing criteria, you are covered for the following:

  • Public & Products Liability – £10,000,000 any one occurrence but in the aggregate in respect of Products Liability
  • Professional Indemnity - £5,000,000 any one claim and in the aggregate
Q
What information do I need to record when an accident occurs?
A

We would 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.

Q
What is the differences between Geographical limits and the term Jurisdiction within the Insurance policy?
A

The ‘geographical/territorial’ limits on the policy is where you can participate in Snowsport activities which is covered anywhere in the world. In layman terms, this means that you can train, participate and compete in recognised and approved Snowsport England activity, worldwide.

The ‘jurisdiction’ is where an allegation/claim can be made against you or your club. In layman terms, this means the country in which a solicitor can be appointed, to try and sue you, if a third party feels you/ your club are deemed negligent. The territorial/ jurisdictional limit on the policy is United Kingdom.

Q
What is the procedure if I need to report an incident?
A

Please contact Bluefin Sport to report the incident as soon as possible

Tel: 0345 872 5060 

Email: sport@bluefinsport.co.uk