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snowsport England insurance zone

FAQs - Individuals

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
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
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 excluded activities?
A

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

Q
Are there any policy excesses in place?
A

Yes, the following excesses are applicable:

£5,000 Bodily injury claims

£250 Directors & Officers claims

£100 Club equipment

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
Do I need to purchase travel insurance to compete outside of the UK?
A

Although the Liability cover you receive is worldwide, you do not automatically receive Travel Insurance.

Bluefin Sport can provide a travel quotation if required. Please click here for more information.

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 thinking of joining Snowsport England, but in the meantime am I insured if I attend a come and try it /taster session?
A

Activities involving non-members are not covered unless part of a taster session of a recognised Activity or Discipline. Non-members can participate in up to three ‘Taster’ sessions.

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 a travel quotaton if required. Please click here for more information.

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 damage to my own equipment covered?
A

No, the insurance provided by SSE does not cover individuals own kit/equipment.

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 against. 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 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

Q
What limits of indemnity are in place?
A
  1. Public & Products Liability – £10,000,000 any one occurrence but in the aggregate in respect of Products Liability
  2. Professional Indemnity - £5,000,000 any one claim and in the aggregate
  3. Directors & Officers – £5,000,000 any one occurrence and in the aggregate
  4. Employers Liability – £10,000,000 each and every claim
  5. Abuse cover - £2,000,000 any one claim and in the aggregate