Personal Accident
Personal Accident will compensate you up to specific amounts if you, yourself, were to suffer a serious bodily injury whilst training your clients or participating in the insured sport. The injury needs to have occurred during a match or training session that you took part in.
| Death | Covers death of insured person(s) whilst participating in the insured activity | ||||||
| Permanent Disablement |
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| Physio | Non national health expenses incurred by you | ||||||
| Broken Bones | Insured bones
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| Hospitalisation | If you are required to stay in hospital for more than 24 hours. Up to a maximum of 25 days | ||||||
| Emergency Dental | If emergency care is required due to an accident whilst participating in the insured activity |
You will be insured up to the limits as set out in your insurance schedule which you can choose at the point of purchasing the insurance. Cover of up to £50,000 is available.
Excesses apply to the following sections.
- Dental – 50% of the claimed amount
- Hospitalisation – time in hospital must exceed 24 hours
- Physio – 25% of the claimed amount
Loss of Earnings
If you select Personal Accident cover with your policy, you will have the option to include cover against Loss of Earnings.
The Loss of Earnings cover provides compensation for lost earnings should you suffer a serious injury whilst training a client or engaging in your insured sport which prevents you from attending your usual profession, business or occupation. The injury needs to have occurred during a match or training session that you took part in.
Cover is available up to £750 per week and the maximum amount payable per week would be the limit selected, or 75% of your pre-accident earnings, whichever is the lesser.
Please be aware that a time excess of 14 days applies as we do not cover the first 2 weeks that you are unable to work.
