Frequently Asked Questions
What is the difference between Group Public Liability
and Instructor Public and Products Liability?
Group Public Liability provides indemnity for your
legal liability for damages, including claimant legal costs arising
out of accidental injury to any person (other than employees),
accidental loss or damage to third party property, nuisance and
trespass and member to member indemnity.
Instructor Public and Products Liability provides a personal
indemnity to an Instructor for liability arising from their
instruction, demonstration or supervision of martial arts activity
including legal defence costs.
What weapon use is accepted?
We cannot accept use of live bladed weapons on either
the Group covers or Instructor Public and Products Liability.
Can a member have Instructor Public and Products
Liability if they do not have a black belt?
Yes, provided that a senior Instructor can vouch for
their experience.
Who qualifies for Instructor Public and Products
Liability insurance?
All applicants must be over 18 years of age and have a
qualification of black belt or confirm qualification to teach and
be connected to a Club or Association.
How much does Instructor Public and Products
Liability insurance cost?
Dependent on the Limit of Indemnity:
a £2,000,000 indemnity limit is £71 (including IPT at 6%)
a £5,000,000 indemnity limit is £91 (including IPT at 6%)
or a £10,000,000 indemnity limit is £111 (including IPT at 6%)
Can I pay for my Instructor Public and Products
Liability cover on Credit/Debit card?
Yes, but we must have the fully completed proposal
form returned to us no later than 7 days after taking your card
details.
Please note that payment will not be processed and cover will not
be put in place until the completed proposal form is received.
What activities are covered under my Instructor
Public and Products Liability?
We will only cover activities which are described on
your proposal form or which are subsequently notified to us and
accepted.
I already hold Instructor Public and Products
Liability cover, but I have been asked to teach outside of my
Association, am I covered?
Yes. The cover is personal to you as an Instructor,
but you have to be attached to an organisation.
Can I amend my indemnity limit on my Instructor
Public and Products Liability policy?
Yes, we will require the return of your current
certificate and payment of the additional premium.
I have lost my Instructor Liability Certificate and
need a duplicate, can you issue one?
We can issue a duplicate; however a fee of £5 will be
required.
Can I cancel or transfer my Instructor Public and
Products Liability cover?
No, Instructor Liability covers are not transferable
and cannot be cancelled mid-term.
Do I need to complete an application form for renewal
of my Instructor Public and Products Liability cover?
Yes, this is a requirement of the Insurer.
What is Member to Member cover?
This forms part of the Group Public and Products
Liability policy and provides cover for one Member to another
Member for negligent injury. This is not a form of Personal
Accident Insurance.
Why is Personal Accident insurance different to
Public and Products Liability cover?
Personal Accident cover provides a benefit (subject to
the policy terms) if a member is injured whilst participating in
Martial Arts regardless of negligence. Liability cover is an
indemnity for Legal Liability.
What is an Open Tournament?
For competitions/events organised by a Club or
Association which is open for non-members to take part, the
organising Club or Association is required to extend their cover
for the duration of the competition/event.
The premiums and indemnity levels are shown on the Insurance Cost
Summary. We will require the date, venue name, limit of indemnity
and payment before cover can be issued.
What is the age limit on the group membership
policies?
The minimum age is 4 years the maximum age is 70
years. The maximum age will only apply to the Personal Accident
policy.
Who does the weekly benefit apply to on the Personal
Accident policy?
It applies to members over 16 years of age only,
unless the junior member is hospitalised. Benefit will be paid to
the junior member for the period of the hospitalisation. The 2 week
excess period will apply.
Does our Group cover/s apply outside the UK?
Yes. The policies are World-wide but excluding the USA
and Canada in respect of Products Liability Cover though cover only
applies to UK domiciled persons.
What is the procedure when we need to claim?
Contact the Allianz claims service on 0844 871
0759 or write to them at: Claims Division, Allianz
Insurance, 500 Avebury Boulevard, Milton Keynes, MK9 2XX or contact
TL Risk Solutions.
What is Products Liability cover?
Product Liability provides indemnity for Legal
Liability arising from the sale of goods. This may include for
example, the sale of clothing, protective equipment, literature,
food and drink. Product Liability is automatically included in our
Instructor and Club Liability covers.