Question 1

Can you cover me to coach outside of the UK?

Accepted Answer

Yes, providing you have selected the appropriate option of either Europe or Worldwide (excluding USA). You must be a UK resident and cover is limited to 30 days during the annual period.

Question 2

Will my equipment be replaced on a new for old basis?

Accepted Answer

Yes, provided the insured value meets the cost of the new item.

Question 3

What coaching ratios can I work to?

Accepted Answer

We expect you to work to the ratio of 16-1 unless you hold a qualification which stipulates otherwise. If you coach in a school where support staff are available then we will be happy to increase the ratio to a normal class size, so 30-1.

Question 4

Can you cover me for coaching children?

Accepted Answer

Yes, we can cover coaches who teach children provided suitably qualified.

Question 5

Do I need to hold a first aid certificate?

Accepted Answer

No, it’s great if you have one, just in case a client needs first aid response, but it’s not compulsory.

Question 6

What sports am I allowed to teach?

Accepted Answer

We will cover you for all sports and activities you have specified on your application of insurance, on the basis that you hold a relevant qualification which allows you to teach the sports and activities you have selected.

Question 7

How much cover do I need?

Accepted Answer

To determine what level is right for you or your business it’s important to consider the likelihood of a claim and the potential costs that may be incurred should a claim arise. If you use third party facilities you should check to see if they have a minimum requirement, often, local authority facilities and schools require a minimum of £5 million.

Question 8

What does the Protectivity Sports Coaching Insurance policy cover me for?

Accepted Answer

This policy will cover for injury or damage to another party caused by, or arising from, any tuition, instruction or advice of any sport or activity you have specified, subject to suitable accredited qualifications. Our sports coaches insurance also includes Professional Indemnity which will cover the trainer for injury or damage to another party caused by or arising from any tuition, instruction or advice given by or on behalf of the Insured in respect of the activities contained within your business description.

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