Tough Mudder™ Insurance

We only cover persons who have been resident of the United Kingdom, Channel Islands or Isle of Man or at an official BFPO (i.e. British Armed Forces base) (in which case Country of Residence is substituted for United Kingdom) for at least the last 6 months.

Yes, all policy types include third party liability cover, also known as personal liability. However, you may find that some sports have restrictions or exclusions for liability such as horse riding, dog-related activities and motorised sports. Personal liability is excluded from certain Sports Accident Insurance policies including contact sports where physical contact is an accepted part of the sport eg rugby, football etc. or as indicated when the sport is selected.

No, the policy is an annual policy, but it is also available for one specific day or several consecutive days. If you require more than about 7 days cover, it would be more cost effective to take out the annual policy.

While the Sports Accident and Children’s Personal Accident policies are valid worldwide, they are not designed to replace travel insurance and are only for personal accident (death/disability cover) and liability. No medical fees or repatriation costs are covered and therefore it is best to use Sports Travel Insurance for all travel purposes as we can provide full travel cover tailored to the sport you plan to do. If, however, you already have some general / basic travel insurance in place through your bank account for example and want to do one or two days of sport abroad, you can take out our Activity TopUp policy which will cover your medical expenses and repatriation if you get injured whilst overseas.

Yes, we allow two postponements, provided that we have written confirmation of cancellation from the activity centre where you planned to undertake the activity.

Yes – where the premium (the total price of the policy) is above £60.00, the payment can be split over 11 months. The initial payment will be 20% of the total premium, and the following 10 payments will split the remaining premium into equal instalments. There is no additional charge for paying your policy in instalments.

Your policy remains valid until you are classed as a NON-UK resident and no further policies will be able to be purchased.

No, the maximum that you would receive would be a maximum of 75% of your normal take home pay, so £300 in this case assuming you had taken out cover for up to £300 loss of earnings.

You cannot claim for any loss of earnings for the first 2 weeks that you are unable to work, but after that, as long as you are signed off by a doctor, you can claim for up to 26 weeks from the date of the accident.

We would ask to see evidence of your take home pay for the previous year and divide that by 52 to calculate the weekly payout. Earnings are classed as anything that you pay yourself that you pay tax on.

Our policies will cover anyone up to the age of 74 at the time of purchase. An applicant aged 75 or over cannot be covered.

Yes, you can increase your cover by buying income protection units to increase your levels of cover for loss of earnings. Each unit increases the benefit by £50 per week. Up to 20 additional “loss of earnings” units can be purchased meaning that the maximum payout per week could be £1000 as long as that did not exceed 75% of your normal take home pay.