Terms and conditions

Terms and conditions

So here’s the small print. We’re an insurance company, so there will always be a few specific terms and conditions. And yes, you do really need to read them! But we aim to present this information in a clear and fair way for you. If you have any queries at all, please don’t hesitate to contact us…


“We”, “us” or “our” means SportsCover Direct Limited trading as Protectivity, of Belmont House, High Street, Lane End, Bucks, HP14 3ER, Tel. 01494 887909 Fax.01494 882836, email enquiries@protectivity.com

“You” and “your” means the individual person who is a policyholder or potential policyholder.

1. About Us

We are a trusted provider of specialist insurance, and arrange appropriate cover for your specific needs under the terms of our own tailored insurance policies. We don’t offer the policies, products or services of any other insurers. Our policies are underwritten by various underwriters, with Protectivity acting for the underwriters under the terms of a Binding Authority. While we are an intermediary acting on your behalf, our advice is only based on knowledge of our own policies. We’re responsible for issuing your policy and advising on policy coverage and its suitability for your needs. We’re also able to assist you with policy amendments, upgrades or queries throughout your cover period. We’re able to provide you with our full policy terms and conditions and sales brochures if you request us to do so.

2. Consumer Protection

We’re authorised and regulated by the Financial Conduct Authority (FCA) – the organisation set up by the Government under the Financial Services and Markets Act 2000 (FSMA) to regulate firms that undertake financial services in the UK. Protectivity is a trading name of SportsCover Direct Ltd and our firm reference number is 309959.

3. Confidentiality

We’ll treat all information that we hold about you as private and won’t share with other parties without your express agreement – except for any information which we may have to disclose to the FCA as a condition of our membership. Under the Data Protection Act 1998, you have the right to see personal information about you that we hold in our records. We won’t make your details available to other parties for marketing purposes, but we may contact you ourselves to keep you informed of our latest specialist sports, activity, adventure travel and business insurance products and services. We use industry standard encryption technologies when transferring and receiving customer data via our website.

4. Customer Obligations

It’s your responsibility to provide complete and accurate information to us when you take out your insurance policy, throughout the life of your policy and when you renew your insurance. It’s very important that you ensure that all statements you make within application forms, claims forms, online forms or verbally over the telephone are full and accurate. If you fail to disclose any material information to us or if any information provided is incomplete or inaccurate, this could invalidate your insurance cover – meaning that part or all of a claim may not be paid and your premium or excess(es) may be revised.

5. Purchases made on behalf of a third party

If you’re purchasing a Protectivity specialist insurance policy on behalf of another person or a group or team, it’s your responsibility to ensure that the Customer Obligations (set out in the previous paragraph) are met for each of the individuals for whom cover is being purchased. It’s also your obligation to ensure that each person on whose behalf insurance has been purchased is aware of the full details of the cover. We’re unable to accept responsibility for loss should a claim be rejected due to the non-disclosure of a third party insured.

6. Medical Warranty

All individuals purchasing insurance from us must comply with the health declaration. If you’re unable to comply with this requirement or need guidance with specific problems, please either call us during office hours on 0845 1206400 or email contact@protectivity.com. If you can’t agree with this declaration, you must contact us at the time of taking out the insurance and we’ll tell you whether or not we can cover you. Existing medical conditions won’t be covered unless declared and we accept the condition in writing. If there is a change in your medical condition or the medical condition of anyone whom a trip depends on and you can no longer comply with this declaration, you must contact us.

7. Residency Warranty

You and anyone else on whose behalf you purchase our insurance must be a resident of the United Kingdom, the Republic of Ireland or at a valid BFPO address, from where journeys must start and end. Any variation from this must be agreed by us in writing before travel.

8. Payment

Premiums for insurance are payable and due at the time of booking. You may make payment by cheque or credit card (all major credit/debit cards except Amex are accepted). Please note that insurance purchase will not be concluded until payment has been received, unless otherwise agreed. We may allow you to pay the total premium in instalments, spread over 3 consecutive months, provided the initial payment is made at inception and the means of payment for the following instalments is supplied at that time (eg credit card details or post-dated cheques). Failure to make a payment by the agreed date will result in cancellation of the policy one month after the payment failed and no refund will be made. All premiums quoted are inclusive of local taxes at the prevailing rate.

9. Your right to cancel

If, for some reason, the specialist insurance cover we provide doesn’t meet with your requirements, you may return the documentation within 14 days of the date of issue and – provided no claim is made – obtain a full refund.

10. Policy Documents

We’ll send your policy information to you in a timely manner, normally within 3 days of contract purchase. Your policy documentation will confirm the basis of cover, give details about us as your insurer, be accompanied by a policy summary and include a Demands and Needs statement and Keyfacts illustration. We reserve the right to hold back schedules and certificates until all payments due have been made. We’ll retain documents for 6 years in accordance with our retentions of documents policy.

11. Checking your policy documents

When you receive your documents, please ensure that you read your insurance policy carefully. In particular, you should check the start and end dates of the cover, the health declaration and that the insurance covers your specific planned activity. For travel insurance (excluding top-up activity cover), your insurance period must include the day on which you leave your home or office and the date you return to your home or office. Failure to comply with the terms and conditions of the policy may result in cover being restricted or possibly invalidated. Please contact us if you have any questions about any aspect of your policy. You are advised that the full terms and conditions of our policies should be consulted prior to your completing your policy purchase and if you have any questions you should make sure these are answered to your satisfaction. If you haven’t received a copy of the full policy terms and conditions before you book your insurance, a copy will be provided with your insurance schedule.

12. Policy Excesses

Under most sections of the specialist insurance cover we provide, claims will be subject to an excess. This means that you’ll be responsible for paying part of the claim. The amount you have to pay is the excess. Where more than one excess applies (ie, claims made under multiple sections), we’ll apply only the highest excess.

13. Policy renewal

If you’re an annual policyholder, we’ll send renewal terms to you no less than 21 days before the expiry of your policy, or notify you that the renewal is not being invited.

14. Claims

Your insurance policy includes a claims procedure, which tells you what steps you should take if you wish to make a claim. You must notify us of a claim (or circumstance which may give rise to a claim) as soon as possible. We’ll then help in any way we can to assist you in submitting a claim and seeking reimbursement.

15. Compensation Scheme

We’re covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS if, for some reason, we can’t meet our obligations. This depends on the type of business and the circumstances of the claim. Full details and further information about the scheme are available from the FSCS.

16. Complaints

Procedure We’re dedicated to providing you with a high quality service and want to ensure that we maintain this standard at all times. If you feel that we’ve not offered you the first-class customer service you were expecting, please write to us and address your correspondence to our Managing Director. We’ll do our best to resolve any problems. If you remain dissatisfied and wish to make a further complaint, you can do so at any time by referring the matter to: Complaints Department, Lloyds, One Lime Street, London EC3M 7HA (Tel: 020 7327 5693 or e-mail: complaints@lloyds.com). Complaints that cannot be resolved by the Complaints Department at Lloyd’s may be referred to The Financial Ombudsman Service (FOS), South Quay Plaza, 183 Marsh Wall, London E14 9SR. Further details will be provided at the appropriate stage of the complaints process.

17. Remuneration

Our remuneration may be a fee, or as brokerage, which is a percentage of the insurance premium paid by you and allowed by the insurer with whom the insurance is placed. Brokerage and fees are earned for the policy period and we will be entitled to retain all fees and brokerage in respect of the full policy period in relation to policies placed with us. In the event of a mid-term adjustment we will be entitled to a percentage of the premium payable by you. In addition to the client fees and/or brokerage payments we may receive remuneration by way of administration fees or profit commissions, which are contingent on underwriting profitability, from underwriters. At your request, we shall endeavour to calculate and advise you of the contingent commission we may receive in respect of your business.

18. Law and Jurisdiction

These terms of business shall be governed by and construed in accordance with English law. In relation to any legal action or proceedings arising out of or in connection with these terms of business, we both irrevocably submit to the non-exclusive jurisdiction of the English courts.