Do I need insurance?
Yes. Current, up-to-date insurance is required in order to train with us, grade, or fight in a competition. It is a legal requirement, and anyone without up-to-date insurance will not be allowed to train. However, your insurance becomes valid as soon as you have signed a properly completed insurance form and paid the club, so you can get your insurance at the start of your first training session.
What’s this insurance actually for?
It provides limited cover for pain, suffering, and loss of amenity incurred when taking part in training or competing in events in connection with the activities of the club.
- Temporary total disablement, if you are aged 16 and over and in full/part-time work, is payable at £60/week, to a maximum of £3000;
- Temporary total disablement, if you are aged 16 and over and unemployed or a student, is payable at £15/week, to a maximum of £300;
- Temporary total disablement, if you are under 16 years old, is payable at £5 per week, to a maximum of £250.
- Loss of limb(s) and/or sight is payable at £25,000 maximum;
- Permanent total disablement is payable at £25,000 maximum;
- Death, if you are aged 16 and over, is payable at £25,000 maximum;
- Death, if you are under 16 years old, is payable at £5000 maximum.
‘Temporary total disablement’ means you are unable to carry out any of the normal duties relating to your occupation. To qualify, you must have been absent from employment/ studies for a period of more than two weeks; proof of absence needs to be supported by medical certificates. Proof of loss of earnings/benefits may also be required. It is a condition of this policy that licenced members shall be domiciled in Great Britain and/or Northern Ireland. If any of this is confusing, email the membership secretary and he will attempt to clarify it.
I already have ITF taekwondo insurance / other taekwondo insurance / karate insurance / kung fu insurance etc. Will that do?
Not usually, no. Although we cannot give a definitive comment, your organisation is unlikely to sanction any martial art events outside its control (see by way of example BTCB limitation described above) and you would therefore be unlikely to be insured by either us or them while training. The only exception would be if you have pre-existing BTCB insurance, which I would need to see.