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Details
Personal Accident Persons Insured
Confirmations - Very Important

The Cover4Sport facility provides Civil Liability cover on a claims-made basis. Your policy will indemnify you for claims first made against you in the current period of cover, regardless of when the event that gave rise to the claim took place. The policy will indemnify you for claims arising from any business activities back to the date when you first purchased a claims-made insurance policy. Insurers will not indemnify you however for any incident arising from any circumstances of which you are already aware that could give rise to a claim. Therefore if you have received any complaint or indication of dissatisfaction or notification from any third party that is likely to give rise to a claim under the policy, you should advise your current insurers before the expiry of your policy with them, and provide us with full details as a qualification to the above declaration.

The premiums quoted online under the Cover4Sport Sports Instructor Insurance Scheme are based on a number of declarations, which we have asked you to read and confirm above.

You are reminded that it is essential to provide any additional information likely to influence the assessment of this insurance and if you have any doubts as to whether a material fact should be disclosed or in the event that you need to qualify any of the statements please telephone us for advice.

Please be aware of the following in relation to your demands and needs:

  • In providing this product we are not making a personal recommendation and are merely providing information from which you can make your decision whether to purchase the product or not. You must check the scope and the policy cover detailed above to ensure that it meets your requirements.
  • This product meets the demands and needs of those who wish to cover their activities as a qualified Sports Instructor.
  • In sourcing and placing this policy and in the event of a claim, we will act as your agent.
  • We exclusively use RSA Insurance Group plc for distribution. For this insurer we have taken the following into account:
    • Their level of service
    • Premium cost
    • Their expertise in this field
    • The length of time they have been established
    • Their specialism in this type of insurance
  • When we sell you the policy the insurer pays us a percentage commission from the total premium and in addition we charge you an administration fee.

The premiums quoted online under the Cover4Sport Sports Instructor Insurance Scheme are based on a number of declarations, which we have asked you to read and confirm above.

Your duty of disclosure

If the insurance is arranged wholly or mainly for purposes related to your trade, business or profession you have a duty to disclose all material facts whether or not the Insurers ask for specific information. This duty applies throughout the life of the policy, and when you renew your Insurance. Material facts are facts which may influence the Insurer’s decision to accept the policy and/or what terms are applied. Failure to disclose a material fact may invalidate your insurance and could mean that your claim will not be paid, or not paid in full.

It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy, at all times throughout the life of your policy, and when you renew your insurance. It is important that you ensure that all statements you make on proposal forms, statements of fact, claim forms and other documents are full and accurate. You are under an obligation to disclose all facts which are, or ought to be, within your knowledge which could influence insurers’ decision to accept your insurance or the premium.

If you fail to disclose any information or change in circumstances to your insurers which this could invalidate your insurance cover, and could mean that part or all of a claim may be not be paid.

Examples of material facts which you must disclose include (amongst many others) any claims, accidents or convictions about which your insurers have not previously been advised, changes in your business activities or processes, or alterations to your premises.

You should inform us immediately if any information which you have given us is inaccurate or incomplete, or subject to change so that insurers may be advised.

If you are in doubt as to whether any matter should be advised as a material fact then you should inform us immediately.