If you have a query not covered by the list below please contact Howden by email or call 0121 698 8156.
Combined liability insurance is the generic title for a single insurance policy that embraces the following traditional classes of insurance cover:
The above covers are provided to you as an individual member of British Rowing. If you arrange cover for your club, you will also benefit from the following:
Cover includes member-to-member liability, meaning that the policy will protect one insured member if another member is injured and claims against them.
Cover has been arranged by British Rowing for its individually registered members, coaches and affiliated competitions.
British Rowing does not provide cover for affiliated clubs and this should be arranged by clubs individually. For details of the bespoke clubs scheme arranged with Howden and Lovat Insurance Brokers please click here.
There is no age limit.
The policy provides cover for individually registered rowers, coaches and the organisers of affiliated competitions and events, whilst taking part in British Rowing recognised activities, which include:
This means that the policy provides cover for those claims reported during the period of insurance (rather than the policy that was in force at the time of the incident).
In the event of a claim your limit of indemnity is the maximum your policy will pay. We believe that £10m is the minimum amount of cover to provide you with peace of mind in the event that you were held responsible for causing a catastrophic injury. We have already seem sports related claims that have exceeded £5m.
Professional Indemnity provides cover following negligent advice. If you are a coach, this cover will protect you in the event that an injury results from your negligent act or omission in your coaching.
There have been cases of members of sports clubs having disputes. Posts on web sites and contained in emails could be potentially libellous, for example, and, should your club arrange cover under the combined liability scheme, this section of cover will protect you if it is alleged that you have defamed someone else.
You should immediately record relevant information concerning incidents involving a fatality, an injury involving either referral to or actual hospital treatment, any allegations of libel / slander, any allegations of professional negligence, i.e. arising out of tuition, coaching or advice given, any investigation under any child protection legislation or any circumstance involving damage to third party property.
If there is a verbal / written allegation against you, you should advise Howden immediately, and pass on any documentation you may have received.
Yes but only for:
There are no excesses.
Within the terms of the policy and subject to the policy terms and conditions, yes, provided that:
No if you are injured you should seek legal advice on how to pursue a claim against the person(s) responsible for causing the injury. However, you may be eligible to claim for your injuries under the British Rowing Personal Accident Policy. Please click here for details of the cover provided or, to make a claim, download the personal accident claim form and submit it to Howden with the necessary supporting documentation.
Insurance cover is only available to members who have a permanent UK address. Such members are covered for recognised activities in both the UK and overseas (but excluding USA and Canada), provided that any overseas trip is officially recognised by British Rowing.
Any member permanently living abroad is not covered because the policy is subject to UK jurisdiction and the underwriters will not extend cover to permanent overseas residents.
If you are involved in an incident where you have injured someone else or caused damage to property, you should advise us as soon as possible.
To claim under the personal accident insurance, you should download a claim form and submit it to Howden with the necessary accompanying documentation.
The combined liability policy is in force to protect you from claims made against you by others. If you have an accident where you injure someone else or damage property, you should complete an incident report as soon as possible. If you have received a letter of claim from the injured party, please submit that to Howden immediately, without replying.
No, cover is provided to UK resident members only.