If you have a query not covered by the list below please contact Howden by email or call 0121 698 8156.
Yes, the cover is provided to you as an individual member of British Rowing.
No, the British Rowing membership insurance protects you individually. Clubs have their own duty of care and need to arrange their own cover to protect their liabilities.
Yes, the BR insurance will cover you whilst you are training on land, including:
No, liability resulting from a road accident should be covered under you motor insurance, including towing. We recommend that you check with your motor insurer.
Yes, you will be covered under the personal accident insurance section, for the specific benefits provided.
Not under the liability insurance, as you can't claim for damage to your own property. You should arrange asset cover for your boats and equipment, which can be done via Elite Rowing.
Yes, the combined liability cover is designed to cover injuries to other people, or damage to their property, caused by your negligence.
You may be able to claim benefits for your injuries under the personal accident cover, but your own liability insurance will not cover injuries to you or damage to your own property.
Yes, you are covered to take part in all club activities.
You only have cover for events organised by or approved by British Rowing.
No, cover also applies to any type of rowing boat, including fixed seat. It does not apply to other types of boat, e.g. canoes or sailing boats.
Any motor powered launch should be covered by specific marine insurance, which can be arranged by Elite Rowing. The combined liability policy provides a contingent cover for when you are driving the launch in connection with a rowing activity, which will protect you if a claim is made against you. You are not covered if you are driving a launch for any non-rowing purpose.
There are no extra conditions for the insurance cover provided for juniors or adults, both are protected in the same way. Personal accident insurance is not provided for members aged 80+.
No. The club could potentially sue you for the cost of the damage to the club boat, as could the third party, but the British Rowing insurance would not proivde cover as this could be considered a criminal act.
This would depend on which rule has been breached and the circumstances of the particular incident.
No, your cover as an individual would remain valid, although this may invalidate any insurance that the club has arranged.
Yes, but you are responsible and you must always ensure that you know about risk assessment and take action to mitigate any risks to yourself and others.
Your insurance could be invalidated if you have acted recklessly, but it would depend on the particular circumstances of the incident. It is important that you have carried out a risk assessment, in particular understanding and taking account of advice from your club and heeding the information provided by the local navigation authority, before commencing any activity. If in doubt, do not row.
As an individual member, you should keep British Rowing appraised of changes to your circumstances. As a coach, if there is a change in your circumstances that could affect your judgement or ability to coach (such as a medical condition) you should make British Rowing aware. Carrying out any activity against medical advice could result in your cover being invalidated.
Insurance cover commences on the date that payment for your membership renewal is received by British Rowing. Insurance cover will cease immediately on the expiry date of your membership.
Yes, your British Rowing insurance will cover you while you are rowing, provided your club is affiliated to British Rowing. However, you will need to take out travel insurance to cover potential third party claims, emergency medical expenses, loss of personal property etc. For a travel insurance quotation click here.
No. It is vital that you arange travel insurance whenever you are going abroad. This will provide cover for your medical expenses if you are injured or taken ill, as well as covering lost and delayed baggage and cancellation costs.
Yes, your membership provides insurance cover for you as an individual, provided that the event is recognised by British Rowing. This would include events recognised by FISA, but if in any doubt check with British Rowing.
No. If you are out of the UK for more than 6 months, or if you are temporary resident in another country, the policy will no longer apply and you will need to arrange cover in the country where you are resident.
If you are injured, and you feel that it is someone else's fault, you should seek 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. You should also make sure that you complete and incident report form for British Rowing.
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 us 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 now received a letter of claim from the injured party, please submit that to Howden immediately, without replying.
Members and officials of British Rowing are insured to take part in competitions run under the rules of another national rowing association.