POLICY INFORMATION

24 hour Worldwide Sports Accident cover: SportsGuard is an annual policy offering 365 day, 24 hour Sports Accident Cover whilst participating in an insured sports or leisure activity. Including: Physiotherapy cover; Loss of Earnings; Personal Liability Protection; Legal expenses; Personal Accident Benefits; Rehabilitation cover. It is valid worldwide but is not travel insurance. Single day cover is also available. SportsGuard - Annual worldwide sports accident protection. Do you have insurance for Accidents during your Sporting activities? Are you covered both at home and whilst abroad? The SportsGuard Policy provides activity insurance for a complete year. Personal and Team Cover is available for all amateur spots and outdoor activities. Premiums have been separated into four Sports risk groups and four Employment categories to ensure that they reflect the potential risks and are kept to a minimum. Accidents can happen at any time during sport - that's why the SportsGuard Policy is a sensible choice.

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Why do I need Accident Insurance?

Every accident is, by its very nature, an unpredictable event. The only thing predictable about accidents is that they will continue to happen with unrelenting regularity. Unfortunately, being careful does not guarantee that you will not be the victim of someone else's mistake! Statistics can predict accident rates for any given Sport or Activity but no-one can predict when they will occur or who will be involved.

An accident does not always cause damage or cost money but is more likely to if the nature of the Sport or Activity being undertaken means that you may fall heavily, are in contact with others or involves moving at high speed. No-one can ensure that they are not involved in Accidents but everyone can take steps to reduce their effects - and remember that Accidents do not exclusively effect those who cause them. No one should suffer financially as a result of an accident. The trauma of the accident itself may cause enough suffering.

The SportsGuard policy is designed to ensure that you have some compensation and protection for financial loss as a result of an accident and some help in recovering.

These web pages provide a summary of the cover provided by SportsCover Direct. They do not form part of a contract. Read a copy of the full Terms, Conditions and Exclusions click here.

You can also download our brochure in PDF format. If you do not have the free Abobe Acrobat Reader click here:

IMPORTANT INFORMATION

INSURANCE SCHEDULE

Your Schedule will be issued on receipt of the appropriate premium. Please read this document carefully as it contains the full details of what is and is not covered and the conditions of the cover. Should you wish a specimen copy will be made available prior to purchase. Cover will vary from policy to policy and insurer to insurer.

DEFINITION OF THE TERM ACCIDENT

“Accident” means a sudden, unexpected, unusual, specific event which occurs at an identifiable time and place.

SUMS INSURED AND LIMITS

All sections of the insurance have a limit on the amount the Insurer will pay. Some sections have internal sub-limits such as the amount the Insurer will pay for any one item.

EXCESSES

Under most sections of the insurance, claims will be subject to an excess. This means that you will be responsible for paying part of the claim. The amount you have to pay is the excess.

REASONABLE CARE

You are required to take all reasonable care to protect yourself and your property and to act at all times as if you are not insured.

COMPLAINTS

The Insurance Schedule contains a complaints procedure which tells you what steps to take should you wish to make a complaint.

‘COOLING OFF PERIOD’

In the unlikely event that, on receipt of your Certificate containing the terms and conditions, the insurance is judged to be inappropriate, your premium will be refunded in full provided that you return the Schedule within 14 days of the date of issue, or prior to use if this is sooner, and no claim is made.

JURISDICTION

The insurance will be subject to English Law unless you and the Insurer agrees otherwise.

COUNTRIES COVERED

You are insured in any country to which normal travel is not restricted. Available to UK / BFPO / Channel Islands / Irish residents only unless agreed otherwise in writing.

HEALTH

The insurance contains conditions that relate to your health. In particular you must declare pre-existing medical problems and details of all medical claims made in the past 3 years.

DURATION OF COVER

Valid for one full year (annual) or one specific day (single day). The insurance is effective from the date processed (unless otherwise requested). Please note the cover will not incept if any payment method is dishonoured. Once paid, premium will not be reimbursed as a result of the Insured terminating or attempting to terminate the insurance.

MULTIPLE INSURANCE

At the time the claim is notified, should it be found that one or more prior contracts cover the same risks and have as their object the primary coverage of one of the risks insured, this contract will come into force only after full payment of the amounts insured under the other contract i.e. as a complementary insurance.

HOW TO CLAIM

Contact the Claims Service within five days of your Accident to declare it. Failure to comply with this deadline, unless for reasons beyond your control, may entail rejection. The policy wording contains further detailed provisions regarding claims and their payment.

INSURERS

The insurance is underwritten with certain underwriters at Lloyd’s.

AGE LIMITATIONS

Any applicant over the age of 70 on date of application must complete a medical questionnaire and be accepted in writing.

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