SportsGuard Benefits Details


Personal liability

Covering your legal liability resulting from accidents causing death, bodily injury or damage (Limited to £500,000 for physical injuries and £300,000 for property damage per claimant). Excess is £100 for sports equipment of third party.

Personal Accident

Accidental Death
Lump sum payable in the event of an accident causing Death (maximum death benefit for under 16's is £2,500)

Permanent Total Disability
Lump sum payable in the event of an accident causing the Insured never to be able to work again or causing loss of, or loss of use of, one or more eyes or limbs. No payment if age 65 years or over.

Weekly Benefit/Loss of Earnings (Temporary Total Disablement)
Compensation following an Accident during Sport that renders the Insured totally unable to pursue gainful employment. Payable for up to 26 weeks but excluding the first 14 days. Payment may never exceed 75% of normal income. Doctors certificate and witness statements may be required.

Legal Expenses & Advice

To pursue a claim for damages, following personal injury due to an accident, against a third party.

Inconvenience Benefit

Amount for each 24 hours whilst in hospital as an inpatient following an accident. Maximum 10 nights

Parent / Dependent Child Inconvenience Benefit

Amount for each 24 hours whilst Insured (who is fully dependent) is in Hospital as an in-patient following an accident. Maximum 20 nights.

Consultant Fees

To permit the Insured to gain a specialist medical opinion quickly with a private consultation following an accident

Physiotherapy Fees

Payment towards the actual costs of a course of physiotherapy following an accident that caused the insured to be hospitalised as an Inpatient and consequently to require physiotherapy treatment on the recommendation of a qualified specialist Doctor or the insured’s family G.P.

Dental Fees

Replacement or repair of natural teeth following an accident.

Season tickets

Reimbursement of season tickets, training courses, subscription fees, permits. Subscriptions of not less than five days, payable from the day following the accident.

Rescue/Search Fees

Covers charges for rescue, in mountains and at sea, by Civil and Police rescue squads.

Explanation of Top-up units
If you wish to increase the level of Personal Accident benefits you will receive you may "top-up" the cover with extra units. For example, if you would like your weekly loss of earnings benefit to be £150 instead of £100 when purchasing a silver annual policy, you will need to buy one additional top-up unit. Up to 10 additional units may be purchased.

All sums insured shown are the maximum payable per person. This is only a brief summary of the cover provided. The full terms and conditions of this insurance are in the Schedule Details, which are available on request.