POLICY INFORMATION

By having insurance you can feel free in the knowledge that if anything should happen, finance is not an issue - you choose what sport and how much cover. At SportsCover Direct we believe it is important that you have all the information you need before committing to an insurance policy and that you know what is and is not included in your cover, what will happen if things go wrong and how we will handle it.

The TeamGuard policy has been specifically designed to cover the Individuals within a Squad who make up a Team. It incorporates non-professionals whilst they are playing or practicing (including travel to and from) both at home and abroad and enables the enjoyment of the sport without the worry of the consequences. Accidents can happen at any level or frequency of sport and by taking out an insurance policy you ensure that if you are involved in an accident the most important issues can be taken care of :- personal liability cover, personal accident protection and loss of earnings.

The questions you need to ask yourself are - if I am off work temporarily who pays the bills? In the event of an injury that prevents me from working, who pays the mortgage and provides financial assistance? Will statutory sick pay cover my normal outgoings? If I injure someone else, what happens if they sue me? Many people participate in high-risk sports and never get injured but why have an additional risk?

No one should suffer financially as a result of an accident. The TeamGuard 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.

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

IMPORTANT INFORMATION

INSURANCE SCHEDULE

The TeamGuard 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.

HEALTH

The insurance contains conditions that relate to the health of each insured. In particular pre-existing medical problems and details of all medical claims made in the past 3 years must be declared. Pre-existing medical conditions that are not declared can invalidate the cover.

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 the Insured will be responsible for paying part of the claim. The amount you have to pay is the excess.

REASONABLE CARE

Each insured person is required to take all reasonable care to protect themselves and to act at all times as if they are not insured.

COMPLAINTS

The Insurance Schedule contains a complaints procedure that explains what steps to take should the Insured wish to make a complaint.

‘COOLING OFF PERIOD’

In the unlikely event that, on receipt of your Schedule containing the terms and conditions, the insurance is judged to be inappropriate, the premium will be refunded in full provided that the Schedule is returned within 7 days of the date of issue and no claim is made.

JURISDICTION

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

COUNTRIES COVERED

Each named Team player is insured in any country to which normal travel is not restricted whilst on official Team travel. Available to UK / BFPO / Irish residents only. THIS IS NOT A SUBSTITUTE FOR TRAVEL INSURANCE.

DEFINITION OF THE TERM ACCIDENT

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

DURATION OF COVER

Valid for one full year. The insurance is effective from the date processed (unless otherwise requested). Please note the cover will not commence 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 handling company within five days of an 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 based with certain underwriters at Lloyds.

AGE LIMITATIONS

Any applicant over the age of 70 on date of application cannot be covered.

CHANGES TO THE SQUAD

The names of the players who make up a Squad can be changed up to five times during the course of the validity of the policy. For changes of more than five (up to a maximum of ten) an administration charge will apply.