Key Facts

Key Facts about our service

 

This document lists key facts relating to the service that we offer to our Customers.

 

Who regulates you?

 

SportsCover Direct is authorised and regulated by the Financial Conduct Authority (FCA – firm number is 309959). The FCA is the independent watchdog that regulates all financial services.

 

How can I check your status?

 

You can check that a firm is authorised by looking at the FCA register on the FCA website at fsa.gov.uk or by calling the FCA Consumer Helpline on 0845 601234.

 

Who is SportsCover Direct?

 

SportsCover Direct Limited is an Insurance Intermediary wholly independent of any Insurance company. Our address for correspondence is Dovetail House, Wycombe Road, Stokenchurch, Bucks, HP14 3RQ Tel: 01494 484800 email: info@sportscover.co.uk .

 

What range of policies do you offer?

 

We work with a number of insurers to provide you with a tailored policy that is unique to us and suitable for your needs.

 

What type of service do you provide?

 

We may ask some questions to narrow down the type of cover you need and will then present to you the options available to you for your chosen activities. You will then need to make your own choice about how to proceed.

 

Will you charge a fee for your services?

 

All the prices we quote for Insurance Policies are inclusive of local Tax and we do not charge fees. If you ask us to vary a policy after purchase or to cancel certain types of policy we reserve the right to charge a reasonable fee under certain circumstance. Our Terms and Conditions contain more details.

 

How do I make a complaint?

We are dedicated to providing you with a high quality service and we want to ensure that we maintain this at all times. If you feel that we have not offered you a first class service and wish to complain you can do so by following our complaints procedure. For further details on how to make a complaint please visit the complaints page here

 

Are you covered by the Financial Services Compensation Scheme (FSCS)?

 

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we are unable to meet our obligations under this contract. A claim under this contract of non compulsory insurance is covered for 90% of the claim without any upper limit.

 

Further information about the scheme is available from the Financial Services Compensation Scheme at the below address or on their website: www.fscs.org.uk

Key Facts about the Sports Travel Insurance policy

 

This document is a listing of our key facts for the sports travel insurance policy. It contains selected information only. Your insurance schedule and the policy wording provide full details of the cover purchased.

 

Who is the Insurer?

 

This Policy is arranged and administered by SportsCover Direct Ltd (trading as SportsCover Direct & Protectivity) and is underwritten by Catlin Insurance Company (UK) Ltd. who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Firm Reference No. 423308).

 

What sort of insurance is this?

 

A Sports Travel Insurance policy satisfies the demands and needs of a person who wishes to be covered for travel and sports/leisure activities whilst travelling away from their home and also whilst participating in Sports/Leisure activities listed in the sports group that they have chosen and lower numbered groups.

 

How long will my cover last?

 

The actual validity dates are shown on the Insurance Schedule. Annual policies are valid for one full year and Single Trip / Extended stay policies are valid for specific dates purchased. You may need to review and update your cover periodically to ensure it remains adequate. The insurance is effective from the date processed (unless otherwise requested). Please note the cover will not incept if any payment method is dishonoured. We do not issue policies of more than 1 year although we will consider extending policies on application and with Insurers written agreement.

 

Are there any significant and unusual exclusions or limitations?

 

These are all set out fully in the policy wording and please note the following:

 

  • This policy is only available to persons resident in the United Kingdom or an official BFPO address
  • This policy only covers amateur activities – Professionals (earning over £5000 pa); are excluded.
  • There is an exclusion for losses arising from war or terrorist activities.
  • The insurance contains important conditions that relate to your health and existing medical conditions. In particular you must declare pre-existing medical problems and details of all medical claims made in the past 2 years.
  • There are specific sports conditions applicable to certain sports such as diving, winter sports and mountaineering.
  • There are limits to the amount the insurer will pay in all sections of the policy. Some sections have internal sub-limits such as the amount the insurer will pay for any one item or the total amount for all valuables (such as photographic equipment).
  • You may be responsible for paying part of the claim. The amount you have to pay is the excess. Under most sections of the insurance, claims will be subject to an excess as set out in the Benefits table.
  • 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.
  • The insurance does not provide cover on a ‘new for old’ basis. This means that claims will be paid on the basis of the value of your property at the time of loss.

 

What is TopUp cover?

 

TopUp cover means insurance for activities that take place for a selected period during a journey. TopUp cover is valid only whilst participating in activities during a journey which is covered by an equivalent Travel Insurance which excludes the activities for which the TopUp cover is taken out.

 

Does it benefit me to have a European Health Insurance Card (EHIC)?

 

Yes, for medical claims that exceed the monetary excess we will waive the stated excess when the EHIC or Medicare is used to reduce the cost.

 

What are my cancellation rights?

 

This document explains the consequences of cancelling an Insurance Policy and the resulting validity dates of cover. It also explains the way we treat policies paid in full and policies paid by instalments and how any claim that occurs after cancellation will be treated.

 

  • Cancellation within the 14 day Cooling Off period if a Policy has not been used

You can cancel this policy within 14 days of receipt of the policy documents or the start date (date of first payment), whichever is later (the cooling off period). We will cancel this policy back to the start date and refund the full Insurance premium (excluding fees charged at the point of sale, for example credit card and postage fees) to you providing the policy has not been relied upon and no claim has occurred. This will mean that you never had any cover or protection from this policy and no claim against it will be considered.

 

  • Cancellation outside the Cooling Off period – by customer request

You can request to cancel this policy outside of the “cooling off period” or during this period if you have relied on it but not made a claim. You are required to give 7 days’ notice.

 

a) When the Premium has been paid in full

Provided no claim has been made and there is no likelihood that a claim might arise we will cancel the policy on request. We will keep an amount of premium in proportion to the time you have been on cover and refund the rest to you less a charge £25 or 50% of the premium (whichever is greater) up to a maximum of £50, as an administration fee. The policy will be considered void from the date that the 7-day notice period ends.

 

b) When the Premium is partially paid (ie some instalments are still due)

Provided no claim has been made and there is no likelihood that a claim might arise we will cancel the policy on request. We will calculate the refund due as if the full premium had been paid (see a. above). We will then reduce the amount refundable by the amount of unpaid premium. If this results in a negative amount you will be asked to pay the difference if you wish to preserve some cover for the period up to the cancellation date. If you refuse to pay the outstanding premium, we will calculate the duration of cover for which you have paid and cover will cease from that date.

 

  • Cancellation outside the Cooling Off period – by failure to pay the agreed premium

If you fail to pay an instalment on the agreed date, we will commence the failed payment cancellation process outlined below.

 

  1. We will attempt to contact you immediately to ask for payment.
  2. We will send one further email and then attempt to call you
  3. We will send a letter by Recorded Delivery and a letter by first class post. We charge a £3.50 fee for this which is added to the unpaid instalment.
  4. We will cancel your policy using the cancellation terms outlined in point 2b. The end validity date will be calculated once all fees and charges have been taken into account. No refund will be given if we are unable to contact you after defaulting on instalments or if sufficient payment has not been made to cover your obligations.

 

 

Making a claim after a policy is cancelled
If you make a claim, provided the claim is made for an incident that occurred whilst the policy is valid, then the full premium, cancellation fees, other fees and excess will need to be paid before the claim is considered.
If you make a claim for an incident that occurred for a period now cancelled, then it will not be paid as cover was removed when the cancellation occurred.

 

Instalments

If we allow you to pay for a Policy by instalments, you are agreeing to pay the Premium in full. We are effectively lending you the money to pay for the policy. If you fail to pay an instalment at the agreed time, then the remaining premium becomes due in full – unless you contact us and we agree otherwise.

 

If you are paying by instalments and your policy is cancelled, you may be asked to pay more if you wish to maintain cover up to the date on which you are cancelling. If you fail to pay, or you default on a payment the cancellation date may be moved back, based on a pro-rata calculation, to a point where the administration fee is recoverable.

 

How do I claim?

 

In case of a medical emergency whilst abroad you should contact the International Helpline as soon as you are able. Assistance related expenses MUST be authorised via the 24 hour helpline. Please see our claims page for full details.

 

If I am unhappy what steps do I take to complain?

We are dedicated to providing you with a high quality service and we want to ensure that we maintain this at all times. If you feel that we have not offered you a first class service and wish to complain you can do so by following our complaints procedure. For further details on how to make a complaint please visit the complaints page here.

 

 

Am I covered by the Financial Services Compensation Scheme (FSCS)?

 

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we are unable to meet our obligations under this contract. A claim under this contract of non compulsory insurance is covered for 90% of the claim without any upper limit. Further information about the scheme is available from the Financial Services Compensation Scheme at the below address or on their website: www.fscs.org.uk

Key Facts about the Activity TopUp policy

 

This document is a listing of our key facts for the Activity TopUp Insurance Policy. It contains selected information only. Your insurance schedule and the schedule details provide full details of the cover purchased.

 

Who is the Insurer?

 

This Policy is arranged and administered by SportsCover Direct Ltd (trading as SportsCover Direct & Protectivity) and is underwritten by Catlin Insurance Company (UK) Ltd. who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Firm Reference No. 423308).

 

What sort of insurance is this?

 

The Activity TopUp Insurance policy satisfies the demands and needs of a person who wishes to be covered for Travel and Sports/Leisure activities whilst travelling away from their home that are excluded from their valid travel insurance policy wording and also whilst participating in Sports/Leisure activities listed in the sports group that they have chosen and lower numbered groups.

 

How long will my cover last?

 

The actual validity dates are shown on the Insurance Schedule. Annual policies are valid for one full year and Single Trip / Extended stay policies are valid for specific dates purchased. You may need to review and update your cover periodically to ensure it remains adequate. The insurance is effective from the date processed (unless otherwise requested). Please note the cover will not incept if any payment method is dishonoured. We do not issue policies of more than 1 year although we will consider extending policies on application and with Insurers written agreement.

 

Are there any significant and unusual exclusions or limitations?

 

These are all set out fully in the policy wording and please note the following:

 

  • Activity TopUp is only available to persons resident in the United Kingdom or an official BFPO address.
  • Activity TopUp only covers amateur activities – Professionals (earning over £5000 pa); are excluded.
  • Persons over 75 years cannot be covered.
  • There is an exclusion for losses arising from war or terrorist activities.
  • The insurance contains important conditions that relate to your health and existing medical conditions. In particular you must declare pre-existing medical problems and details of all medical claims made in the past 2 years.
  • There are specific sports conditions applicable to certain sports such as diving, polo, motorised activities, winter sports and mountaineering.
  • There are limits to the amount the insurer will pay in all sections of the policy. Some sections have internal sub-limits such as the amount the insurer will pay for any one item or the total amount for all valuables (such as photographic equipment).
  • You may be responsible for paying part of the claim. The amount you have to pay is the excess. Under most sections of the insurance, claims will be subject to an excess as set out in the benefits table.
  • 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.
  • The insurance does not provide cover on a ‘new for old’ basis. This means that claims will be paid on the basis of the value of your property at the time of loss.

 

What is TopUp cover?

 

TopUp cover means insurance for activities that take place for a selected period during a journey. TopUp cover is valid only whilst participating in activities during a journey which is covered by an equivalent Travel Insurance which excludes the activities for which the TopUp cover is taken out.

 

Does it benefit me to have an EHIC?
Yes, for medical claims that exceed the monetary excess we will waive the stated excess when the EHIC or Medicare is used to reduce the cost.

 

What are my cancellation rights?

 

This document explains the consequences of cancelling an Insurance Policy and the resulting validity dates of cover. It also explains the way we treat policies paid in full and policies paid by instalments and how any claim that occurs after cancellation will be treated.

  • Cancellation within the 14 day Cooling Off period if a Policy has not been used

You can cancel this policy within 14 days of receipt of the policy documents or the start date (date of first payment), whichever is later (the cooling off period). We will cancel this policy back to the start date and refund the full Insurance premium (excluding fees charged at the point of sale, for example credit card and postage fees) to you providing the policy has not been relied upon and no claim has occurred. This will mean that you never had any cover or protection from this policy and no claim against it will be considered.

  • Cancellation outside the Cooling Off period – by customer request

You can request to cancel this policy outside of the “cooling off period” or during this period if you have relied on it but not made a claim. You are required to give 7 days’ notice.

 

a) When the Premium has been paid in full

Provided no claim has been made and there is no likelihood that a claim might arise we will cancel the policy on request. We will keep an amount of premium in proportion to the time you have been on cover and refund the rest to you less a charge £25 or 50% of the premium (whichever is greater) up to a maximum of £50, as an administration fee. The policy will be considered void from the date that the 7-day notice period ends.

 

b) When the Premium is partially paid (ie some instalments are still due)

Provided no claim has been made and there is no likelihood that a claim might arise we will cancel the policy on request. We will calculate the refund due as if the full premium had been paid (see a. above). We will then reduce the amount refundable by the amount of unpaid premium. If this results in a negative amount you will be asked to pay the difference if you wish to preserve some cover for the period up to the cancellation date. If you refuse to pay the outstanding premium, we will calculate the duration of cover for which you have paid and cover will cease from that date.

 

  • Cancellation outside the Cooling Off period – by failure to pay the agreed premium

If you fail to pay an instalment on the agreed date, we will commence the failed payment cancellation process outlined below.

 

  1. We will attempt to contact you immediately to ask for payment.
  2. We will send one further email and then attempt to call you
  3. We will send a letter by Recorded Delivery and a letter by first class post. We charge a £3.50 fee for this which is added to the unpaid instalment.
  4. We will cancel your policy using the cancellation terms outlined in point 2b. The end validity date will be calculated once all fees and charges have been taken into account. No refund will be given if we are unable to contact you after defaulting on instalments or if sufficient payment has not been made to cover your obligations.

 

 

Making a claim after a policy is cancelled
If you make a claim, provided the claim is made for an incident that occurred whilst the policy is valid, then the full premium, cancellation fees, other fees and excess will need to be paid before the claim is considered.
If you make a claim for an incident that occurred for a period now cancelled, then it will not be paid as cover was removed when the cancellation occurred.

 

Instalments

If we allow you to pay for a Policy by instalments, you are agreeing to pay the Premium in full. We are effectively lending you the money to pay for the policy. If you fail to pay an instalment at the agreed time, then the remaining premium becomes due in full – unless you contact us and we agree otherwise.

 

If you are paying by instalments and your policy is cancelled, you may be asked to pay more if you wish to maintain cover up to the date on which you are cancelling. If you fail to pay, or you default on a payment the cancellation date may be moved back, based on a pro-rata calculation, to a point where the administration fee is recoverable.

 

How do I claim?

 

In case of a medical emergency whilst abroad you should contact the International Helpline as soon as you are able. Assistance related expenses MUST be authorised via the 24 hour helpline. Please see our claims page for details on making a claim.

 

If I am unhappy what steps do I take to complain?

 

We are dedicated to providing you with a high quality service and we want to ensure that we maintain this at all times. If you feel that we have not offered you a first class service and wish to complain you can do so by following our complaints procedure. For further details on how to make a complaint please visit the complaints page here

 

Am I covered by the Financial Services Compensation Scheme (FSCS)?

 

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we are unable to meet our obligations under this contract. A claim under this contract of non compulsory insurance is covered for 90% of the claim without any upper limit. Further information about the scheme is available from the Financial Services Compensation Scheme at the below address or on their website: www.fscs.org.uk

Key Facts about the Sports Accident policy

 

This document is a listing of our key facts for the Activity TopUp Insurance Policy. It contains selected information only. Your insurance schedule and the schedule details provide full details of the cover purchased.

 

Who is the Insurer?

 

This Policy is arranged and administered by SportsCover Direct Ltd (trading as SportsCover Direct & Protectivity) and is underwritten by Catlin Insurance Company (UK) Ltd. who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Firm Reference No. 423308).

 

What sort of insurance is this?

 

A sports accident insurance policy satisfies the demands and needs of an active person who wishes to be covered by a sports accident protection policy whilst participating in sports / leisure activities listed in the sports group(s) that they have chosen. Sports Accident Insurance is not travel insurance as it has no cover for medical fees or repatriation.

 

How long will my cover last?

 

The actual validity dates are shown on the insurance schedule. Sports accident policies are valid for one full year. Please note that the cover will not incept if any payment method is dishonoured. We do not issue policies of more than one year although we will consider extending policies on application and with Insurers written agreement.

 

Are there any significant and unusual exclusions or limitations?

 

These are all set out fully in the policy wording and please note the following:

 

  • This policy is only available for persons resident in the United Kingdom or an official BFPO address
  • This policy only covers amateur activities – professionals (earning over £5000 pa); are excluded
  • There is an exclusion for losses arising from war or terrorist activities
  • The insurance contains important conditions that relate to your health and existing medical conditions. In particular you must declare pre-existing medical problems and details of all medical claims made in the past 2 years.
  • This policy is not a travel insurance and has no cover for medical fees and repatriation
  • No persons over 75 can be covered by this policy
  • There are limits to the amount the insurer will pay in all sections of the policy. Some sections have internal sub-limits.
  • You may be responsible for paying part of the claim. The amount you have to pay is the excess. Under most sections of the insurance, claims will be subject to an excess as set out in the benefits table.
  • 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.

 

What are my cancellation rights?

This document explains the consequences of cancelling an Insurance Policy and the resulting validity dates of cover. It also explains the way we treat policies paid in full and policies paid by instalments and how any claim that occurs after cancellation will be treated.

  • Cancellation within the 14 day Cooling Off period if a Policy has not been used

You can cancel this policy within 14 days of receipt of the policy documents or the start date (date of first payment), whichever is later (the cooling off period). We will cancel this policy back to the start date and refund the full Insurance premium (excluding fees charged at the point of sale, for example credit card and postage fees) to you providing the policy has not been relied upon and no claim has occurred. This will mean that you never had any cover or protection from this policy and no claim against it will be considered.

  • Cancellation outside the Cooling Off period – by customer request

You can request to cancel this policy outside of the “cooling off period” or during this period if you have relied on it but not made a claim. You are required to give 7 days’ notice.

 

a) When the Premium has been paid in full

Provided no claim has been made and there is no likelihood that a claim might arise we will cancel the policy on request. We will keep an amount of premium in proportion to the time you have been on cover and refund the rest to you less a charge £25 or 50% of the premium (whichever is greater) up to a maximum of £50, as an administration fee. The policy will be considered void from the date that the 7-day notice period ends.

 

b) When the Premium is partially paid (ie some instalments are still due)

Provided no claim has been made and there is no likelihood that a claim might arise we will cancel the policy on request. We will calculate the refund due as if the full premium had been paid (see a. above). We will then reduce the amount refundable by the amount of unpaid premium. If this results in a negative amount you will be asked to pay the difference if you wish to preserve some cover for the period up to the cancellation date. If you refuse to pay the outstanding premium, we will calculate the duration of cover for which you have paid and cover will cease from that date.

  • Cancellation outside the Cooling Off period – by failure to pay the agreed premium

If you fail to pay an instalment on the agreed date, we will commence the failed payment cancellation process outlined below.

 

  1. We will attempt to contact you immediately to ask for payment.
  2. We will send one further email and then attempt to call you
  3. We will send a letter by Recorded Delivery and a letter by first class post. We charge a £3.50 fee for this which is added to the unpaid instalment.
  4. We will cancel your policy using the cancellation terms outlined in point 2b. The end validity date will be calculated once all fees and charges have been taken into account. No refund will be given if we are unable to contact you after defaulting on instalments or if sufficient payment has not been made to cover your obligations.

 

 

Making a claim after a policy is cancelled
If you make a claim, provided the claim is made for an incident that occurred whilst the policy is valid, then the full premium, cancellation fees, other fees and excess will need to be paid before the claim is considered.
If you make a claim for an incident that occurred for a period now cancelled, then it will not be paid as cover was removed when the cancellation occurred.

 

Instalments

If we allow you to pay for a Policy by instalments, you are agreeing to pay the Premium in full. We are effectively lending you the money to pay for the policy. If you fail to pay an instalment at the agreed time, then the remaining premium becomes due in full – unless you contact us and we agree otherwise.

 

If you are paying by instalments and your policy is cancelled, you may be asked to pay more if you wish to maintain cover up to the date on which you are cancelling. If you fail to pay, or you default on a payment the cancellation date may be moved back, based on a pro-rata calculation, to a point where the administration fee is recoverable.

 

How do I claim?

 

Please see our claims page for full details.

 

If I am unhappy what steps do I take to complain?

We are dedicated to providing you with a high quality service and we want to ensure that we maintain this at all times. If you feel that we have not offered you a first class service and wish to complain you can do so by following our complaints procedure. For further details on how to make a complaint please visit the complaints page here

 

Am I covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we are unable to meet our obligations under this contract. A claim under this contract of non compulsory insurance is covered for 90% of the claim without any upper limit. Further information about the scheme is available from the Financial Services Compensation Scheme at the below address or on their website: www.fscs.org.uk

Key Facts about the Children’s sports accident policy

 

This document is a listing of our key facts for the children’s sports accident Policy. It contains selected information only. Your insurance schedule and the schedule details provide full details of the cover purchased.

 

Who is the Insurer?

 

This Policy is arranged and administered by SportsCover Direct Ltd (trading as SportsCover Direct & Protectivity) and is underwritten by Catlin Insurance Company (UK) Ltd. who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Firm Reference No. 423308).

 

What sort of insurance is this?

 

A children’s sports accident insurance policy satisfies the demands and needs of an active person who wishes to be covered by a sports accident protection policy whilst participating in sports / leisure activities listed in the sports group(s) that they have chosen. This policy is not travel insurance as it has no cover for medical fees or repatriation.

 

How long will my cover last?

 

The actual validity dates are shown on the insurance schedule. Annual policies are valid for one full year and single day cover is valid on the day specified on the Schedule. Please note the cover will not incept if any payment method is dishonoured. We do not issue policies of more than one year although we will consider extending policies on application and with Insurers written agreement.

 

Are there any significant and unusual exclusions or limitations?

 

These are all set out fully in the policy wording and please note the following:

 

  • This policy is only available to persons resident in the United Kingdom, Channel Isles or an official BFPO addres
  • This policy covers amateur activities – professionals (earning over £5000 pa); are excluded
  • There is an exclusion for losses arising from war or terrorist activities
  • The insurance contains important conditions that relate to your health and existing medical conditions. In particular you must declare pre-existing medical problems and details of all medical claims made in the past 3 years.
  • There are specific sports conditions applicable to certain sports such as diving and mountaineering
  • This policy is not a travel insurance and has no cover for medical fees and repatriation
  • This policy is only available to children up to the age of 18 years at inception of the Insurance.
  • There are limits to the amount the insurer will pay in all sections of the policy. Some sections have internal sub-limits.
  • You may be responsible for paying part of the claim. The amount you have to pay is the excess. Under most sections of the insurance, claims will be subject to an excess as set out in the Benefits table.
  • 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.

 

What are my cancellation rights?

This document explains the consequences of cancelling an Insurance Policy and the resulting validity dates of cover. It also explains the way we treat policies paid in full and policies paid by instalments and how any claim that occurs after cancellation will be treated.

  • Cancellation within the 14 day Cooling Off period if a Policy has not been used

You can cancel this policy within 14 days of receipt of the policy documents or the start date (date of first payment), whichever is later (the cooling off period). We will cancel this policy back to the start date and refund the full Insurance premium (excluding fees charged at the point of sale, for example credit card and postage fees) to you providing the policy has not been relied upon and no claim has occurred. This will mean that you never had any cover or protection from this policy and no claim against it will be considered.

  • Cancellation outside the Cooling Off period – by customer request

You can request to cancel this policy outside of the “cooling off period” or during this period if you have relied on it but not made a claim. You are required to give 7 days’ notice.

 

a) When the Premium has been paid in full

Provided no claim has been made and there is no likelihood that a claim might arise we will cancel the policy on request. We will keep an amount of premium in proportion to the time you have been on cover and refund the rest to you less a charge £25 or 50% of the premium (whichever is greater) up to a maximum of £50, as an administration fee. The policy will be considered void from the date that the 7-day notice period ends.

 

b) When the Premium is partially paid (ie some instalments are still due)

Provided no claim has been made and there is no likelihood that a claim might arise we will cancel the policy on request. We will calculate the refund due as if the full premium had been paid (see a. above). We will then reduce the amount refundable by the amount of unpaid premium. If this results in a negative amount you will be asked to pay the difference if you wish to preserve some cover for the period up to the cancellation date. If you refuse to pay the outstanding premium, we will calculate the duration of cover for which you have paid and cover will cease from that date.

  • Cancellation outside the Cooling Off period – by failure to pay the agreed premium

If you fail to pay an instalment on the agreed date, we will commence the failed payment cancellation process outlined below.

 

  1. We will attempt to contact you immediately to ask for payment.
  2. We will send one further email and then attempt to call you
  3. We will send a letter by Recorded Delivery and a letter by first class post. We charge a £3.50 fee for this which is added to the unpaid instalment.
  4. We will cancel your policy using the cancellation terms outlined in point 2b. The end validity date will be calculated once all fees and charges have been taken into account. No refund will be given if we are unable to contact you after defaulting on instalments or if sufficient payment has not been made to cover your obligations.

 

 

Making a claim after a policy is cancelled
If you make a claim, provided the claim is made for an incident that occurred whilst the policy is valid, then the full premium, cancellation fees, other fees and excess will need to be paid before the claim is considered.
If you make a claim for an incident that occurred for a period now cancelled, then it will not be paid as cover was removed when the cancellation occurred.

 

Instalments

If we allow you to pay for a Policy by instalments, you are agreeing to pay the Premium in full. We are effectively lending you the money to pay for the policy. If you fail to pay an instalment at the agreed time, then the remaining premium becomes due in full – unless you contact us and we agree otherwise.

 

If you are paying by instalments and your policy is cancelled, you may be asked to pay more if you wish to maintain cover up to the date on which you are cancelling. If you fail to pay, or you default on a payment the cancellation date may be moved back, based on a pro-rata calculation, to a point where the administration fee is recoverable.

 

How do I claim?

 

Please see our claims page for details on making a claim.

 

If I am unhappy what steps do I take to complain?

We are dedicated to providing you with a high quality service and we want to ensure that we maintain this at all times. If you feel that we have not offered you a first class service and wish to complain you can do so by following our complaints procedure. For further details on how to make a complaint please visit the complaints page here

 

 

Am I covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we are unable to meet our obligations under this contract. A claim under this contract of non compulsory insurance is covered for 90% of the claim without any upper limit. Further information about the scheme is available from the Financial Services Compensation Scheme at the below address or on their website: www.fscs.org.uk

Key Facts about the sports team policy

 

This document is a listing of our key facts for the sports team insurance policy. It contains selected information only. Your insurance schedule and the schedule details provide full details of the cover purchased.

 

Who is the Insurer?

 

This Policy is arranged and administered by SportsCover Direct Ltd (trading as SportsCover Direct & Protectivity) and is underwritten by Catlin Insurance Company (UK) Ltd. who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Firm Reference No. 423308).

 

What sort of insurance is this?

 

A sports team accident insurance policy satisfies the demands and needs of a team or squad of individuals who wish to be covered by a sports accident protection policy whilst participating in the sport of football as listed on the schedule. Sports accident insurance is not travel insurance as it has no cover for medical fees or repatriation.

 

How long will my cover last?

 

The actual validity dates are shown on the insurance schedule. Sports team accident policies are valid for one full year. Please note that the cover will not incept if any payment method is dishonoured. We do not issue policies of more than one year although we will consider extending policies on application and with Insurers written agreement.

 

Are there any significant and unusual exclusions or limitations?

 

These are all set out fully in the policy wording and please note the following:

 

  • This policy is only available for persons resident in the United Kingdom or an official BFPO address
  • This policy only covers amateur activities – professionals (earning over £5000 pa); are excluded
  • There is an exclusion for losses arising from war or terrorist activities
  • The insurance contains important conditions that relate to your health and existing medical conditions. In particular you must declare pre-existing medical problems and details of all medical claims made in the past 2 years.
  • This policy is not a travel insurance and has no cover for medical fees and repatriation
  • No persons over 75 can be covered by this policy
  • There are limits to the amount the insurer will pay in all sections of the policy. Some sections have internal sub-limits.
  • You may be responsible for paying part of the claim. The amount you have to pay is the excess. Under most sections of the insurance, claims will be subject to an excess as set out in the benefits table.
  • 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.

 

What are my cancellation rights?

This document explains the consequences of cancelling an Insurance Policy and the resulting validity dates of cover. It also explains the way we treat policies paid in full and policies paid by instalments and how any claim that occurs after cancellation will be treated.

  • Cancellation within the 14 day Cooling Off period if a Policy has not been used

You can cancel this policy within 14 days of receipt of the policy documents or the start date (date of first payment), whichever is later (the cooling off period). We will cancel this policy back to the start date and refund the full Insurance premium (excluding fees charged at the point of sale, for example credit card and postage fees) to you providing the policy has not been relied upon and no claim has occurred. This will mean that you never had any cover or protection from this policy and no claim against it will be considered.

  • Cancellation outside the Cooling Off period – by customer request

You can request to cancel this policy outside of the “cooling off period” or during this period if you have relied on it but not made a claim. You are required to give 7 days’ notice.

 

a) When the Premium has been paid in full

Provided no claim has been made and there is no likelihood that a claim might arise we will cancel the policy on request. We will keep an amount of premium in proportion to the time you have been on cover and refund the rest to you less a charge £25 or 50% of the premium (whichever is greater) up to a maximum of £50, as an administration fee. The policy will be considered void from the date that the 7-day notice period ends.

 

b) When the Premium is partially paid (ie some instalments are still due)

Provided no claim has been made and there is no likelihood that a claim might arise we will cancel the policy on request. We will calculate the refund due as if the full premium had been paid (see a. above). We will then reduce the amount refundable by the amount of unpaid premium. If this results in a negative amount you will be asked to pay the difference if you wish to preserve some cover for the period up to the cancellation date. If you refuse to pay the outstanding premium, we will calculate the duration of cover for which you have paid and cover will cease from that date.

  • Cancellation outside the Cooling Off period – by failure to pay the agreed premium

If you fail to pay an instalment on the agreed date, we will commence the failed payment cancellation process outlined below.

 

  1. We will attempt to contact you immediately to ask for payment.
  2. We will send one further email and then attempt to call you
  3. We will send a letter by Recorded Delivery and a letter by first class post. We charge a £3.50 fee for this which is added to the unpaid instalment.
  4. We will cancel your policy using the cancellation terms outlined in point 2b. The end validity date will be calculated once all fees and charges have been taken into account. No refund will be given if we are unable to contact you after defaulting on instalments or if sufficient payment has not been made to cover your obligations.

 

 

Making a claim after a policy is cancelled
If you make a claim, provided the claim is made for an incident that occurred whilst the policy is valid, then the full premium, cancellation fees, other fees and excess will need to be paid before the claim is considered.
If you make a claim for an incident that occurred for a period now cancelled, then it will not be paid as cover was removed when the cancellation occurred.

 

Instalments

If we allow you to pay for a Policy by instalments, you are agreeing to pay the Premium in full. We are effectively lending you the money to pay for the policy. If you fail to pay an instalment at the agreed time, then the remaining premium becomes due in full – unless you contact us and we agree otherwise.

 

If you are paying by instalments and your policy is cancelled, you may be asked to pay more if you wish to maintain cover up to the date on which you are cancelling. If you fail to pay, or you default on a payment the cancellation date may be moved back, based on a pro-rata calculation, to a point where the administration fee is recoverable.

 

 

How do I claim?

 

Please see our claims page for full details on making a claim.

 

If I am unhappy what steps do I take to complain?

We are dedicated to providing you with a high quality service and we want to ensure that we maintain this at all times. If you feel that we have not offered you a first class service and wish to complain you can do so by following our complaints procedure. For further details on how to make a complaint please visit the complaints page here

 

 

Am I covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we are unable to meet our obligations under this contract. A claim under this contract of non compulsory insurance is covered for 90% of the claim without any upper limit. Further information about the scheme is available from the Financial Services Compensation Scheme at the below address or on their website: www.fscs.org.uk

Customer Reviews

 

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