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Terms Of Business


“We”, “us” or “our” means SportsCover Direct Limited of Belmont House, High Street, Lane End, Bucks, HP14 3ER, Tel. 01494 484800, email
“You” and “your” means the individual person who is a policyholder or potential policyholder.


1. About Us

We are a specialist provider of sports accident insurance and also travel insurance for active people. Our policies are 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 (For policies purchased prior to 29/09/2016, please see you policy wording). We are acting for the Underwriters pursuant to the terms of a Binding Authority and whilst we are an intermediary acting on your behalf, advice is only based upon our knowledge of our own policies. We do not offer the policies, products or services of any other insurers. We are responsible for issuing your policy and advising on policy coverage and suitability for your needs. We are also able to assist with policy amendments, upgrades or queries throughout your policy period. On request, we will provide you with our full policy terms and conditions and sales brochures.


2. Consumer Protection

We are authorised and regulated by the Financial Conduct Authority (FCA) who are the organisation set up by the Government under the Financial Services Act 2012 to regulate firms that undertake financial services in the UK. Our firm reference number is 309959.


3. Confidentiality

All information about you will be treated as private and will not be shared with other parties without your express agreement except for that which we may have to disclose to FCA as a condition of our membership. Under the Data Protection Act 1998, you have the right to see personal information about you that we hold in our records. We will not make your details available to other parties for marketing purposes but we may contact you ourselves to keep you informed of our latest products and services for insurance and travel. We use Industry standard encryption technologies when transferring and receiving customer data exchanged with our WEB site.


4. Customer Obligations

It is your responsibility to provide complete and accurate information to us when you take out your insurance policy and throughout the life of your policy and when you renew your insurance. It is important that you ensure that all statements you make on application forms, claims forms, Internet forms or verbally over the telephone are full and accurate. If you fail to disclose any material information to your insurers or if any information provided is incomplete or inaccurate, this could invalidate your insurance cover and mean that part or all of a claim may not be paid and your premium or excess(es) may be revised.


5. Purchases made on behalf of a third party

If you are purchasing a policy on behalf of another person or a group or team, it is your responsibility to ensure that the Customer Obligations (set out in previous paragraph) are met for each of the persons for whom cover is being purchased. It is also your obligation to ensure that each person on whose behalf insurance has been purchased is aware of the full details of the cover. We are unable to accept responsibility for loss should a claim be rejected due to the non-disclosure of a third party insured.


6. Medical Warranty

All persons purchasing insurance from us must comply with the health declaration. If you are unable to comply or need guidance with specific problems, either call us during office hours or email If you cannot agree with this declaration you must contact us at the time of taking out this insurance and we will tell you if we can cover you. Existing medical conditions will not be covered unless declared and the insurer accepts the condition in writing. If there is a change in your medical condition or the medical condition of anyone whom a trip depends on and you can no longer comply with this declaration, you must contact us.


7. Residency Warranty

You and anyone on whose behalf you purchase our insurance must be a resident of the United Kingdom, the Republic of Ireland or at a valid BFPO address, from where journeys must start and end. Any variation from this must be agreed in writing before travel.


8. Payment

Premiums for Insurance are payable and due at the time of booking. You may make payment by cheque or credit card (all major credit/debit cards except Amex are accepted). Please note that insurance purchase will not be concluded until payment has been received unless otherwise agreed.


9. 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.


10. Your right to cancel

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.


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.


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.


We will attempt to contact you immediately to ask for payment.

We will send one further email and then attempt to call you

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.


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.


11. Policy Documents

Policy information will be issued in a timely manner. This will normally be within 3 days of the contract of insurance being concluded. Your policy documentation will confirm the basis of cover, give details of the insurer, be accompanied by a policy summary and include a Demands and Needs statement and Keyfacts illustration. We reserve the right to hold back schedules and certificates until all payments due have been made. We retain documents for 6 years in accordance with our retentions of documents policy.


12. Checking your policy documents

When you receive your documents, please ensure that you read your insurance policy carefully. In particular you should check the start and end dates, the health declaration and that the sports group covers your chosen activity. For travel insurance (excluding top-up cover) your insurance period must include the day on which you leave your home or office to the date you return to your home or office. Failure to comply with the terms and conditions of the policy may result in cover being restricted or possibly invalid. Please contact us if you have any questions with regard to your policy. You are advised that the full terms and conditions of our policies should be consulted prior to your completing your policy purchase and if you have any questions you should make sure these are answered to your satisfaction. If you have not received a copy of the full policy terms and conditions before you book your insurance you will be provided a copy with your insurance schedule.


13. Policy 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. Where more than one excess applies (ie claims made under multiple sections) we will apply only the highest excess.


14. Policy renewal

Annual policyholders will be provided with the renewal terms no less than 21 days before expiry of the policy, or notified that the renewal is not being invited.


15. Claims

Your insurance policy includes a claims procedure, which tells you what steps you should take if you wish to make a claim. You must notify us of a claim or circumstance which may give rise to a claim as soon as possible. You will be provided with every assistance in submitting a claim and seeking reimbursement.


16. Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS if we or the Insurers cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Full details and further information on the scheme are available from the FSCS.


17. Complaints Procedure

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


18. Law and Jurisdiction

These terms of business shall be governed by and construed in accordance with English law. In relation to any legal action or proceedings arising out of or in connection with these terms of business we both irrevocably submit to the non-exclusive jurisdiction of the English courts.


19. Remuneration

Our remuneration may be a fee, or as brokerage, which is a percentage of the insurance premium paid by you and allowed by the insurer with whom the insurance is placed. Brokerage and fees are earned for the policy period and we will be entitled to retain all fees and brokerage in respect of the full policy period in relation to policies placed with us. In the event of a mid-term adjustment we will be entitled to a percentage of the premium payable by you. In addition to the client fees and/or brokerage payments we may receive remuneration by way of administration fees or profit commissions, which are contingent on underwriting profitability, from underwriters. At your request, we shall endeavour to calculate and advise you of the contingent commission we may receive in respect of your business.

Why Sportscover Direct?

  • The UK’s largest online specialist sports insurance provider
  • Competent, fast and easy to access
  • Huge number and range of products
  • Deep and up-to-date knowledge of the industry
  • Professional customer service


or speak to one of our advisors

01494 857137

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Mon-Fri 9am-5:30pm

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