WHAT SPORTS INJURY INSURANCE DOES GBDF HAVE FOR GBDF MEMBERS?
GBDF is presently insured with Sportscover Europe Limited. In the event of a claim, contact GBDF Finance Director, Caroline Moore at
Sports Accident Policy
This insurance provides limited cover (up to £10,000) for some serious bodily injuries but not all. See below. It does not provide coverage for anything other than as stated below. GBDF are presently looking at options for more extensive future cover, but this is our current coverage until further notice.
- Bodily Injury
There is a maximum sum of £10,000 cover to be paid out in the event of some injuries and death. Clearly this is a very limited sum and illustrates the need to proactively consider taking out your own personal sports accident cover if desired.
- £10,000 is paid out in full for permanent disability, total and irrecoverable loss of use of sight in both eyes and/or total and irrecoverable loss of use of both hands or both feet or of 1 hand and 1 foot, and also in the event of death in relation to competitors aged 18 years and over.
- £2000 is paid out in respect of death of a competitor aged less than 18 years.
- £2500 is paid out for total and irrecoverable loss of sight in 1 eye or the loss of use of 1 hand or 1 foot.
- £5000 for combined injuries relating to the loss of use of 1 hand or 1 foot, together with loss of sight in 1 eye.
- Medical Benefits, Loss of Income, Injury Assistance
The policy excludes any payments whatsoever i.e. no cover provided for such things as:
- hospital accommodation, ancillary medical expenses, physiotherapy and chiropractic, dental services et cetera.
- Loss of income as a result of being unable to work.
- Miscellaneous financial losses consequential to your injury
- Your legal fees.
There are the usual exclusions that you would expect to see in any insurance policy, such as, by way of a few examples only, intentional self-injury, competitor deliberately exposing themselves to unusual danger (except in an attempt to save life), being under the influence of alcohol or drugs et cetera. For full list of exclusions, please refer to the Policy Wording document which can be requested from Caroline Moore.
SHOULD YOU INSURE YOURSELF FOR DIVING?
When taking part in sport, injuries can be frustrating. If those injuries mean you cannot work, it can be more serious. You can choose when competing at GBDF events in the UK, to arrange your own personal Sports Accident Insurance. This is not something GBDF do for you. It is at your own cost and this type of cover can include Income Protection, as well as personal injury cover, personal liability, legal fees cover, broken bone and physiotherapy cover etc.
Whether you dive on a regular occasion, or if you just dip in and out at competitions, or are just taking part in a one-off event, taking out comprehensive sports insurance cover is entirely your own choice. Comprehensive cover is not something GBDF offers as part and parcel of your membership fees.
WHAT ABOUT OVERSEAS COMPETITIONS?
Presently GBDF do not host any overseas events. However, of course, GBDF members do compete abroad from time to time. The same advice applies, as above. However, when abroad, clearly there are other considerations, such as the increase liability potentially for medical treatment costs (not covered by the NHS in the UK) and the costs of getting you home if you are injured in such a way that you need specially adapted transportation et cetera. You may wish to give more serious consideration to ensuring that you do have full Travel Insurance in place when you are taking part in overseas events.
GBDF does recommend that in respect of any Travel Insurance for overseas holidays/competitive events, you do have a specific discussion with the broker, or insurer, to make them aware that you will be springboard diving/platform diving and that this is covered as part parcel of your policy.
PLEASE NOTE THAT THE ABOVE INFORMATION DOES NOT CONSTITUTE INSURANCE COVERAGE ADVICE.
If there are any discrepancies arising from the above summary and the policy wording, the policy wording will be the true interpretation in those situations.