Learner Insurance

For those qualifications that involve learners going away from the Approved Assessment Centre in order to complete their demonstration of leadership skills, Sports Leaders UK provides learner insurance as part of the learner registration fee.

• Level 1 Award in Sports Leadership - no learner insurance required.
• Level 1 Award in Dance Leadership - no learner insurance required.
• Level 1 Award in Sports Volunteering - no learner insurance required.
• Level 2 Award in Sports Leadership - no learner insurance required.
• Level 2 Award in Dance Leadership - learner insurance provided for the duration of the course only, but not exceeding 12 months.
• Level 2 Award in Community Sports Leadership - 12 months learner insurance provided from the start date of the course.
• Level 2 Award in Community Sports Volunteering - learner insurance provided for the duration of the course only, but not exceeding 12 months.
• Level 2 Award in Assisting in Basic Expedition Leadership - learner insurance provided for the duration of the course only, but not exceeding 12 months.
• Level 3 Award in Day Walk Leadership - learner insurance provided for the duration of the course only, but not exceeding 12 months.
• Level 3 Certificate in Basic Expedition Leadership - 12 months learner insurance provided from the start date of the course.
• Level 3 Certificate in Higher Sports Leadership - 24 months learner insurance provided from the start date of the course.

On payment of the course registration fee, and on receipt of the Learner Registration Form from the Record of Achievement, learners are automatically covered for both Civil Liability (includes Public Liability Policy No. ST71170694) and Personal Accident Insurance (Policy No. 51UK492540).

An additional years insurance can be purchased should it be required. For further details, please contact Sports Leaders UK.

Perkins Slade is the insurance broker for Sports Leaders UK policies. For further details of these policies, please contact:

Perkins Slade Ltd
3 Broadway
Broad Street
Birmingham
B15 1BQ

Tel:  0121 698 8050
Fax:  0121 625 9000

Civil liability insurance

Civil liability insurance includes legal liability for third party bodily injury or property damage arising out of learners leading activities. It will also cover learners for claims of breach of professional duty consequent to any neglect, error or omission arising out of activities associated with the qualification. The policy is written on a claims made wording and learners must record and report every incident that could give rise to a claim. The Limit is £5,000,000 per occurence (except for Products Liability in the aggregate). However, it will not insure learners for the loss of or damage to their personal property or that in their custody or control. INSURER: Royal & Sun Alliance.

Personal accident insurance

Personal accident insurance covers learners if they have an accident that leads to permanent total disablement, blindness, deafness, or loss of limb. Temporary injuries, such as broken limbs, strains, cuts, and the like are not covered unless they lead to permanent and total disablement. The benefits are £50,000 for a permanent injury and £5,000 for a fatal accident. Age limit: Up to age 70.

Incident notification guidelines

It is important that all incidents that may give rise to a claim are reported to Sports Leaders UK as soon as possible after the event. This will enable Insurers to carry out investigations at an early stage whilst information relating to the claim remains fresh in the mind. This will also ensure that you are complying fully with your policy terms and conditions.

In order to achieve this, Sports Leaders UK would ask that you notify us immediately of any incident that involves:

• A fatal accident.
• An injury involving either referral to/or actual hospital treatment.
• Any allegations of libel/slander.
• Any allegations of professional negligence arising out of tuition, coaching or advice given.
• Any investigation under any child protection legislation.
• Any circumstances involving damage to third party property.

An injury is defined as:

• Any head injury that requires medical treatment (doctor or hospital).
• Any fracture other than to fingers, thumbs or toes.
• Any amputation, dislocation of the shoulder, hip, knee or spine.
• Loss of sight (where temporary or permanent).
• Any injury resulting from electrical shock or burn, leading to unconsciousness or requiring resuscitation or admittance to hospital for more than 24 hours.
• Loss of consciousness caused by asphyxia or by exposure to a harmful substance or biological agent.

Please note the above list is not exhaustive and if you are unsure as to whether an incident should be reported, then please do not hesitate to contact Perkins Slade Claims Department for further advice.

Sports Leaders UK would remind all Approved Assessment Centres that in no circumstances should a learner admit liability or agree to pay for any damage caused, as this may prejudice the position of insurers and could result in the withdrawal of any indemnity.

Finally Approved Assessment Centres should note that this is a Liability Policy where insurers decide if negligence attaches to a learner. Therefore any payments made to any third parties will not be reimbursed.

Claims

In the event of your claim or incident that gives rise to a claim, please contact Perkins Slade Ltd on 0121 698 8050 as soon as possible.

Accident responsibility

Sports Leaders UK does not accept responsbility or liability for any injury or loss sustained by a learner, participant, instructor or any other person during any part of the course.

Insurance against such accident or loss is the responsiblity of the Centre Course Manager who must ensure that he/she and all the participants on the course are fully and adequately covered by Public Products Liability and errors or omissions/professional indemnity insurance.

Advice regarding all aspects of sports insurance can be given by Perkins Slade Ltd.

Risk activities

A Sports Leader must always work under supervision while on the course, and must only lead activities deemed safe by the Tutor/Assessor.

If the Sports Leader is working with a group from another organisation, it will be the responsibility of the Tutor/Assessor to brief the staff member from the external organisation with regard to the competence of the learner and the nature of the activity.

The following examples would be deemed unsuitable:

• Water sports
• Swimming/diving
• Gymnastics
• Trampolining
• Equestrian
• Contact sports
• Mountaineering/rock climbing

However, any risk activity would be deemed safe it the learner holds a relevant and valid National Governing Body award.

For example, a learner would need an appropriate qualification from the British Canoe Union (BCU) to lead a recreational activity involving canoeing.

If you have any doubts about the suitability of an activity in the course, then please contact Sports Leaders UK.