Our scheme

We’ve teamed up with Ageas Insurance Limited to provide what we believe to be the best karate club insurance policy in the UK, specially designed to provide clubs with insurance tailored to their specific needs and size of club. Ageas is one of the largest insurers in the UK with more than 100 years of experience.

Public & Products Liability

The following extensions are automatically included:

  • Indemnity to Principals
  • Indemnity to Directors, Partners and Employees
  • Cross Liabilities
  • Legal defence costs for liability incurred under:
    • Corporate Manslaughter and Corporate Homicide Act 2007
    • Health and Safety at Work Act 1974
    • Food Safety Act 1990
    • Consumer Protection Act 1987
    • Data Protection Act 1988
  • Defective Premises Act 1972
  • Leased, Hired or Rented Premises
  • Motor Contingent Liability
  • Wrongful Arrest
  • Overseas Personal Liability
  • Temporary Work Overseas
  • Court Attendance
  • Member to Member Liability (Clubs and Associations only)
  • Tournament Cover
  • Car Park Liability (Clubs and Associations only)
  • Cloakroom Liability (Clubs and Associations only)

Professional Indemnity

The following extensions are automatically included:

  • Legal Costs and Expenses
  • Unintentional Defamation
  • Infringement of Confidentiality
  • Data Protection Act 1998

Employer's Liability

The following extensions are automatically included:

  • Indemnity to Principal
  • Indemnity to Directors, Partners and Employees
  • Cross Liabilities
  • Legal defence costs for liability incurred under:
    • Corporate Manslaughter & Corporate Homicide Act 2007
    • Health and Safety at Work Act 1974
  • Unsatisfied Court Judgements.
  • Injury to a working Partner or Proprietor
  • Temporary Work Overseas
  • Court Attendance

Directors and Officers Liability

The following extensions are automatically included

  • Company Reimbursement
  • Advancement of costs and expenses

Optional Covers

Business Contents, Sports Equipment and Stock

All Risks & Transit

Business Contents, Sports Equipment and Stock

Personal Accident

(whilst undertaking activities described in the Schedule)
Available for proprietor, partners, employees, members and Instructors

Benefits

  • Temporary Total Disablement
  • Loss of Limbs, Sight, Hearing or Speech
  • Fractures
  • Permanent Total Disablement
  • Death

 The following extensions are automatically included:

  • Medical expenses
  • Emergency Dental Treatment
  • Hospitalisation Benefit
  • Disappearance
  • Temporary Work Overseas
  • Personal Representatives

Money

  • Money in transit
  • Money within the main building at the premises and secured in a locked safe or locked strong room
  • Money within the main building at the premises but not in a locked safe or locked strong room
  • Money within the private residence of you, any director, partner or authorised employee

The following extension is automatically included:

  • Malicious Attack
    • Death or permanent disablement
    • Temporary total disablement

General Exclusions

Some of these exclusions do not apply to the whole policy – please refer to the policy wording for further details

  • Excesses applicable to the section or sub-section
  • Asbestos
  • Radioactive Contamination
  • War
  • Northern Ireland (other than as otherwise provided in the policy wording)
  • Terrorism (other than as provided under the Liability Section)
  • Electronic Risks
  • Pollution (other than as otherwise provided in the policy wording
  • Injury, loss or damage occurring outside the Territorial Limits applicable to each cover section (unless otherwise stated).

 

Our package liability cover automatically includes the following as standard:

  • Claims made by one of your members against another member
  • Claims made against you for bodily injury or damage to third party property
  • Claims against your directors, partners or trustees while acting in a personal capacity outside of the United Kingdom
  • Claims against you for liability arising from your breach of the 1998 Data protection Act
  • Employer's Liability
  • Automatic cover for two tournaments per year
  • Professional Indemnity
  • Directors and Officers Liability (Also applies to committee members)
  • Commercial Legal Expenses Insurance
  • Abuse cover
  • Instructors are automatically covered whilst carrying out club or association activities

There are more optional extensions of cover to help protect your club and/or association including:

  • Individual instructor liability & Personal Accident cover
  • Property Insurance
  • Personal Accident
  • Internet & Email
  • Contents, stock and equipment

 

Get a quote now
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Call us now on 0121 553 4791

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Useful Links to Karate Organisations

Wado Aiwakai Karate-Do Federation English Karate Federation World Karate Federation British Karate Federation European Karate Association Wadokai England
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