British Rowing insurance zone

All British Rowing members holding a valid membership which includes a RACE licence will receive £10m Public Liability cover and Personal Accident insurance under the British Rowing insurance policy for the following activities:

• Racing in any British Rowing Affiliated competition taking place in England, Wales, Scotland, Northern Ireland, Channel Isles, Isle of Man, Gibraltar.
• Racing at World Rowing events outside of the UK/British Territorial Islands.
• Racing at events sanctioned by National Federations of Rowing in their respective country.
• Undertaking British Rowing approved rowing training activity, including overseas training camps, in a British Rowing Affiliated Club setting based in the UK or worldwide excluding USA and Canada, including:
  • Rowing inland and on coastal waters (up to 5km offshore).
  • Sliding and fixed seat rowing.
  • Coastal sculling – up to 5km offshore.
  • Beach Sprints.
  • Indoor rowing.
  • Strength & conditioning sessions led or instructed by a qualified or British Rowing affiliated club endorsed coach.
• Recreational rowing in a registered recreational rowing event.
• Touring in a registered non-competitive rowing event.

All British Rowing members holding a valid ROW membership will receive £10m Public Liability insurance and Personal Accident insurance under the British Rowing insurance policy for the following activities:

• Undertaking British Rowing approved rowing training activity, including overseas training camps, in a British Rowing Affiliated Club setting based in the UK or worldwide excluding USA and Canada, including:
  • Rowing inland and on coastal waters (up to 5km offshore)
  • Sliding and fixed seat rowing
  • Coastal sculling – up to 5km offshore
  • Beach Sprints
  • Indoor rowing
  • Strength & conditioning sessions led or instructed by a qualified or British Rowing affiliated club endorsed coach
• Recreational rowing in a registered recreational rowing event.
• Touring in a registered non-competitive rowing event.

Public liability insurance provides protection against legal liability for bodily injury to third parties and damage to third party property.

Products liability insurance provides protection against legal liability to pay compensation including legal costs for death or bodily injury, or damage to third party property arising from products supplied.

Personal Accident cover provides a set financial payment in the event of an accidental injury, such as death, permanent disability, physiotherapy, dental expenses, etc.

The main benefits provided are as follows:

• Death up to £10,000.
• Permanent Total Disablement* up to £50,000.
• Medical expenses up to £10,000.
• Physiotherapy up to £500.
• Dental expenses & Optical up to £1,000.
• Hospitalisation Up to £50 per day up to £750.
• Primary dislocation up to £250.

^{*The basis of cover for permanent total disablement is any and every occupation}

Broken bones covered:

• Arm (Humerus, Radius & Ulna) or Wrist (Carpals) - £250.
• Leg (Femur, Tibia, Fibula), Ankle (Tarsals) or Kneecap (Patella) - £350.
• Skull (excluding jaw and nose), Collar bone (Clavicle), Shoulder Blade (Scapula) - £250.
• Up to a maximum amount of £1,000 any accident for any one Insured Person.

Other benefits include: coma, childcare expenses, pregnancy, maternity & paternity benefits. Please refer to the Personal Accident Schedule and wording in the downloads section for the full list of benefits.

In addition to the standard Personal Accident cover all members and coaches also receive access to IPRS Health.

If an accident occurs during the Period of Insurance and within the Operative Time which results in a recommendation by Aviva’s nominated rehabilitation agents IPRS, for a qualified medical practitioner for counselling to assist with the wellbeing of the individual concerned, Aviva will organise up to a maximum of 15 counselling sessions in any one claim, if organised by their qualified and nominated rehabilitation agents IPRS.