Swim Ulster Insurance Zone

Who is covered?

This cover applies only to activities authorised or recognised by Swim Ulster Ltd
The policy covers: Swim Ulster Ltd, including affiliated clubs, and members.

What insurance do you get as part of your membership?

As part of your affiliation to Swim Ulster Ltd you automatically receive the benefit of the Combined Liability insurance.

To understand what these covers are, and to see the main terms and conditions that apply, please make sure you refer to the policy summary and policy wording, which can be found in the downloads section below.

The policies are renewable annually on 14 April.

Policy limits are as follows:

Public Liability - cover for your legal liability of up to £10,000,000.
Professional Indemnity - cover for the club's or instructors’ legal liability of up to £10,000,000.
Employers Liability – cover for clubs in respect of claims for injuries made by employees or volunteers, up to £10,000,000.
Directors and Officers – cover for club committee members of up to £10,000,000.

Please note that member clubs, bodies, and all members of the member clubs and bodies, including honorary members, also receive the personal accident benefit. Further details can be found below.

The covers explained

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.

Please note member clubs, bodies and all members of the member clubs and bodies, including honorary members, also receive the personal accident benefit.

Insured persons:

Category A – Any member of the insured between the ages of 16 and 80 year’s inclusive resident within the British Isles.

Category B – Any member of the Insured between the ages of 5 and 15 year’s inclusive resident within the British Isles.

Category C -

Operative Time:

Whilst an insured person is:

Participating or officiating for the insured in connection with the business.
Taking part in training organised by the insured.
Travelling directly between residence (normal or temporary) and events as part of an organised party under the direction of the insured.
On internal journey organised by the Ulster branch and not members of affiliated clubs or bodies.


Accidental bodily injury resulting in:	Category A	Category B	Category C
Accidental bodily injury resulting in:	Category A	Category B	Category C
Death	£30,000	£20,000	£30,000
Loss of Sight in one or both eyes	£30,000	£30,000	£30,000
Loss of Hearing in one ear	£7,500	£7,500	£7,500
Loss of Hearing in both ears	£30,000	£30,000	£30,000
Loss of one or more Limbs	£30,000	£30,000	£30,000
Loss of Speech	£30,000	£30,000	£30,000
Permanent Total Disablement*	£30,000	£30,000	£30,000
Temporary Total Disablement	£40 per week	Not insured	Not insured
Broken Bones - Arm (Humerus, Radius and Ulna) or Wrist (Carpals)	£250	£250	£250
Broken Bones - Leg (Femur, Tibia, Fibula), Ankle (Tarsals) or Kneecap (Patella)	£500	£500	£500
Broken Bones - Skull (excluding jaw and nose), Collarbone (clavicle), Shoulder Blade (Scapula)	£500	£500	£500
Coma Benefit - up to a maximum of 730 days	£50 per day	£50 per day	£50 per day
Dental Expenses	Up to £750	Up to £750	Up to £750
Hospitalisation - up to £750	£50 per day	£50 per day	£50 per day
Medical Expenses	Up to £30,000	Up to £30,000	Up to £30,000
Physiotherapy	Up to £500	Up to £500	Up to £500
Rehabilitation Expenses	Up to £10,000	Up to £10,000	Up to £10,000
Relocation Expenses	Up to £25,000	Up to £25,000	Up to £25,000

Swim Ulster insurance zone

Who is covered?

What insurance do you get as part of your membership?

The covers explained

Useful downloads

Swim Ulster insurance zone

Introduction

Who is covered?

What insurance do you get as part of your membership?

The covers explained

Public and Products liability

Professional indemnity

Employers liability

Directors and Officers

Personal Accident

Useful downloads

Reporting an incident