FA Licensed Coaches Insurance Scheme Evidence of Cover:

Transcription

1 FA Licensed Coaches Insurance Scheme Evidence of Cover: Insured: Address: Policy Numbers: Period of Insurance: Annual Premium: Entitled to Indemnity: Sports/Activities: Insurer ( Company ): Members of the FA Licensed Coaches Club for their respective rights and interests as declared to the Insurer c/o The National Football Centre Ltd, St Georges Park, Newborough Road, Needwood, Burton upon Trent, Staffordshire, DE13 9PD PLON99/ /30 1 st August 2015 to 31 st July 2016, both days inclusive (see Important Note below) per coach (including Insurance Premium 6% and an administration fee of 2.00) Individual Licensed Coaches who are members of the FA Licensed Coaches Club Insurance Scheme and have paid the appropriate premium. Coaching and training sessions for players of all ages eligible to play football under the control of an FA Licensed Coach. The training and tutoring of coaches and teachers as part of the programme of coach education provided by FA Learning Limited. Sportscover Syndicate 3334 at Lloyd s This document is issued as evidence that cover is operative on the following basis under master policy number PLON99/ /30 for Licensed Coaches subscribing to the FA Licensed Coaches Club Insurance Scheme. For full terms and policy conditions, please refer to the master policy wording which is available on the FALCC website, or on request from Bluefin Sport. Important Notes: Although you can join the scheme at any time, cover will not start until 1 st August 2014 (or later if you apply after 1 st August 2014). All policies whenever bought will expire on 31 st July of each given year and can be renewed annually. This Evidence of Cover document is only valid when provided with a current FA Licensed Coaches Club membership card or confirmation from the FALCC that the all membership fees have been paid. PUBLIC LIABILITY PUBLIC LIABILITY Limit of Indemnity 10,000,000 any one occurrence in respect of claims arising on or thereafter 1 st August ,000,000 in the aggregate for claims arising from an incident between 1 st August 2009 and 1 st August Both for the Sports/Activities listed above Excess Nil Retroactive Start Date: 1 st August 2009, or from the date the Insured is first accepted for insurance under the General Liability Section of the FA Licensed Coaches Club Insurance Scheme, and has been continuously insured, whichever is later. ABUSE EXTENSION Limit of Liability Excess 250,000 in the aggregate Nil Retroactive Date 1 st August 2009, or from the date the Insured is first accepted for insurance under the General Liability Section of the FA Licensed Coaches Club Insurance Scheme, and has been continuously insured, whichever is later. This Extension is on a claims made basis. It only covers claims made against the Insured and notified to the Company during the period of insurance. Operative Clause Subject to the terms, conditions, definitions and exclusions of this Policy (other than as amended by this Extension), the Company hereby agrees to indemnify the Insured up to the Limit of Liability stated in this Extension against all sums which you become legally liable to pay by way of compensation (excluding punitive, exemplary, aggravated and/or multiple damages) as a result of a Claim or Claims arising from incidents that are subsequent to the Retroactive Date and first made against the Insured and notified in writing to the Company during the Period of Insurance stated in the schedule arising out of Abuse or attempt thereat committed or alleged to have been committed.

2 Abuse (Cont.) The Company will pay all costs, fees and expenses incurred with the prior written consent of the Company by the Insured in the defence or settlement of a Claim or Claims made against the Insured but not exceeding in total the Limit of Liability noted in this Extension. The total aggregate liability during any one Period of Insurance for all liability including compensation, costs, fees and expenses shall not exceed the Limit of Liability noted in this Extension Definition of Abuse ABUSE means circumstances where: a. The Insured had a responsibility (either explicit or implied) for the welfare and well-being (physical, mental, and/or spiritual) of the victim and the original Insured was in breach of this duty to protect those in its care either through negligence or vicariously for the acts and/or omissions of its employees, members, volunteers, etc. b. Abuse may be physical, sexual or psychological in nature Abuse includes: i. behaviour which sexualises the victim and uses the victim for sexual gratification. ii. the sexual interaction between two minors if there is a perceived difference in power between the victim and the abuser. iii the imposition of an excessively harsh regime through which there is a systematic assault or maltreatment of the victim over a period of time, this would not include a single incidence of physical assault. iv. the deliberate pre-meditated maltreatment by an individual in a position of responsibility. Abuse does not include: i. schoolyard and workplace bullying ii. treatment / nursing malpractice or any error or omission in the provision of nursing or care treatment Exclusions The Company shall not be liable: 1. for any liability in respect of which the Insured is entitled to indemnity under any other insurance. 2. for any liability arising from Abuse or attempt thereat which occurred or is alleged to have occurred prior to the Retroactive Date specified in this extension. 3. for any liability arising from any facts and/or circumstances, of which the Insured had become aware prior to the commencement of the Period of Insurance, which a reasonable person in the Insured s position would have considered as facts and/or circumstances which may give rise to a Claims or Claims under this Policy. 4. to indemnify however so arising any perpetrator or alleged perpetrator of any Abuse or attempt thereat. 5. for any fines or penalties or the costs of defending and criminal proceedings. 6. for any liability arising out of any failure to comply with procedural guidelines established by the Insured concerning Abuse. 7. to indemnify any person who has or has been alleged to have: a. authorised or permitted Abuse b. disregarded knowledge of Abuse c. had actual or constructive knowledge of Abuse and failed to notify a person with specific responsibility for the protection of children or vulnerable adults from Abuse d. aided or contributed to or supported Abuse or e. intentionally or wilfully failed to comply with any procedure, regulation or licence designed to protect children or vulnerable adults from Abuse Conditions 1. The Insured shall, as a condition precedent to indemnity under this Extension, ensure full compliance with all statutory legislation and requirements for dealing with minors. 2. The Insured shall bear the Excess (inclusive of costs and expenses) of any one Claim. For the purpose of determining the Excess applicable to any indemnity provided under this Extension, it is expressly agreed that all acts of Abuse or attempt(s) thereat suffered by any individual claimant shall be deemed to be arising out of one originating cause. If there is more than one claimant, all acts of Abuse or attempt(s) thereat suffered by each individual claimant shall be deemed to be arising out of separate original causes. 3. The Insured must give notice in writing to the Company as soon as is reasonably practicable after becoming aware of any fact that may give rise to a Claim or Claims. PROFESSIONAL INDEMNITY PROFESSIONAL INDEMNITY Limit of Indemnity Retroactive Date 5,000,000 any one occurrence and in the aggregate. 1 st August 2009, or from the date the Insured is first accepted for insurance under the Public Liability Section of the FA Licensed Coaches Club Insurance Scheme, and has been continuously insured, whichever is later.

3 PERSONAL ACCIDENT Underwritten By Applicable to POLICY BENEFITS Sportscover Syndicate 3334 at Lloyd s Insured Person A & B Injury sustained by an Insured Person during the Operative Time which within twelve Calendar months results in: BENEFITS Category A Category B 1. Death: 50,000 50, Permanent Total Disablement: 50,000 Not Insured 3. Loss of one or more Limbs: 50,000 25, Loss of sight in one or both eyes: 50,000 25,000 5a. Loss of hearing in both ears: 50,000 25,000 5b. Loss of hearing in one ear: 25,000 12, Loss of speech 50,000 25, Emergency Dental Expenses - a 50 excess applies 1, Hospitalisation Benefit 25 per day up to 30 days 25 per day up to 30 days LIMITS Aggregate Limits Maximum Limits per Insured Person Any One Event for Insured Persons: 500,000 Item 1 to 6: 50,000 Any One Event for Insured Persons whilst travelling in any aerial device 250,000 DEFINITIONS 2.2 Operative Time means whilst an Insured Person is participating in any football coaching or other activity authorised by The FA anywhere in the world or travelling directly from home to the venue of any such activity within the United Kingdom and return therefrom 2.10 Insured Person means: A. Any Member of The FA Licensed Coaches Club Insurance Scheme aged 16 years or over but under 70 years who are resident in the United Kingdom B. Any Member of The FA Licensed Coaches Club Insurance Scheme aged 70 years or over but under 80 years who are resident in the United Kingdom 2.20 Emergency Dental Expenses means expenses arising from damage to teeth, gingival tissues or alveoli resulting in mobility, luxation, subluxation or fractures of the hard tissues or injury to the soft tissues, or loss of or damage to dental prostheses whilst inside the mouth, for which treatment is required within 7 days.

4 Liability & Personal Accident Claims Notification Guidelines Legal Liability: Incident Notification: All incidents that may give rise to a claim must be reported to Bluefin Sport as soon as possible after the event. This will assist Insurers in carrying out investigations at an early stage as those involved in or as a witness to the incident are more likely to recall the events leading up to the incident. This will also ensure that you are complying fully with the terms and conditions of the policy. Please advise Bluefin Sport immediately of any incident that involves the following: A fatal incident; an injury involving referral for hospital treatment; any allegations of libel and slander; any allegations of Professional Negligence (i.e. arising out of tuition, coaching or advice given); any investigation under any child protection legislation; any circumstance involving damage to third party property. Claims Notification: In the event that a claim is made against you, these claims are generally notified to you as follows: 1. Verbally or in writing by a third party if you have damaged their property; 2. In writing from the Legal Representatives/Solicitors of a third party if they believe you have been negligent and caused bodily injury or death to a third party for. These types of incidents can be covered under this policy and it is imperative that you: IMMEDIATELY forward by , any letter you receive from a Solicitor, to your broker Bluefin Sport. Following recent changes to civil litigation, known as the Jackson Reforms 2013 a claimant solicitor must receive a confirmation of who the Insurer is within ONE day of your receipt of their letter. Further information can be found at Do not make any payment to the third party or their representatives; Do not offer or promise payment; Do not respond to or acknowledge any third party correspondence - if you do respond, you should simply say that you have received the correspondence and have passed this to your insurance broker (Bluefin Sport) Do not admit liability in any way, as by doing so you may prejudice your position and forfeit the benefits afforded to you in the terms of your policy; In order that Insurers can deal with the defence of the claim effectively, any request from them requesting documentation must be complied with. In such circumstances, you should contact Bluefin Sport immediately to obtain a Legal Liability Claim Form and return this to Bluefin Sport immediately together with any correspondence received from the third party or their legal representatives. Personal Accident: Claims: If you suffer an accidental injury, you will need to contact Bluefin Sport for a claim form. In order for the claim to be dealt with promptly, please ensure that: You have fully completed every question before your doctor completes his statement; You have enclosed all requested information /documentation; You have signed the claim form; Your attending doctor fully completes the statement

5 Complaints procedure It is always our intention to provide a first class standard of service. However, if you have any cause for complaint, please contact us :- In writing: Bluefin Sport, 6 St Stephens Avenue, Bristol, BS1 1YL or Complaints Officer, Bluefin Insurance Services Limited, Central House, Beckwith Knowle, Otley Road, Harrogate, HG3 1UF Telephone: insurance.complaints@bluefingroup.co.uk Should the matter not be resolved to the Insured s satisfaction please write to the Chief Executive Officer of: Sportscover Europe Ltd, First Floor 75 / 77 Cornhill London EC3V 3QQ If the complaint is not dealt with to the Insured s satisfaction the matter at anytime may be referred to: Policyholder & Market Assistance, Lloyd s, One Lime Street, London EC3M 7HA. Complaints that cannot be resolved by the Complaints Department may be referred to the Financial Ombudsman Service. Further details will be provided at the appropriate stage of the complaints process. Who regulates us? Bluefin Sport is a trading name of Bluefin Insurance Services Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: 5 Old Broad Street, London, EC2N 1AD. Registered in England No: The policy is underwritten by Sportscover Europe Limited on behalf of Lloyds syndicate Sportscover Europe Limited is authorised and regulated by the Financial Conduct Authority. Registered office: First Floor, 75 / 77 Cornhill, London, EC3V 3QQ. Registered in England and Wales No You can check this on the Financial Services Register by visiting or by contacting the FCA on How to contact us T: E: facoaches@bluefingroup.co.uk P: Bluefin Sport, 6 St Stephens Avenue, Bristol, BS1 1YL