What am I insured for?
Sometime things go wrong and regrettably there is a need for paddlers to have insurance should an accident occur. That is why one of the benefits we offer our members is insurance cover, so that you can have complete piece of mind when paddling or coaching.
Now here is the technical bit...
Third party insurance cover is a benefit of comprehensive Canoe Wales and BCU membership. The insurance applies to;
- Individual comprehensive Canoe Wales members who are residents in the UK
-
Affiliated clubs
- Registered members of affiliated clubs, who are resident in the UK
The limit of indemnity for any one accident is to a maximum
of £10,000,000 for a claim arising from loss, injury to, the death of
or damage to the property of a third party. It also covers legal liability.
The insurance is valid for any canoeing / kayaking or related activity worldwide.
Member to member liability is included. Coaches acting in an instructional capacity are covered, including paid coaching work up to a value of £25,000 in any one year (gross turnover). Please note that this is only the case if you are trading under your own name, as should a claim be taken to Perkins Slade for any other trading name, you will not be covered. A trading name may not necessarily be a registered company name, it may just be a brand name, logo or website that you use to promote your services as a coach, but if that uses a name other than your own and the claim comes through using that name, you will not be covered.
We advise that if you are working for someone else, you should ensure that they not only have the adequate 3rd party liability, but also have Employer's Liability in place.
If you are unsure whether you are covered for the coaching that you do, please contact Perkins Slade directly.
Who do I contact in the event of an incident?
In the event of an incident which may give rise to a liability claim, please contact us using the incident notification form. We advise you to then report the incident to the Perkins Slade Claims Department.
Adventure Activity Licensing
If you or your company take under 18s for canoeing or kayaking activities and money has been exchanged; it is likely that you require an AALA license. For more information, please see the
related government website.