| The
BAB's Insurance Guidelines should be regarded as definitive on all matters
and can be viewed or downloaded from their web site downloads
page
Personal Accident Claim Form View / Download
A very broad outline of benefits is
given in this Paper and is supplied in good faith. For details of conditions
and exclusions reference must be made to the policies.
As with all insurance there is no cover beyond an expiry date.
Feb 05:- The brown registration certificate is now a blue ones. Students should notice no other change. If you wish
to read the BAB advice instruction - download the pdf file...click
here
Oct05:- Clarification re Non
UK Aikidoka added
Jun06:- BAB Issue a FAQ sheet regarding insurance
Nov07:- BAB issues new Personal Accident Claim Form View / Download (added to site Dec07)
BLUE Registration Certificates
Accident insurance is given via the BAB registration certificate, which
is a sticky blue slip and is held by all Aikidoka. Benefits are now only
in respect of permanent disability
It is worth recording that taking part against medical advice is a principal
exclusion. All clubs should have in place a pre-vetting system reviewing
health. Also are excluded pre-existing injuries that are made worse through
the incident.
For juniors (under 16) the £30,000 death benefit is reduced to £4,000.
Injuries do not include sickness, disease, any naturally occurring condition
or degenerative process. More specific definitions appear in the policy
document. Reasonable steps to avoid or minimise injuries must be made
and specifically no benefit is paid if the person is undertaking Aikido
against medical advice.
Disclosure : Registration Certificates
Any one seeking insurance under the BAB’s registration scheme for
accident cover has to declare any material fact that might affect cover.
For registration certificate insurance, Perkins Slade has indicated that
students must declare material facts to the instructor so that the instructor
is aware of any disability. ** This need not be forwarded to Perkins Slade.
Any instructor that is concerned should raise the matter with the BAB
via the Membership Registrar of the Association
** The instructor should ensure special needs as appropriate are considered
in arranging practice.
A doctor’s note indicating the student may participate in Aikido
should be obtained by the student and held by the instructor / Club /
Association where there is doubt or concern.
Perkins Slade Incident Notification Advice form
i.e. Forms can be downloaded or viewed from the BAB
web site where there is also other material regarding Insurance. The
Form should be completed promptly to alert the Insurers.
Students and non BAB Associations
Students joining a non BAB Association or practicing in one will
not be covered by the Membership insurance i.e. the brown registration
certificate.
CLARIFICATION FEB 03
The BAB at a meeting on 22nd February 2003 commenting on the removal of
temporary disablement cover from member to member insurance pointed out
that disablement cover is also restricted to claimants who receive any
sort of income, ie salary, unemployment benefit, statutory sick pay or
any other benefit.
Personal Accident
Sun Alliance PA00021013
Insured : Any Martial Arts Association notified to Insurers and affiliated
to the BAB
Insured Sport : Martial Arts
Operative Time : Activities associated with membership of the Association
Premium ; Annual cover for each individual members collected as part of
registration certificate to the BAB. Declared monthly to insurers accompanied
by a cheque. Individual members have individual renewal dates. Premium
is based on numbers and not named individuals.
Personal Accident - Benefits:
Any Senior Members
Death £30,000
Loss of eye/eyes or limb/limbs £50,000
Permanent Total Disablement £50,000
Temporary Total Disablement - No longer part of
cover withdrawn wef 28th February 2003
Note: Members without gainful employment benefits reduced to £15,000
and apply to employment of any and every kind.
Any Junior Members
Death £2,000
Loss of eye/eyes or limb/limbs £50,000
Permanent Total Disablement £50,000
Temporary Total Disablement - No longer part of
cover withdrawn wef 28th February 2003
Extensions include :- Member to member liability - limit of indemnity
of £2m.
Principal Exclusions :- Taking part against medical advice
Personal accident benefits has a upper age limit of 65
Personal Accident - Limit of Liability
| Who is
covered? |
All members of clubs
and associations affiliated to BAB |
| Are temporary members covered? |
Cover applies to new members for
a period of two weeks. Cover will only continue if membership is taken
out and subscription is paid. |
| What about Aikidoka over 65 |
Personal accident benefit is not
paid but member to member liability is still effective |
| Are guests or participants in demonstrations
covered ? |
No |
| Overseas Students |
Anyone
from overseas who is resident in the UK, either permanently or temporarily
as student etc (i.e. has a UK address) is covered under BAB member-to-member
insurance, as normal, as long as they are resident in the UK for
most of the year of insurance.
Short term visitors, however are not covered. Insurance for overseas
visitors must be purchased in the country of origin, and this varies
considerably.
[Clarified 15/10/05] The Chairman invited J. Phelps to explain to
the meeting why it was not possible to obtain insurance from our
brokers for overseas Instructors or Students. Specifically, they
do not have the resources to deal with the cross-country litigation
that would arise from claims from a foreign national. The Insurance
companies have advised that if an Instructor or Student from overseas
was domiciled in the UK for over 6 months and had a UK address,
then Associations could give them cover, but any Instructor or Student
attending a course for a day or week, should obtain Insurance from
their home country before they travelled.
If a UK member is practicing with a non-UK visitor, the non-UK
visitor is not covered by the BAB insurance. The UK member is covered
for 3rd party and for personal injury. They are not, however, covered
by the BAB for a claim against the non-UK visitor.
Further clarified Mar-06 There has been some confusion recently regarding insuring overseas visitors and the 6-month rule. ....We can insure students from overseas provided they intend to be resident in the UK for at least 6-months and have a UK residence. If you have any queries on this please contact Bryan Bateman. |
| Are traveling
teachers covered? |
Only if they are UK residents
and members of an affiliated Association or club |
| What about liability
for injury to other members? |
The policy includes member
to member liability but does not include injury or damage to non-members
other than temporary members. |
| Is the use of wood weapons
covered |
Only in accordance with
the disciplines and practice of Aikido is covered. |
| Is the practice of Iaido
covered? (the drawing of a sword) |
It is covered on the
proviso it is for practicing moves / methods with no partner / opponent
participation and is blunt metal |
| Practice with Live Weapons |
This is not covered by
any existing policy and Associations who require this cover should
make their own arrangements with an Insurer because of this limitation. |
The BAB Insurance Guidelines should be regarded
as definitive on all matters and can be viewed or downloaded from their
web site downloads
page
(Personal Accident Claim Form View / Download added Dec07)
Details of Instructor's insurance
click here
|
