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.

Yes, the Liability policy will defend claims made against you for negligence. Please note any claims relating to deliberate or criminal acts are excluded.

Not under this Liability policy.
You can arrange to insure your club boats and equipment by calling Marsh Sport on 0345 872 5060.
For your own individual equipment please call Marsh Commercial on 020 4579 2080 (Option: New Business) to discuss your requirements.

If your query relates to the insurance policy please contact Marsh Sport on 0345 872 5060.  If you have a membership query, including those related to approved activities, please contact British Rowing on membership@britishrowing.org

If the individuals are not qualified then the Coach Insurance via British Rowing direct membership won't be available and you would need to speak to your club insurers to see if their cover would include non-qualified / incidental coaching.  British Rowing do have a coaching pathway, https://www.britishrowing.org/knowledge/the-coaching-stream/, your club / unqualified coaches may wish to consider this.

Yes cover is provided for competing and training on a worldwide basis. However in respect of the USA & Canada BR only allow cover for 1 weeks training prior to an event in these territories. 

You are only eligible to become a BR member if you spend more than 183 days residing in the UK annually. The Liability Insurers who provide the Public Liability cover can only indemnify UK residents.

The BR honorary safety advisor and their RowSafe guidance states;

'The key point to note is that red boards are intended as advice to river users.  This is made clear on the Environment Agency website here.  It is not the same as a river closure or a navigation restriction.  It is up to the club to take the red boards into account when determining whether, or not, it is safe to continue to do what it plans to do'. 

As the red and yellow boards are usually cautionary or warning notices relating to stream conditions and should be taken into consideration when risk assessing the use of a particular waterway and the experience / competency of the rowers, then liability cover would be in place for those clubs that chose to continue to row in these conditions. However, if there are any notices which specifically state do not enter the water that would be a different matter and insurance cover may well be compromised.

Always make sure you check with your water authority and if in doubt with your regional rowing council.