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British Triathlon insurance zone

Insurance for members

If you have any questions regarding the different levels of membership, please visit the FAQ section below.

If you are unsure what level of membership you hold, or would like to discuss your membership, please speak to a member of the British Triathlon team on either membership@britishtriathlon.org or 01509 837 137.

Please note: Definition of training

British Triathlon members are covered by our public liability policy when they are training in the UK towards a Triathlon goal. This is defined as swim, bike or run training activity where any one (or more) of the following conditions are met:

  1. The training activity is taking place as part of the governed provision of a British Triathlon affiliated club.
  2. The training activity is logged through a specific activity tracker (including but not limited to Strava, Fitbit, Garmin, Polar, Apple Fitness, My Fitness Pal, Myzone)
  3. An event entry for a British Triathlon permitted event is in place and the training activity is logged through a specific activity tracker (including but not limited to Strava, Fitbit, Garmin, Polar, Apple Fitness, My Fitness Pal, Myzone).

It is your responsibility to check what membership level you have purchased from British Triathlon and the level of insurance cover this provides. 

Please select the drop down options for details of the cover provided for each category of membership.

As an Essential member you receive Public Liability insurance up to a £15,000,000 limit of indemnity. This covers you for swimming, cycling, and running activities when training towards a triathlon goal. 

  • Training in the UK.
  • Training in/with a club in the UK.

PLEASE NOTE THIS MEMBERSHIP DOES NOT COVER YOU FOR RACING.

As a Core member you receive Public Liability insurance up to a limit of £15,000,000 for swim, bike and run activities when training towards a triathlon goal or racing in a permitted triathlon. You also receive a select number of Personal Accident benefits.

  • Training in the UK1.
  • Training in/with a club in the UK1.
  • Unlimited racing within the UK at a British Triathlon permitted event.
  • A range of Personal Accident benefits including death, permanent disablement, broken bones, and dental cover. 

To review the full details of the Personal Accident benefits provided to you please review the Personal Accident Schedule available in the downloads section.

1) Racing abroad at Europe Triathlon/World Triathlon permitted championships events as listed under www.triathlon.org/events. (You will also be covered for 4 consecutive days training abroad prior to racing at these events).

As an Ultimate member you receive the widest level of cover available. This includes Public Liability insurance up to a limit of £15,000,000 to cover you for swim, bike, run activities when training towards a triathlon goal or racing in a triathlon event anywhere in the world. You also receive a wide range of Personal Accident benefits.

  • Training in the UK and worldwide.
  • Training in/with a club in the UK.
  • Training abroad.
  • Unlimited racing within the UK at British Triathlon permitted event.
  • Racing abroad at Europe Triathlon/World Triathlon permitted championship events as listed under www.triathlon.org/events.
  • Racing abroad at additional permitted events such as IRONMAN. For the full list of additional international events check: www.britishtriathlon.org/join/ultimate. 
  • A range of Personal Accident benefits including death, permanent disablement, broken bones, dental cover, weekly benefit, and physiotherapy.

To review the full details of the Personal Accident benefits provided to you please review the Personal Accident Schedule available in the downloads section.

As a Race Pass holder you receive Public Liability insurance up to a £15,000,000 limit of indemnity to cover you whilst you are competing in a recognised triathlon event. (Cover is not provided whilst training towards a Triathlon goal, only whilst participating in the event).

Please view the Race Pass holders Confirmation of Insurance document available in the downloads section. There are also FAQs specifically for Race Pass holders.

PLEASE NOTE THIS DOES NOT COVER YOU FOR TRAINING.

The insurance covers explained and example claims

Provides cover that protects the member if they cause injury to a third party or damage to third party property. If the member is held legally liable compensation will be paid by insurers to the injured party. The member will only pay the excess of £250 if a claim for damage to property is successfully made against you. Includes “Member to Member” cover.

Claims examples:

  1. Member accidentally hits a pedestrian whilst out cycling. Due to the severity of the injuries, £100,000 has been set aside by the insurers as a ‘reserve’ on the claim.
  2. Member accidentally hits oncoming vehicle after avoiding stationary vehicle whilst out cycling. £3,497 paid for damage to vehicle.
  3. Member loses control of their bike and damages another members bike - £6,784 paid for the damaged bike.

 

Basic cover (Core or Ultimate membership):

Provides compensation for insured benefits caused by accidents. Typical benefits can include accidental death, permanent total disablement, broken bones.

Enhanced cover (Ultimate membership only):

Cover will extend to include benefits such as a weekly payment for time off work, physiotherapy costs, optical and dental expenses.

Claims examples:

  1. Core member lost control of their bike and hit a parked vehicle.The member was knocked unconscious, sustained fractured jaw, cuts to the face, and lost teeth. The policy paid out £2,550 to the member for their injuries.
  2. Core member involved in a cycling incident, suffered a brain injury. £75,000 has been set aside by the insurers as a ‘reserve’ on the claim whilst the full impact of the injury is assessed.
  3. Core member sustained a fractured leg following a road traffic accident which was caused by a van on the wrong side of the road. Policy paid out £1,100 to the member.

Useful Downloads

Frequently Asked Questions

Essential members FAQs
FAQs

Core members FAQs

Ultimate members FAQs

Race Pass holders FAQs

How to make a claim

All incidents that could give rise to a claim must be reported at your earliest opportunity.

Find out what you need to do.

Report here

Get in touch

Please do not hesitate to contact us should you have a query regarding the British Triathlon insurance.

Contact us

Useful links