British Triathlon insurance zone

Please contact Marsh Sport if you are unsure on whether an incident should be notified or not, they will advise you accordingly.

There are no age restrictions applicable to the Public Liability insurance. However triathlon activity must be in accordance with the guidelines set by British Triathlon.

Personal Accident cover is available to members who are between 5 and 90 years of age.

The Public Liability limit provided is £15,000,000. This is the maximum amount of the insurer's liability for any claim or claims under a policy during the policy period.

As a Core member, you are permitted to train within the United Kingdom. The Public Liability insurance will also cover you for 4 days training abroad prior to racing at an approved Europe Triathlon/World Triathlon event.

Training definition:

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).

If you have any queries regarding your EHIC please visit the following link https://www.nhs.uk/using-the-nhs/healthcare-abroad/apply-for-a-free-uk-global-health-insurance-card-ghic/

Yes, you are covered under the public liability insurance to train with sports clubs of which you are not a member, as long as you are training in the sports of a triathlon, swimming, cycling and running.

Training definition:

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). 

Please review the Personal Accident Schedule available in the downloads section to understand the benefits you receive.

The Public Liability policy does not cover commuting unless you are training towards a genuine triathlon goal, and are able to evidence the ride formed part of your training plan, such as a defined training log, and the route, the bike you were using, the clothing you were wearing and the event you had entered into for which you are training, Insurers would then consider each claim on its own merits. Alternatively this may be covered under your household insurance or if you have separate bike insurance this may be extended to cover commuting.

There is a statues of limitations for an injured party has to bring a claim for injury against you. Usually 3 years or if they are a child up to 3 years from their 18th birthday. This however can be reviewed by the courts dependent on the circumstances. It is imperative however that you notify any circumstance which may give rise to a claim as soon as you are aware of it.

As a Core  member, you are covered for unlimited racing within the UK at British Triathlon permitted events (https://www.britishtriathlon.org/events). You are also covered to race abroad at Europe Triathlon/World Triathlon permitted championships and events, details of which can be found here.

You would need to Upgrade to the Ultimate Membership and view the permitted events listed that are covered or purchase your own insurance.  It is the member's responsibility to check if the insurance cover provided by British Triathlon is accepted in each country as this can vary at the discretion of the event organiser and/or federation.

The insurance policies do not cover United Kingdom Nationals that permanently reside overseas, the Insurers are not licensed to be able to do so.

A United Kingdom resident can temporarily reside overseas for up a maximum of 180 days and still be insured via the British Triathlon Liability policy, however if an individual is permanently residing outside of the United Kingdom they must seek insurance cover in their country of residence.

To be classed as United Kingdom resident you would need to be registered as a resident and paying Tax in the United Kingdom. 

Yes, the Liability policy is in place if a claim is made against you.

No, as you are a not a UK Resident the British Triathlon cover does not provide insurance protection, we recommend you purchase Public Liability cover in your country of residence.

British Triathlon recognises that participation in single discipline competitions can complement training for triathlon or multisport. However these events are conducted in competitive environments that are not permitted by British Triathlon we cannot guarantee the safety of the events and therefore British Triathlon membership insurance cover does not extend to cover participation in single discipline competitions or events such as sportives. Members should seek to get insurance from the relevant governing body putting on the event under the day license scheme they operate.

No, your insurance via membership does not provide any cover for loss of or damage to your own Sports Equipment used whilst participating in training for or during a triathlon.