British Triathlon insurance zone

You get one Race Pass that you can redeem within a Starter membership. 

For any additional races you are not covered unless you purchase additional Race Passes or upgrade to a Core or Ultimate membership for an annual race licence. 

Please note that a Race Pass provides Public Liability whilst participating in race within the United Kingdom. It does not include any personal accident benefits, unless you upgrade your membership. 

You can find out more about the benefits you receive with Core and Ultimate memberships here.

The Public Liability insurance only covers you whilst training in the United Kingdom for triathlon, aquathlon, aquabike or duathlon. 

As a Starter member you get one Race Pass you can redeem within this package, giving you public liability cover for one race. For any additional races you are not covered unless you purchase further Race Passes. Alternatively you can upgrade to a Core or Ultimate membership which gives you an annual race licence and public liability for those races. 

Please note that a Race Pass provides Public Liability whilst participating in British Triathlon permitted event within the United Kingdom. It does not include any personal accident benefits, unless you upgrade your membership. You can find out more about the benefits you receive with Core and Ultimate memberships here.

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.

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 Starter member you are only covered to train in the UK. If you require cover to train outside the UK, you must upgrade to a Ultimate membership.

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/

You are covered under the 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. Please note that for Starter members cover is only in place for training whilst in the United Kingdom.

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).

Starter members do not receive Personal Accident insurance. Only Core and Ultimate members receive Personal Accident cover. If you require this cover, you must upgrade your membership. Find out more here.

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.

You are insured to train as long as it falls within the disciplines of a triathlon - swimming, cycling and running - even if you have no plans to take part in triathlon.

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).

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 and we cannot guarantee the safety of the events. 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.