Not unless you have Personal Accident cover, this is provided as part of the membership for Core & Ultimate members. If you would like to receive Personal Accident cover, you should upgrade your membership. Please note the Public Liability cover you receive is to protect you, should you cause injury to a third party or damage to a third parties property. If you feel a third party was negligent for your injury, you can use the British Triathlon free legal claims service, which is included in your membership: https://www.britishtriathlon.org/get-involved/membership/insurance-centre/legal-claims-service
FAQs for Essential Members
Yes, a £250 excess applies to the Public Liability cover if a member has damaged third party property.
If you are unsure on whether an incident should be notified or not, please contact Marsh Sport and they will advise 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.
No, if you require a race licence you will need to upgrade to Core or Ultimate.
The Public Liability limit provided is £15,000,000 The limit of indemnity is the maximum amount of the insurer's liability for any claim or claims under a policy.
As an Essential member you are only covered to train alone or with a club, within the United Kingdom. If you require cover to train outside of the UK, you must upgrade your membership.
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 BTF 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 essential members cover is only in place for training whilst in the UK.
Essential members do not receive the benefit of the Personal Accident cover. Only Core and Ultimate members receive Personal Accident cover. If you require this cover, you must upgrade your membership.
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.
The Public Liability insurance covers you whilst training in the United Kingdom for Multi-sport events such as duathlons, aquathlons etc.