FAQs for Members

A comprehensive list of frequently asked questions are listed below.  

If you have a query not covered by the list below please contactHowden by email or call 0121 698 8142.

 


What is Combined Liability insurance?

Combined Liability Insurance provides for legal liability following negligence, nuisance or trespass. Unlike other liability insurances, it not only covers Public Liability, but also includes cover for the following, which are excluded from other providers standard covers:

  • Public & Products Liability - accidental bodily injury to third parties and / or damage to third party property arising out of declared NISA activities or goods sold or supplied. This cover includes  including
  • Member-to-Member liability - the policy will protect one insured member if another member is injured and claims against them
  • Defamation – in regards to libel & slander
  • Directors’ & Officers’ Liability - Protection for club committee members in respect of their personal liability for claims resulting from mismanagement
  • Legal Defence Costs - defence of criminal proceedings brought or in appeal against a conviction arising from such proceedings relating to an offence alleged to have been committed in the course of the business in respect of a breach of Health and Safety at Work Act or Part II of the Consumer Protection Act.

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Is damage to my own equipment covered?

Not under the liability insurance, as you can't claim for damage to your own property.

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Why do I need Libel and Slander cover?

There have been cases of members of sports clubs having disputes. Posts on websites and contained in emails could be potentially libellous, for example, and this section of cover may protect you if it is alleged that you have defamed someone else.

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Does the policy cover non UK residents?

Insurance cover is only available to coaches who have a permanent UK address. Such members are covered for their liabilities in terms of recognised activities in both the UK and overseas, provided that any overseas trip is officially recognised/authorised by NISA.

Any member permanently living abroad is not covered.

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What significant exclusions or limitations apply?

  • Deliberate, dishonest or foreseeable acts
  • Abuse - the person accused of abuse / alleged to be the abuser
  • Claims arising from loss that happened prior to the retroactive date stated in the schedule, which would be the date that your continuous membership first commenced
  • Incidents / claims known to you but not reported to the insurers immediately
  • Risks that require more specific insurance, i.e. motor, marine
  • Injury to any person employed (including volunteers)
  • Loss of, or damage to, property in your custody or control
  • Fines, penalties or punitive damages
  • Medical negligence

Please refer to the policy wording for a full list of the exclusions.

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Does NISA membership insurance replace club insurance?

No, the NISA membership insurance protects you individually. Clubs have their own duty of care and need to arrange their own cover to protect their liabilities.

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Does my insurance cover training activities?

Yes, the NISA insurance will cover you for NISA approved training activities, including recognised off-ice training practices.

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Is damage to my own property covered?

Not under the liability insurance, as you can't claim for damage to your own property. You should arrange asset cover for your own equipment, which can be done via this link.

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Does my insurance cover damage to another an individual, or their property, in an incident caused by me?

Yes, the combined liability cover is designed to cover injuries to other people, or damage to their property, caused by your negligence.

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If I am injured or my equipment is damaged by another person with no insurance will my insurance cover this?

You may be able to claim benefits for your injuries under the personal accident cover, but your own liability insurance will not cover injuries to you or damage to your own property.

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Am I covered for club events that take place away from the club?

Yes, you are covered to take part in all club activities.

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Do I have liability/personal accident cover when I'm taking part in non NISA or club organised events?

You only have cover for events organised by or approved by NISA or your club.

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Do juniors and adults have the same cover? Are there extra conditions for insurance for juniors?

There are no extra conditions for the insurance cover provided for juniors or adults, both are protected in the same way. Personal accident insurance is not provided for members aged 80+.

Cover is restricted for over-70's, reducing the benefit for broken bones by 50%.

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If I have an incident when in breach of a club rule, is my insurance cover still valid?

This would depend on which rule has been breached and the circumstances of the particular incident.

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My club hasn't paid their affiliation fees. Does this affect my insurance cover?

No, your cover as an individual would remain valid, although this may invalidate any insurance that the club has arranged.

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I'm going on a club competition overseas. Does my insurance cover my skating activities and travel to and from the venue?

Your NISA insurance will cover you while you are participating in NISA related activities, provided your club is affiliated to NISA. However, you will need to take out travel insurance to cover potential third party claims, emergency medical expenses, loss of personal property etc. For a travel insurance quotation click here.

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Does my NISA membership negate the need for travel insurance?

Your NISA insurance will cover you while you are participating in NISA related activities, provided your club is affiliated to NISA. However, you will need to take out travel insurance to cover potential third party claims, emergency medical expenses, loss of personal property etc. For a travel insurance quotation click here.

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Does my NISA insurance cover in Europe differ from the rest of the world?

No

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I have current NISA membership and am going on a gap year to Australia. Will my insurance cover still be valid?

No. If you are out of the UK for more than 6 months, or if you are temporary resident in another country, the policy will no longer apply and you will need to arrange cover in the country where you are resident.

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If I am injured in a skating accident what should I do?

If you are injured, and you feel that it is someone else's fault, you should seek advice on how to pursue a claim against the person(s) responsible for causing the injury. However, you may be eligible to claim for your injuries under the NISA Personal Accident policy. You should also make sure that you complete and incident report form for NISA.

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Who can submit an incident report?

If you are involved in an incident where you have injured someone else or caused damage to property, you should advise us as soon as possible.

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I had an accident 6 months ago but did not submit an incident report and would like to make a claim. What action should I take?

To claim under the personal accident insurance, you should download a claim form and submit it to us with the necessary accompanying documentation.
The combined liability policy is in force to protect you from claims made against you by others. If you have an accident where you injure someone else or damage property, you should complete an incident report as soon as possible. If you have now received a letter of claim from the injured party, please submit that to Howden immediately, without replying.

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