Sports Accident Plan
In association with OCRDA, BPBA & Water-Ski Racing S.W.
Few activities give the buzz of powerboating– the speed, the rivalry, the fine margins between success and failure. It’s probably why you take part and put your body on the line. You live for it, you crave it.
But with every adrenalin fuelled moment, brings the risk of accidents and injury.
And when disaster strikes, it can end up hitting your finances hard.
Perhaps you won’t be able to work as a result of your injury. This will have to come out of your pocket and when your favourite hobby starts costing you like this, it’s not so much fun.
Our Powerboat Accident Plan is a simple plan that pays you a cash lump sum if you suffer a specified fracture or serious injury while taking part.
You can use the cash benefits to:
Replace your income if you can’t work
Pay your everyday bills
Help you get around
Replace or repair damaged equipment
All the benefits from the Sports Accident Plan
|SCHEDULE OF BENEFITS||SILVER||GOLD|
|OUT OF WORK BENEFIT||£250 per week||£350 per week|
|This is payable for every full week that you’re unable to work following a sports accident. You’ll receive this benefit until you can return to work, up to a maximum of 26 weeks. No benefit is payable for the first 2 weeks of disablement.|
|HOSPITALISATION BENEFIT||£250 per week||£350 per week|
|This is payable for every full week you’re hospitalised following a sports accident. You’ll receive this benefit until you leave hospital, up to a maximum of 104 weeks. No benefit is payable for the first 2 weeks of hospitalisation.|
|COMA BENEFIT||£250 per week||£350 per week|
|This is payable for every full week you’re in a coma following a sports accident. You’ll receive this benefit until you regain consciousness, up to a maximum of 26 weeks.|
|SERIOUS INJURY BENEFIT||£25,000||£35,000|
|This is payable in the event of any of the following, which occur following a sports accident: accidental death, loss of limb, total and irrecoverable loss of sight of one or both eyes, permanent total disablement.|
|SCHEDULE OF BENEFITS|
£250 - Open Fracture
£150 - Closed Fracture
|LOWER LEG, KNEECAP, ANKLE, ARM, WRIST, SKULL|
£200 - Open Fracture
£125 - Closed Fracture
|HAND*, FOOT*, SHOULDER BLADE, BREASTBONE, COLLAR BONE|
£150 - Open Fracture
£100 - Closed Fracture
|These are payable following a sports accident. A closed fracture is defined as a clean break and the ends of the bone do not penetrate the skin. An open fracture is where the bone penetrates the skin.|
*Excluding fingers and toes.
Who is eligible to join?
To take out a Motorboat Accident Plan you must be:
- Between the ages of 17 and 60 inclusive
- Resident in the UK, Isle of Man or Channel
- Employed and working for a minimum of 16
hours per week, or self-employed
What's not included?
These are some of the key exclusions
Where the accident does not result from participation in amateur sports
Fracture benefits during the first 7 days of the plan
All combat sports and winter sports races
Selected extreme sports
Mountaineering and rock climbing
Please refer to the Policy Document for a full list of exclusions.
How do I make a claim?
Call the claims team on 0330 8667 2467.
As with all APRIL UK plans, your clients will receive discounted Bupa Health Assessments when they take out a policy - at no additional cost. They'll get 25% off a range of tailored medical assessments, as well as expert guidance on how to improve their health.
The plan in action
John is an experienced powerboat racer and competes every month. Because of the risks associated with the sport and the fact that he has two dependent children, John decides to take out the Gold level of cover at a cost of £50 a month.
The following month, John is racing in a regional race meeting when he is thrown out of his boat. He fractures his leg and puts a dent in his hull.
John is taken to hospital where he stays for four weeks. Because of the seriousness of the fracture and amount of treatment he needs, he needs five weeks off work.
As he’s covered, John receives a total of £2,000 from his Sports Accident Plan. This is calculated as follows:
• Fracture to upper leg = £250
• Two weeks in hospital = £700 (benefits not payable for first 2 weeks)
• Five weeks out of work = £1,050 (benefits not payable for first 2 weeks)
John uses his payout to cover household bills and living expenses while he’s unable to work. Plus, he has money left over which he uses towards boat repairs getting it ready to race with again.
› Between the ages of 17 and 60 inclusive
› Resident in the UK, Isle of Man or Channel Islands
› Employed and working for a minimum of 16 hours per week, or self-employed