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.

Plan highlights

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.

Covers all amateur motorboating and other sports
Covers you worldwide
Covers you from being unable to work, hospitalisation, serious injury and fractures
Up to £35,000 cash lump sum payable
 
No underwriting medicals required
Takes minutes to apply over the phone
 

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

 
 

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All the benefits from the Sports Accident Plan

SCHEDULE OF BENEFITSSILVERGOLD
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
UPPER LEG

£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
    Islands
  • 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

  • Professional sports

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.

 

Complimentary benefit

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.

 

Popular links

For all product literature, please go to our Literature Library.

FAQ

Can I use my benefit to repair my boat/buy new equipment?
Yes, you are free to use your benefits as you see fit.
Can I apply for this plan?
You must be:
› 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
What do you mean by a closed or open fracture?
A ‘closed’ fracture is where the break is clean and the ends of the bone do not penetrate the skin. If the skin is punctured, the fracture is defined as an ‘open’ fracture.
Who underwrites the plan?
The plan is provided by Pulse Insurance Limited and underwritten by Travelers Syndicate Management Limited.
Are professional sports people covered?
The plan does not cover professional sports people. A professional is defined as any person who derives more than £5,000 income per calendar year from their participation in a sport or activity. Benefits received such as free or reduced cost accommodation, entry fees or clothing are not considered to be income. Any person who has a contract of employment (paid or unpaid), a sports scholarship or where their full-time occupation is undertaking the sport / activity will be considered as a professional.
What sports are included and excluded?
The plan covers the vast majority of sports including football, rugby, motor racing, equestrian sports and winter sports (excluding organised races). However the following sports and activities are excluded: combat sports, winter sports races, mountaineering and rock climbing, cresta run luge, ice swimming, shooting, ultra running (48hrs plus in duration), arm wrestling, Australian rules, base jumping, big walling, bull running, canoeing/kayaking/rafting (above grade 5), deep water soloing, downhill skating, fly boarding, free climbing/running, gravity biking, jet lev, kite skiing/snowboarding, microlight flying, paragliding (without instructor), parkour, sand dune buggying, Segway polo, speed flying and TA training.
How long do I have to make my claim?
In the event of an Accident which causes or may cause a claim under this insurance, you must, as soon as practicable, and up to a maximum of 6 months from the date of such event, notify the Claims Handler, Sentry Solutions.
Refund of premium
This insurance has a cooling off period of 14 days from either: the date you receive this insurance documentation; or the start of the period of insurance whichever is the later.
How to make a claim?
If you need to make a claim simply call the Claims Team, Sentry Solutions, on 020 8667 2467 or complete the claim form. They will provide you with a claims form to complete and return. As part of their assessment they may request medical information from your GP or treating consultant to confirm the injuries you have suffered. Please ensure you make your claim within 6 months from the date of your accident or injury.
How do we deal with pre-existing conditions?
This plan will not cover claims arising out of or attributable to any physical defect, infirmity or medical condition known to you at the inception date of this insurance. This exclusion shall not apply if the condition has been without the necessity of medical consultation or treatment for 24 consecutive months prior to the commencement date of this insurance. Any medical conditions that are excluded at commencement date of this insurance can become covered once you complete 24 consecutive months without the necessity of medical consultation or treatment.
What isn't covered?
The Sports Accident Plan is an annual policy, and so is renewable every 12 months. If you choose to renew the plan every year, the plan will end on the earliest of the following: › If you are paid the maximum aggregate benefit on this insurance policy › If the policy is cancelled by you or the insurer › If you do not pay your premiums when due › If you die or cease to be a UK resident › If you reach 61 years of age at the commencement date of the period of insurance › In order to be eligible to renew your policy you must meet the criteria as set out in “Can I apply for this plan?”
Are there any cancelation fees?
If for any reason you’re not satisfied with your plan, you may cancel it within 14 days from its start date for a full refund, provided that you’ve not made a claim. If you cancel outside the cooling off period, provided you have not made a claim, you will be entitled to a pro rata refund of any premium paid, less a 15% cancellation fee (subject to a minimum of £25).