Cover against sporting
accidents and injury

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

A fracture means a breach in the continuity of the bone caused by an accident which is identified by an x-ray or in the case of a fracture which is unable to be x-rayed, by confirmation from a doctor. *Excluding fingers and toes.

The plan does not cover professional sports people. A professional is defined as any person who has a contract of employment or contract of services and where their full-time occupation is undertaking the sport/activity.

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.

If you need to make a claim simply call the Claims Team, Sentry Solutions, on 020 8667 2467 or complete the claim form. Then, 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. Also, please ensure you make your claim within 6 months from the date of your accident or injury.

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. Moreover, 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).

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. Nevertheless, 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. Moreover, 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.

The Sports Accident Plan is an annual policy, and is renewable every 12 months. Therefore, 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
  • do not pay your premiums when due
  • die or cease to be a UK resident
  • reach 61 years of age at the commencement date of the period of insurance
• If the policy is cancelled by you or the insurer
• In order to be eligible to renew your policy you must meet the criteria as set out in “Can I apply for this plan?”