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Insure4Sport FAQs

Have a look at the FAQ’s section on the pages dedicated to our cover types:

Personal trainer/fitness instructors
  • What do I need cover for?
    • Public Liability

      Public Liability will cover if you someone was to claim against you if they were injured through your negligence whilst training them or you were to damage third party property whilst training. This will cover things like compensation, court fees and solicitor fees.

      Personal Accident

      You need personal accident cover in case you sustain a serious injury while practising your sport. You can choose the level of cover you want, here’s what our personal accident cover compensates you for depending on the level of cover you choose:

      The cost of physiotherapy up to £500.

      The cost of emergency dental treatment up to £250

      Lump sum up to £50,000 if you suffer accidental death while practising your sport.

      Lump sum up to £50,000 if you become permanently disabled following an accident while practising your sport.

      Lump sum up to £50,000 for loss of limbs or loss of sight following an accident while practising your sport.

      Equipment cover

      You need equipment cover in case the equipment you use to train is stolen or damaged. This cover applies whether you’re practising your sport or not.

    What is Public Liability?
    • Public Liability covers you if you were to be sued for causing injury to a third party or damage to third party property through your negligence. It will cover you for your court fees, solicitor’s fees and compensation.

    How much Public Liability do I need to take out?
    • This can be up to you, or a venue that you are using may request a certain amount. If you are using a venue, always check with them if they require a certain amount.

    Are there age restrictions on the policy?
    • There are no age restrictions on the policy for who you can train, on the basis there are no age restrictions on your qualification.

    Can I give nutritional advice?
    • You can give nutritional advice if you did a qualification as part of your personal training qualification. You will only be covered for giving nutritional advice as part of a personal training session and not giving this on its own.

    Do you cover sports massage?
    • Yes, as long as you are qualified. We only cover sports massage and not any other forms of massage.

    Am I covered for online training?
    • Yes, we can cover you to train online if you are a resident of the UK. Any participant must be a resident of the UK or Europe. If you have a participant outside of the UK or Europe please call us. You can get more information on our online training page.

    I don’t have a qualification. Can I still be covered?
    • As standard you normally need to have a qualification that is recognised by a UK governing body, or have at least 3 years’ experience in coaching the sport you wish to teach which must be evidenced, this can be with payslips, tax returns etc. If you do not meet this criteria, please contact us explaining your experience and we will see what we can do. Some sports do have specific qualifications which you must have to be insured, to see these sports please read the Endorsements section of our Insurance Booklet.
    I also teach other sports, can you cover me?
    • All sports are grouped dependent on risk A-E (A being the lowest, E being the highest). You can see a full list of sports covered by each risk group by viewing the Insurance Scope. When you insure yourself, you will automatically then be covered for any sport in the same risk group, or lower, that you are qualified to teach.

    Where can I train?
    • You can train anywhere in the UK that you have permission. If you have selected Worldwide cover, this will extend to anywhere in the world, although any claims must be brought against you in a UK court.

    Am I also covered to play sports, not just instruct?
    • Yes, you will automatically be covered to play sports that are in your insured category.

Coaches
  • What do I need cover for?
    • Public Liability

      Public Liability will cover if you someone was to claim against you if they were injured through your negligence whilst training them. This will cover things like compensation, court fees and solicitor fees.

      Personal Accident

      You need personal accident cover in case you sustain a serious injury while practising your sport. You can choose the level of cover you want, here’s what our personal accident cover compensates you for depending on the level of cover you choose:

      The cost of physiotherapy up to £500.

      The cost of emergency dental treatment up to £250

      Lump sum up to £50,000 if you suffer accidental death while practising your sport.

      Lump sum up to £50,000 if you become permanently disabled following an accident while practising your sport.

      Lump sum up to £50,000 for loss of limbs or loss of sight following an accident while practising your sport.

      Equipment cover

      You need equipment cover in case the equipment you use to train is stolen or damaged. This cover applies whether you’re practising your sport or not.

    What is Public Liability?
    • Public Liability covers you if you were to be sued for causing injury to a third party or damage to third party property through your negligence. It will cover you for your court fees, solicitor’s fees, and compensation.
    How much Public Liability do I need to take out?
    • This can be up to you, but if you are using someone else’s venue, always check with them first as they can often request you have a minimum level of cover
    Are there age restrictions on the policy?
    • There are no age restrictions on the policy for who you can train, on the basis there are no age restrictions on your qualification.
    Can I give nutritional advice?
    • You can only give nutritional advice if you are a personal trainer and giving this advice as part of a personal training session.
    Do you cover sports massage?
    • Yes, provided you are qualified. We only cover sports massage and not any other forms of massage.
    Am I covered for online training?
    • Yes, we can cover you to train online if you are a resident of the UK and are insured for Category A sports. If you are insured for Martial Arts, this must be non-contact only. Any participant must be a resident of the UK or Europe. If you have a participant outside of the UK or Europe, please call us. You can find more information on our online training page.
    Where am I covered to teach?
    • You are covered to teach in the UK as standard. You can also choose to add Worldwide Cover to your insurance policy to extend your cover outside of the UK.
    I don’t have a qualification. Can I still be covered?
    • As standard you normally need to have a qualification that is recognised by a UK governing body, or have at least 3 years’ experience in coaching the sport you wish to teach which must be evidenced, this can be with payslips, tax returns etc. If you do not meet this criteria, please contact us explaining your experience and we will see what we can do. Some sports do have specific qualifications which you must have to be insured, to see these sports please read the Endorsements section of our Insurance Booklet.
    I also teach other sports, can you cover me?
    • All sports are grouped dependent on risk A-E (A being the lowest, E being the highest). You can see a full list of sports covered by each risk group by viewing the Insurance Scope. When you insure yourself, you will automatically then be covered for any sport in the same risk group, or lower, that you are qualified to teach.
    Where can I train?
    • You can train anywhere in the UK that you have permission. If you have selected Worldwide cover, this will extend to anywhere in the world, although any claims must be brought against you in a UK court.
    Am I also covered to play sports, not just coach?
    • Yes, you will automatically be covered to play sports that are in your insured category. You can see a full list of sports you are covered for by viewing the insurance scope.
Teams Participants General FAQs
  • I live outside the UK can I purchase a policy from you?
    • No, we can only cover UK residents.
    Do I need to list all the sports I will be playing/coaching?
    • All sports are grouped dependent on risk A-E (A being the lowest, E being the highest). You can see a full list of sports covered by each risk group by viewing the Insurance Scope. When you insure yourself, you will automatically be covered for any sport in the same risk group, or lower, that you are qualified to teach.
    Can I insure more than one person on the policy?
    • Yes, Insure4Sport specialist sports insurance policies are designed to offer you a more personalised insurance service. You can add an unlimited number of instructors, coaches or teams to your policy.
    Can I instruct at home or in a public area?
    • Yes, if your home has passed the relevant health and safety checks and is suitable for the exercises you are teaching. If you want to take classes in your garden, providing you have enough space and you have completed a risk assessment each time this would be acceptable.

      To instruct in an outside area e.g. a park, you are required to carry out a risk assessment each time e.g. checking the ground is in a suitable condition and ensuring there are no obstacles/items in the way. You may be required to have a licence to instruct in certain parks, so always check who owns the space and whether you need a licence.

      We are unable to cover pole dancing or pole fit if the sessions take place in a private residence.

    Do you offer credit facilities?
    • Yes, you can pay monthly on annual policies over £50. Our monthly payments are arranged through our partner Premium Credit Limited. You will be required to pay a 20% deposit and the remainder will be split over 9 equal monthly instalments.
    What if my circumstances change?
    • You must notify us as soon as possible of any change in circumstance that may affect your insurance. Email us at admin@insure4sport.co.uk, call us on 0800 158 5530 or write to Customer Services Department, Insure4Sport, The Royals, Altrincham Road, Manchester, M22 4BJ. If you fail to notify us of any changes in circumstances that then give rise to a claim, it could invalidate your insurance.
    Whats should I do if I need to make a claim?
    • All the details are in your policy documents, however should you need to make a claim, you can call 0333 400 7541.
    Is there any excess to pay in the event of a claim?
    • An excess is only applicable to Personal Accident claims relating to Hospitalisation, Emergency Dental, Physiotherapy, Loss of Income and Sports Equipment.
    When will I receive my policy documents?
    • Policy documents will be emailed within 24 hours. If you haven’t received them, please check any junk or spam folders as they may sometimes end up there. To make sure you always receive Insure4Sport emails please mark us as a safe sender.
    Do I need a first aid qualification or certificate to take out a policy?
    • No, you can get a policy without one but it wouldn’t hurt to have one if you’re going to be running classes as it could reduce the chances of a claim being made against you should an accident happen.
    Who are Ripe?
    • We are one of the UK’s leading specialists in niche insurance products. Over 220,000 policyholders have already chosen Ripe for their sports, leisure, personal and business insurance. Our fresh approach to insurance is all about making insurance easy-to-buy, simple-to-understand, jargon-free and excellent value. We ensure that our insurance practices not only meet but exceed the standards set by the Financial Conduct Authority, giving our customers a clear understanding of our insurance products and providing a first-class insurance service. Find out how we do things differently here.

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