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Ripe Insurance


Insure4Sport FAQs

I am a semi/professional sports person can I get cover?
  • Sadly, not at this time, we can only cover amateurs.
I live outside of the UK can I purchase a policy from you?
  • No, we can only cover UK residents.
I sometimes coach or play overseas, can I include this?
  • Yes, you can add Worldwide cover so you’re protected abroad and unlike some other insurers our Worldwide cover includes USA and Canada.
What does the insurance scope and sports risk group mean?
  • All sports are grouped dependent on risk A-E (A being the lowest, E being the highest). Lower risk sports and activities include; Personal Training, Netball and Dance, and higher risk sports and activities include; American football, skiing and skateboarding. You can see a full list of sports covered by each risk group by viewing the Insurance Scope.
Do I have to take out an annual policy?
  • Yes, we only offer annual policies.
If I injure someone during a training session am I insured?
  • If your sport is a non-contact sport (tackles, throws and mauls are not permitted within the rules) you are covered as standard under your Public Liability cover. If your sport is a contact sport you will need to select the Participant to Participant Liability extension. In all cases you would need to be deemed the person liable for their injury.
If I cause damage to property, e.g. I hit the cricket ball through a car window, will I be insured?
  • Yes, the Public Liability element of your Insure4Sport policy would cover you. And there is no excess!
What is Public Liability and Professional Indemnity?
  • Public Liability insurance provides cover for claims made against you in respect of your legal liability to pay for third party bodily injury and/or damage to premises you are using. Professional Indemnity will provide cover for claims made against you arising from your legal liability for errors or mistakes in the advice or services you may provide or offer.
How much Public Liability insurance do I need to take out?
  • It depends where you need it for, some venues will insist on an ‘at least’ value.
Does the Professional Indemnity insurance cover online advice?
  • No, our indemnity insurance would cover face to face advice only. We cannot cover online tuition or fitness videos.
What does the Personal Accident insurance cover?
  • There are three different tiers you can choose from with differing levels of cover. Cover available includes death and disablement benefit, loss of limbs and sight, physio, hospitalisation, compensation for broken bones and emergency dental.
I would like to insure more than one person on the policy, is this possible?
  • 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 e.g. park?
  • 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.
Is there an age restriction on this policy?
  • We insure persons of any age however for our Personal Accident cover, the death benefit is reduced to the following limits if you are under 18:

    Level 1 - £2,000

    Level 2 - £5,000

    Level 3 - £10,000

Is there any age restriction placed on the people I work with?
  • No, as long as you have the relevant qualification we can insure you.
Does the insurance allow me to work with pre and post-natal women?
  • Yes, subject to the activity not being against medical advice.
What is the participant ratio?
  • The coach to participant ratio varies depending on the sport you teach. Please check the Insurance Scope to see what the ratio is for your sport.
I teach sport to less able bodied people do I need to declare this with you?
  • No, you do not need to declare this when taking out a policy.
Can I give nutritional advice?
  • Only advice given as part of your Personal Trainer qualification.
Is sports equipment replaced on a new for old basis?
  • Yes, for items purchased which are less than a year old, subject to satisfactory proof of ownership. Items older than one year will be replaced on the indemnity value of that equipment at the time of loss or damage.
Do you offer credit facilities?
  • Yes, you can pay monthly on annual policies over £50 at no additional cost. Unlike some of our competitors, there is no additional cost for monthly payments. 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, call us on 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.
I would like to upgrade the insurance mid-term; can this be done?
  • Yes, you can do this by calling our call centre on .
What 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 0800 112 4084.
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.
Who are Ripe?
  • We are one of the UK’s leading specialists in niche insurance products. Over 200,000 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 about how we do things differently here.

Questions specific to your cover type

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

Personal trainer
  • Will I be covered if I train clients online?
    • Your Public Liability insurance will only cover you during a face to face session or an online video session such as skype and the insured limit will be the amount you select. If following these sessions you provided training schedules for them to follow before your next session and an injury resulted because of this advice, this would also be covered under your Professional Indemnity but it is limited to £1m.

      We will not provide cover if all your training sessions are done completely online where you never interact or see your clients i.e. not through a skype video.
    I teach various classes and one of the classes is not listed on the sports you cover page?
    • First of all, check our sports we don’t cover page, as unfortunately there are certain sports and activities we can’t insure. If you can’t find the class on the list, just email us at and we’ll be able to advise you. Alternatively, please call us on .
    I am newly qualified, will this affect my premium?
    • No, as long as you hold a qualification recognised by the UK National Governing Body for the Sport coached or instructed as selected on your application.
    I’m not a full time Personal Trainer/ Coach, I just do it in my spare time, do I still need insurance?
    • It is an unfortunate fact of life that accidents happen. And in some cases the injured party may wish to pursue a claim for compensation. If you’re at fault, you could be liable to pay costly legal fees and damages. In fact, you may find that some organisations (schools and colleges particularly) insist that you have relevant qualifications, security checks and insurance cover before being allowed to train.
    I don’t hold the recognised qualification, is there any way I can benefit from insurance cover?
    • Any person requiring insurance must be qualified to a minimum standard by a recognised body or have 3 years’ experience of coaching which can be evidenced.
    I teach/coach multiple sports will you still cover me?
    • Absolutely, we group our sports dependent on risk level, A – E (A being the lowest, E being the highest), and you will be insured to play, coach or instruct all sports within that risk group and the lower risk groups. Coaches and instructors must have the necessary qualifications recognised by the UK National Sport Governing Body, or otherwise agreed and recorded by us.

      For example, a Football Coach policy falls into risk group B, so in addition to football, you can coach all sports within risk group B and risk group A.

      If as a Football Coach you also teach Lacrosse which is a risk group C sport you would need to select Lacrosse as your sport and this would allow you to coach all sports within categories A, B and C.
    What classes are covered under your Personal Trainer policy?
    • We have worked hard to ensure that the most popular participation sports and classes in the UK are covered under our scheme such as aerobics, boxercise, spinning and zumba, alongside some that you may not be so familiar with like buggy fit, friskis and svettis. Click here to view the full list.
    Do you cover sports massage?
    • We can provide cover for sports massage on the basis it is as part of a personal training. For example, if a client pulls a muscle during a training session. However, if a client is coming to you just for sports massage this won’t be covered.
Coaches Individual Team

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