Obstacle Mud Runner - issue 11

ForEliteAtheletes to FunRunners 9 RACE : INSURANCE 01732 452404 2 What if I have an accident while training and not actually at a race? The various covers referred to above can usually be extended to include training as well as event/ race participation (if they don’t automatically). There may be limitations to the type of training (e.g. recognised team training as opposed to individual ad-hoc) however, so to make sure you understand the specifics of any policy you are considering. 3 Can I add my family onto the same cover? Yes, our bespoke OCR travel insurance policy is designed for individuals, families or teams. Policies for the other covers we have mentioned may also be able to be extended for family members. 4 Does this policy cover the UK and overseas? Our travel insurance policy can be arranged to cover three geographical areas: Europe, Worldwide excluding USA and Canada or Worldwide including USA and Canada. Most travel insurance policies do not provide cover for travel to specific countries when the UK Foreign and Commonwealth Office advise against travelling there without prior agreement, so always ask your insurance advisor if you are unsure (https://www.gov.uk/foreign-travel-advice ). The travel insurance policy will cover trips within the UK as long as there is at least 2 nights stay in pre-booked accommodation. The other types of cover referred to can usually be arranged to operate on Worldwide basis also but as always, check the specifics of your policy. 5 Does it cover me for all treatment and any loss of earnings? In respect of our Travel insurance policy, I would be reluctant to say it covers ALL treatments, but the insurer will pay up to a maximum of £10,000,000 in respect of medical treatment necessary, incurred as a direct result of accidental bodily injury. Loss of earnings is not something provided by a travel insurance policy but as referred to above, separate cover can be arranged for loss of earnings/protecting your income which can be extended to respond to injuries occurring overseas that impact your usual earnings within the UK. 6 Can I claim for any rehabilitation costs such as physio or sports rehab sessions? In respect of travel insurance, rehabilitative type treatment is not usually covered as the policy is designed for emergency medical treatment required whilst overseas. Additionally, UK residents benefit from NHS treatment when back in the UK. This is also the case for our OCR travel policy. Private medical insurance policies are a possible way to expedite rehab type treatment. Personal accident insurance policies can sometimes be extended to provide cover in respect of physio and rehab but these are not usually automatic inclusions so individual policies would need to be checked and understood. 7 Even if it’s not a life-threatening condition, will I be able to get treatment straight away? Immediate treatment (or non-NHS wait list treatment) for non-life-threatening conditions is what is usually provided by Private Medical Insurance as opposed to any of the insurances referred to in this article and available via Towergate. 8 Do I need to pay upfront and claim it back? The answer to this question again varies on which type of cover we are talking about. Any claim under our Travel insurance policy should be advised to the travel insurer’s assistance company as soon as practicable for initial authorisation and guidance. On occasion and when costs are high, the insurers may be able to make arrangements with the relevant parties to make payments on your behalf and avoid the need for the insured to pay up-front. In other scenarios and for other types of claim (e.g. loss of personal baggage) it is more likely that you would replace the lost items and submit receipts and other supporting documents to the insurer who will then reimburse you. 9 Who are Towergate and why should I choose you? Towergate Insurance Brokers are one of the UK’s leading independent insurance brokers and risk management advisors but maybe more importantly, we are OCR insurance specialists! Our OCR specialism sits within a team of sports insurance experts and is fronted by me! I believe that combining my own sports insurance expertise with my love of OCR and Towergate’s status, puts us in a unique position. Our key goals are to offer independent advice and education to the OCR industry as to the risks faced and what insurance products are available as well as identifying opportunities of developing new OCR specific products and services where appropriate. Personal accident insurance policies can sometimes be extended to provide cover in respect of physio and rehab but these are not usually automatic inclusions If you are still unsure, have any questions or would like a quotation, please do contact – [email protected]