Policy Summary – Public Liability and Personal Indemnity
This policy summary does not contain the full terms and conditions of the policy. Full terms and conditions can be found in the policy document. It is important that you read the policy wording and Certificate carefully when you receive them. Not all benefits may be applicable to your policy. Please refer to your Certificate for details of specific benefits and level of cover applicable to each insured person Policy Type Name of Insurer Duration of the Contract Public Liability and Personal Indemnity
Sportscover UK Limited
Please refer to your Certificate for the period of insurance applicable.
Cover Public Liability “This indemnifies the Insured for damages and legal costs arsing out of third party bodily injury or third party property damage. Professional Indemnity This indemnifies the insured for breaches of professional duty arising from negligent acts, errors or omissions. This policy covers the risk specific to the sporting activity. Rights of Cancellation You will for a period of 14 days from the date you receive your policy documentation have a right to cancel this policy and receive a refund. This refund will be subject to a charge for the period of cover you have received plus our reasonable administration charges. To exercise your right to cancel you must contact Professional Fitness.
HOW TO MAKE A CLAIM
Claims Contact Details
Immediate written notice must be given to Davies Managed Systems, PA Claims, Suite 30, Brookside Business Park, Cold Meece, Stone ST15 0RZ
Professional Fitness is a trading name of R3 Holdings Limited and are an appointed representative of Harrison Beaumont Insurance Services Limited. Harrison Beaumont Insurance Services Limited are authorised and regulated by the Financial Services Authority for insurance activities 14/02/06
Complaints Procedure
Our aim is at all times to provide a first class standard of service. However there may be occasions when you feel that this objective has not been achieved. Should you have any complaint regarding this Insurance please write to the Director of Harrison Beaumont Insurance Services Ltd, 2 Des Roche Square, Witney, Oxon OX28 4LG. If after taking this action you are still dissatisfied please write, quoting the policy number shown in the Schedule to The Managing Director of Sportscover UK Ltd, 3rd Floor, 141 – 142 Fenchurch Street, London EC3M 6BL In the event that you remain dissatisfied and wish to make a complaint you can refer the matter to The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. All policies issued in the UK for individual customers or small businesses are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if your insurer cannot meet its obligations. (e.g. if it goes out of business or into liquidation or is unable to trade.) Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk telephone number 0207 892 7300) Definitions Sportscover UK Ltd will indemnify the insured against legal costs and expenses incurred in the defence of any criminal proceedings brought for a breach of H&S at work act 1974 or H&S at work (Northern Ireland) Order 1798 committed or alleged to have been committed during the period of insurance. Sportscover UK Ltd will indemnify the insured in the terms of this policy against legal liability incurred by the insured under Section 3 of the Defective Premises Act 1972 or Section 5 of the Defective Premises (Northern Ireland) Order 1975 in respect of injury or damage occurring within a period of seven years from the expiry or cancellation of this policy Sportscover UK Ltd will indemnify the insured against legal costs and expenses incurred within the Company’s written consent in the defence of criminal proceedings brought for a breach of Part II of the Consumer Protection Act 1987 committed or alleged to have been committed during the period. Definitions Sportscover UK Ltd will indemnify the insured against any claim or claims arising in respect of libel, slander, defamation up to but not exceeding the limit of indemnity specified in the Certificate Claims can only be made during the actual policy period unless renewal terms have been agreed in advance
Liability Section Extensions
Compensation
Liability Benefits Health & Safety at Work Act
Defective Premises Act
Extensions
Consumer Protection Act
Extensions
Indemnity Benefits
Indemnity Section
Libel, Slander & Defamation
Extensions
Claims Made
Definitions
Professional Fitness is a trading name of R3 Holdings Limited and are an appointed representative of Harrison Beaumont Insurance Services Limited. Harrison Beaumont Insurance Services Limited are authorised and regulated by the Financial Services Authority for insurance activities 14/02/06
Exclusions
This policy does not indemnify the insured against any claim or claims: Made or threatened in any way intimated prior to inception date of the policy Brought about or contributed to by any dishonest, fraudulent, criminal or malicious act or omission of the Insured or of any person at any time employed by the insured. As a result of insolvency, bankruptcy or liquidation as the case may be of the insured. Brought against the insured arsing directly or indirectly out of the physical assault, interference as a consequence.
Exclusions
Public Liability & Professional Indemnity
Your Demands & Needs From our recent conversation we understand you are looking for Insurance to protect you for damages and legal costs arising out of third party bodily injury or third party property damage, and also to protect you for breaches of professional duty arsing from negligent acts, errors or omissions whilst instructing your specified exercise activities. Combined Liability Insurance provides you (according to the cover selected and subject to the policy terms and conditions) with cover for damages and legal costs arising from third party bodily injury or third party property damage and for breaches of professional duty up to the selected sums insured. From the information you have provided we have identified your demands and needs and duly provide the attached insurance documentation. We have not provided any recommendation as to the cover you should take and the chosen product is provided by our single insurer, based on the factual information provided. You must read the key facts leaflet enclosed which gives a summary of the cover, by proceeding you confirm that you understand the cover provided and accept the terms. Full details of the policy terms and conditions are available on request. You have a duty to disclose relevant information to your insurer before and during the insurance contract. If you fail to do so the insurance may not protect you in the event of a claim.
Professional Fitness is a trading name of R3 Holdings Limited and are an appointed representative of Harrison Beaumont Insurance Services Limited. Harrison Beaumont Insurance Services Limited are authorised and regulated by the Financial Services Authority for insurance activities 14/02/06
About our insurance services
Professional Fitness Globe House 24 Turret Lane Ipswich IP1 1DL
1. The Financial Services Authority (FSA)
The Financial Services Authority is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.
2. Whose products do we offer?
We offer products from a range of insurers We only offer insurances from a limited number of insurance providers Ask us for the list of insurers that we offer Products from X We only offer products from a single insurer
3. Which service will we provide you with?
We will advise and make a recommendation for you after we have assessed your needs in relation to (type of non-investment insurance contract)
X
You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.
4. What will you have to pay us for our services?
X NX A fee of £10.00 No fee
You will receive a quotation that will tell you about any other fees relating to any particular insurance policy.
5. Who regulates us?
Professional Fitness, a trading name of R3 Holdings Limited, registered office, Globe House, 24 Turret Lane, Ipswich, IP4 1DL, is an Appointed Representative of Harrison Beaumont Insurance Services Ltd who are authorised and regulated by the Financial Services Authority.
Professional Fitness is a trading name of R3 Holdings Limited and are an appointed representative of Harrison Beaumont Insurance Services Limited. Harrison Beaumont Insurance Services Limited are authorised and regulated by the Financial Services Authority for insurance activities 14/02/06
Their FSA Register number is 303968
Our permitted business is advising on and arranging insurances. You can check this on the Financial Services Authority register by visiting their website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.
6. What to do if you have a complaint
If you wish to register a complaint, please contact us:
In Writing
Harrison Beaumont Insurance Services Limited 2 Des Roche Square Witney Oxfordshire OX28 4LG
By Telephone
01993 700200
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service
7. Are we covered by the Financial Services Compensation Scheme (FSCS)?
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.
Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.
Further information about compensation scheme arrangements is available from FSCS.
Professional Fitness is a trading name of R3 Holdings Limited and are an appointed representative of Harrison Beaumont Insurance Services Limited. Harrison Beaumont Insurance Services Limited are authorised and regulated by the Financial Services Authority for insurance activities 14/02/06