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Insurance FAQs

If you are an active Personal Member of England Netball and have paid your membership fee in full, and England Netball is in receipt of your fees, then subject to the terms, conditions, provisions and exceptions of the policy, you are covered under England Netball’s programme of insurance during your involvement in recognised and authorised netball activity during the period of insurance.

The programme of insurance also covers active Personal Members for netball coaching or officiating as long as you are appropriately qualified and involved in recognised and authorised netball activity.

Please note: Social and Supporting Members are not covered by Personal Accident insurance.

Registered Leagues also benefit from the programme of insurance if Golden Roles on the League’s Management Committee are active Personal Members or are active Social and Supporting* Members and where all participants that play in the League are members of England Netball and participate in recognised and authorised versions of the game, in accordance with England Netball and International Netball Federation rules and regulations. Membership to England Netball should be stated as mandatory in the league regulations to demonstrate this.

*Social and Supporting Members are not covered by Personal Accident insurance.

Educational establishments are responsible for procuring their own insurance and are not covered by England Netball’s programme of insurance, subject to the exceptions below.

Exceptions:

Players at a College/University with an active College/University Group Membership are covered for Personal Accident (Category C Silver) by their College / University’s Group Membership during university organised recognised and authorised netball activity.

If an Educational Establishment would like to play in a tournament and/or event that is exclusive to England Netball registered Netball Clubs (outside of the National Schools Competition), they would need to upgrade their level of cover to include the full programme of insurance (including Category A Gold Personal Accident cover for players 16 years and over and Category B Gold for players under 16 years) by registering as a Netball Club and registering their players as Personal Members.

If you are appropriately trained and qualified to administer First Aid, as an active Personal Member of England Netball, you are insured for liability arising from the provision of First Aid treatment (excluding treatment provided by a qualified medical practitioner, such as a Doctor or Physiotherapist who should carry their own insurance) during the period of insurance.
To help you understand if you are appropriately trained and qualified to administer First Aid, you can read our First Aid certification guidance here.

England Netball only recognises certain versions of the game and therefore active Personal Members/Group Members are only indemnified whilst playing, training, attending courses or carrying out activities in relation to the following recognised versions of the game:

Netball

Single gender full seven aside version of the game in accordance with England Netball and/or the International Netball Federation’s rules and regulations, including:

  • Back to Netball
  • Netball Now

Fast 5/FastNet

Single gender five or seven aside version of the game in accordance with England Netball and the International Netball Federation’s rules and regulations.

Bee Netball

Netball training and matches in line with the Under 11 Age & Stage Framework for either mixed or single gender groups or classes.

High 5

Mixed gender five aside version of the game for 9-11 year olds in accordance with England Netball’s rules and regulations.

Indoor Netball (or Nets)

Mixed gender version of the game in accordance with England Netball and/or the World Indoor Netball Association’s (WINA) rules and regulations.

Mixed Netball

All versions listed above at a recreational level. England Netball welcomes mixed netball as a growing recreational form of the game and the involvement of men in netball in all roles. The recreational form of the game is defined as the casual participation in a non-competitive or competitive game at a local or county level, where the result does not have a consequence on a league, tournament or series of games at a regional level or above.

Walking Netball

Single gender full seven aside version of the game played at walking pace.

Other

Versions of the games that are endorsed by England Netball in recognition of the participants’ disability.

Authorised activity

“Authorised activity” is recognised versions of the game that have been authorised by England Netball. This is official England Netball activity (whether that be a programme, game, course, festival or tournament) organised by England Netball or the registered organisations that sit within England Netball’s governance framework (for example, County and Regional Netball Associations) and registered leagues that support affiliation to England Netball (by including this as an entry requirement in their regulations) and facilitate versions of the game in accordance with England Netball and INF rules and regulations. Anything outside of England Netball’s framework is not considered “authorised” and therefore isn’t covered by England Netball’s programme of insurance.

Important Note

While the policy applies to individuals and groups participating in recognised and authorised netball activity, England Netball does not always have jurisdiction over those providing recognised and authorised versions of the game to ensure that they are being delivered in a safe environment with adequate supervision. Individuals should not participate in any activity that they perceive to be unsafe.

Please see “How do I ensure the recognised and authorised activity is delivered in a safe environment with adequate supervision?”

Note for Tutors, Assessors and Internal Verifiers

The liability insurance is only provided for England Netball accredited tutors, assessors and internal verifiers who are delivering England Netball approved courses/workshops.

England Netball centrally arranges a programme of insurance; this insurance is designed to provide cover for the following areas:

– Liability, including:

  • Public Liability
  • Products Liability
  • Professional Indemnity
  • Management Liability (associations and netball clubs only)

– Personal Accident*

A copy of the policy documentation can be obtained by contacting England Netball or Howden.

*Social and Supporting Members are not covered by Personal Accident insurance.

The benefits and sums insured vary according to your eligibility, your category of membership and the netball activity undertaken. For full details of your cover provision, you should read the policy summary and policy wording.

In short, there are three levels of Personal Accident cover available, depending on your age and – in some cases – the netball activity undertaken. These three levels are:

  • Category A Gold – 16 and Over
  • Category B Gold – Under 16
  • Category C Silver

Please see the Summary of Cover for details of the benefits and sums insured for each category of cover.

There are three levels of Personal Accident cover available, depending on your age and – in some cases – the netball activity undertaken.

Category A Gold

Applies to anyone with an active Personal Membership aged 16 years or over and up to age 80. This can include:

  • Players
  • Coaches
  • Umpires
  • Tutors, Assessors and Internal Verifiers
  • Technical Officials
  • Honorary Life Members
  • County Netball Association’s Management Committee
  • Regional Management Board’s Management Committee
  • Volunteers who have a Personal Membership (as opposed to a Social & Supporting membership)
  • Advisory Groups, Committees and Technical Support Groups working with either England Netball or their Regional Management Boards and County Committees.

Category B Gold

Applies to anyone with an active Personal Membership aged under 16 years.

Category C Silver

Applies to players at a College or University that has a College/University Group membership, and England Netball Staff (contracted and zero hours).

Please note that Volunteers, Administrators, Fans, Parents etc. or anyone that has an active Social and Supporting Membership are not covered by Personal Accident insurance.

The insurer will, subject to the terms, conditions, provisions and exceptions of the policy, pay the sums insured against the relevant benefit or benefits if, during the period of insurance, and as a result of recognised and authorised netball activity, an Insured Person suffers Bodily Injury which is the sole cause of their death or disablement. The benefits and sums insured vary according to the category of membership, as explained above.

As an example, benefits include*:

  • Accidental Death
  • Permanent Total Disability
  • Loss of Limb
  • Loss of one or both eyes
  • Loss of Speech
  • Loss of Hearing
  • Emergency Dental/Optical Expenses
  • Hospitalisation
  • Convalescence
  • Physiotherapy
  • Broken Bones
  • Torn Anterior Cruciate Ligament necessitating surgery
  • Temporary Total Disablement
  • Temporary Partial Disablement etc.

*This is intended as a guide only. For a full list of benefits and information regarding the sums insured, excesses, limitations, exclusions and definitions, please refer to the full policy documentation.

Please note the following:

Category B Gold exclusions include: Hospitalisation, Convalescence, Temporary Total Disablement, and Temporary Partial Disablement.

Category C Silver exclusions: Hospitalisation, Convalescence, Physiotherapy, Temporary Total Disablement, and Temporary Partial Disablement.

Category B Gold includes: Parental Travel Expenses (incurred travelling to or from insured person’s home and medical practitioner).

Social and Supporting Members are not covered by the Personal Accident insurance.

The cover commences once England Netball is in receipt of the full membership fee and the membership has been activated in the online netball management system, ENgage. If you have paid your fee in advance of the membership year, your cover will start as soon as the new membership year commences (usually 1 September). Cover expires in conjunction with the membership expiration date (usually 31 August), unless terminated sooner.

There is no maximum age limit for the Liability programme of insurance.

However, please note that the Personal Accident insurance applies up to the age of 80 years for all active Personal Members who are participating in recognised and authorised netball activity. Once a Personal Member turns 80 years old, they will no longer be covered by the Personal Accident policy and participate in recognised and authorised netball activity at their own risk.

Please note that Social and Supporting Members are not covered for Personal Accident.

The minimum age limit for Coaches and Umpires (including trainees) is as per the current England Netball regulations.

The Personal Accident policy provides cover for all active Personal Members of England Netball who are participating in any recognised and authorised netball activity anywhere in the world.

The liability risks associated with participation are covered worldwide during England Netball recognised and authorised netball activity, although a Public / Products Liability and Professional Indemnity claim cannot be brought within the USA or Canada and Management Liability cover does not apply for any activity undertaken in the USA or Canada.

Please note that no cover is provided for activities not recognised and authorised by England Netball, and all activity must be risk assessed prior to the commencement of play.

Remember the programme of insurances provides cover for the following:

– Liability, including:

  • Public Liability
  • Products Liability
  • Professional Indemnity
  • Management Liability – Clubs & Registered leagues only

– Personal Accident*

Travel insurance should be sought separately where applicable.

*Social and Supporting Members are not covered by Personal Accident insurance.

As per “Am I covered by the programme of insurance outside of the UK, when on holiday or overseas?” as long as they are qualified to act in that capacity. If you are unsure whether you are appropriately qualified, please contact: qualifications@englandnetball.co.uk.

As per “Am I covered by the programme of insurance outside of the UK, when on holiday or overseas?” as long as they are qualified UKCC Level 2 or above. If you are unsure whether you are appropriately qualified, please contact: qualifications@englandnetball.co.uk.

If the trainee official is an active Personal Member and has enrolled onto and is working towards an England Netball or Netball Europe Umpiring Award, they are covered by the programme of insurances to officiate recognised and authorised netball activity.

More information about the officiating pathway can be found here.

Unfortunately you must hold a UKCC Level 2 or above qualification and be an active Personal Member to be covered by the programme of insurance to coach. However, if you are unqualified, you may assist a qualified UKCC Level 2 (or above) coach.

More information about the coaching pathway can be found here.

If you are a UKCC Level 1 coach and an active Personal Member you are qualified to assist a UKCC Level 2 (or above) coach during recognised and authorised netball activity, and are covered for Personal Accident during the session. You are not appropriately qualified to lead the session alone and therefore aren’t covered for liability.

If you are an active Personal Member, you are eligible to deliver the following recognised and authorised activities during the period of insurance, subject to you having attained the following qualifications:

Coaching an adult or junior netball club

In order to be covered by the programme of insurance to coach in an adult or junior netball club you need to have a UK Coaching Certificate (UKCC) Level 2, attained 2007 onwards (if you passed the England Netball Level 2 award pre-2007, you should have completed a conversion course by 31 March 2015) or an England Netball or UKCC Level 3.

You can find a UKCC course here.

Walking Netball

In order to be covered by the programme of insurance to run a Walking Netball session, you must have attended England Netball’s Walking Netball Host Training.

You can find out more about the Walking Netball Host Training workshop here.

Back to Netball

In order to be covered by the programme of insurance to lead Back to Netball, you need to have a UKCC Level 2, attained 2007 onwards (if you passed the England Netball Level 2 award pre-2007, you should have completed a conversion course by 31 March 2015) or an England Netball or UKCC Level 3.

You can find a UKCC course here.

School Netball

Teachers that deliver school netball in the school environment, are usually covered by the school’s insurance. If you are unsure, please check with your school. In this instance Qualified Teaching Status (QTS) is the minimum qualification required.

If you have QTS and would like to deliver netball outside of the school environment, to be covered by England Netball’s programme of insurance, you need to be an active Personal Member with a UKCC Level 2, attained 2007 onwards (if you passed the England Netball Level 2 award pre-2007, you should have completed a conversion course by 31 March 2015) or an England Netball or UKCC Level 3.

A Risk Assessment Checklist should be completed before any game (where an umpire or competition official has not been required to complete a risk assessment) and this should become part of the overall risk management culture of your netball club or group.

Individuals should also make themselves aware of their environment and activity and scan it for risk prior to participating. Participation in an environment deemed inappropriate or unsafe may result in any potential insurance claim being invalid.

In the case of mixed netball, individuals are encouraged to take into account the physical differences between men and women when assessing a safe environment.

A Risk Assessment Checklist should be completed before any game (where an umpire or competition official has not been required to complete a risk assessment) and this should become part of the overall risk management culture of your Netball Club or group. All clubs competing should take part in the completion of the checklist and two representatives should sign the form once they are satisfied with the conditions.

If the club is responsible for proceeding on game day (i.e. shared common ground), then a club representative may take responsibility for the completion of the form. However, the participating clubs should still review the questions and sign the form to ensure that they are satisfied with the conditions prior to commencement of play.

All clubs should choose a suitable person that will be responsible for this activity (and a backup if he/she is not available).

The checklist should be completed prior to the commencement of play of the first game on game day.

If the conditions change during a game or at another time during the day, the checklist process should be revisited. The earlier completion of the form should not result in play continuing where it is acknowledged that it is potentially unsafe. However, the full extent of the checklist process would probably not be required.

In the event that the conditions do change significantly enough for this to be revisited, the situation should either be rectified (e.g. glass removed) or the competing clubs should meet to decide whether conditions are too dangerous to continue with play (e.g. extreme storm conditions). Ultimately, the responsibility for these situations will rest with the clubs, but the safety of the players, spectators etc. should be the overriding factor.

The intention of the checklist is not to hold Club officials responsible should someone get injured. It is simply a form that facilitates a discussion between the clubs and officials about the overall state of the playing condition. By signing the form there is a sense of formalising the process. However, the programme of insurance does protect clubs and officials in the case of wrongful acts or errors, although they still have a duty of care to provide safe conditions for participants. Cover will not be provided for officials who show wilful negligence or disregard for these responsibilities.

The home club should retain the original checklist. These forms should be retained for a minimum of three years for future reference and longer where under 18s are participating.

If one club declines to sign the form due to dissatisfaction of playing conditions, the risk should be identified and rectified to a standard that provides acceptable safe conditions for all parties. Once both clubs are satisfied, the form should be able to be signed and play commenced. If conditions prove too unsatisfactory and are unable to be rectified, common sense should prevail. Play should never commence until safe conditions are available to all participants.

Insurance cover is operative when Personal Members are participating in recognised and authorised netball activity and it is not dependent on who else is participating in the activity.

Males can join Netball Clubs as Personal Members (although some clubs may be single sex) or a County Netball Association as an independent Personal Member.

All Personal Members of England Netball are covered by the programme of insurance whilst participating in recognised and authorised netball activity in accordance with the conditions stated in these FAQs and other published terms and conditions.

Some fundraising and social activities organised by England Netball registered Netball Clubs and Personal Members are covered by Public Liability providing the activity does not require any additional specialist equipment, qualification or training. For these types of activity you should engage an appropriate third party contractor that carries their own suitable insurance.

Please refer to the policy and principle exclusions for more information. If you consider an event to be “out of the ordinary”, you should contact Howden prior to beginning the event. No cover is provided for bouncy castles and trampolines.

A pregnant active Personal Member should only participate in recognised and authorised netball activity with approval from her doctor and in accordance with England Netball guidelines. Neither England Netball, nor the registered netball club or league, will be held liable for any pregnant individual participating in recognised and authorised activity should the expectant mother suffer a miscarriage or permanent damage to herself and/or unborn child as a result of participation.

The England Netball Personal Accident cover will not provide any benefit for injury, loss or expense due to pregnancy, childbirth, miscarriage or any consequence thereof.

For example, if an Insured Person who is pregnant is involved in an accident (not pregnancy related) and suffers a broken leg, then subject to claims validation, we would pay any broken bones benefit, the Hospital Confinement benefit and Temporary Total Disablement benefit due under the Personal Accident Insurance Policy resulting from this injury.

However, if the absence or hospital stay is prolonged as a direct result of pregnancy, pregnancy complications or even early childbirth then this would not be covered.

If you have had an accident, claims under this policy must be notified to the insurer within 120 days from the date of the incident. No claim will be considered after 365 days from the date of the incident. If you are unsure if your injury will trigger a claim under the policy, please discuss with Howden claims team. Please contact Howden using the contact information below:

Kirsty McNamara
0121 698 8040
kirsty.mcnamara@howdengroup.com.

You must report every claim and any incident that is likely to give rise to a claim in the future. Please contact Howden on 0121 698 8040 and complete the necessary report/claim form as soon as possible to avoid prejudicing your claim. Do not admit liability; do not make an offer or promise to pay.

It is essential that you notify any claim or potential claim. It is also important not to admit liability or discuss the matter with a third party.
Please refer to Howden within 24 hours of receipt or knowledge of the incident and please do not respond before referal to Howden.
Please contact:

Kirsty McNamara
0121 698 8040
kirsty.mcnamara@howdengroup.com.

You must report every claim and any incident that is likely to give rise to a claim in the future. Please contact Howden on 0121 698 8040 and complete the necessary report/claim form as soon as possible to avoid prejudicing your claim. Do not admit liability; do not make an offer or promise to pay.

Do not respond to it. It is essential that any allegations are submitted to Howden immediately. Please contact Howden on 0121 698 8040 and complete the necessary report/claim form as soon as possible to avoid prejudicing your claim. Do not admit liability; do not make an offer or promise to pay.

For the full policy terms and conditions, please contact Howden:

Jo Dallaway
0121 698 8156
jo.dallaway@howdengroup.com

For claims, please contact Howden:

Kirsty McNamara
0121 698 8040
Kirsty.mcnamara@howdengroup.com

For questions about your membership category, please contact England Netball’s Customer Services team:

Customer Services
England Netball
SportPark
3 Oakwood Drive
Loughborough
Leicestershire
LE11 3QF

Telephone Number: (01509) 277850
Email: membership@englandnetball.co.uk

You can download a copy here.

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