Sports Accident Plan
When you put your body on the line in sport, it puts you at risk of injury. And when injury happens, it can cost you financially. However, the Sports Accident Plan can help to solve this problem. It gives you cash benefits if you suffer serious injuries or a specified fracture. Contact usThe Sports Accident Plan provides a wide range of cash benefits in the event of accident and injury from sport.
When you take part in sport, your body’s on the line and at risk of injury. And when injury happens, it can cost you financially as well as physically. For instance, you may need some time off work to recover and you may also need help getting around. And that’s not to mention the repairs to equipment that you need to pay for, and the possibility of having to buy brand new gear to replace anything that can’t be fixed.
The costs involved in a sports accident can be enough to put you off the sport altogether, but we don’t think that’s right. Indeed, we believe you should continue to enjoy your sport, safe in the knowledge that if a serious accident takes place, you’ll get money to help with your costs.
Therefore we’ve created the Sports Accident Plan. It’s been designed especially for sportspeople like you and includes a range of benefits to help you get back on your feet. Or saddle. So don’t be left behind, get covered today! Finally, download our guide or read on for more details.
Plan highlights
Premiums start from as little as £20 a month
Many high risk sports covered, which may be excluded from other protection plans
Wide range of cash benefits available
Fast application process – no medical questions
All the benefits from the Sports Accident Plan
| Schedule of benefits | Bronze | Silver | Gold |
|---|---|---|---|
| Out of work benefit: This is payable for every full week that you’re unable to work following a sports accident. You’ll receive this benefit until you can return to work, up to a maximum of 26 weeks. No benefit is payable for the first 2 weeks of disablement. | £200 per week | £250 per week | £300 per week |
| Hospitalisation benefits: This is payable for every full week you’re hospitalised following a sports accident. You’ll receive this benefit until you leave hospital, up to a maximum of 104 weeks. No benefit is payable for the first 2 weeks of hospitalisation. | - | £250 per week | £350 per week |
| Coma benefit: This is payable for every full week you’re in a coma following a sports accident. You’ll receive this benefit until you regain consciousness, up to a maximum of 26 weeks. | - | £250 per week | £350 per week |
| Serious Injury Benefits | Bronze | Silver | Gold |
|---|---|---|---|
| Accidental death | - | £25,000 | £35,000 |
| Loss of limb | - | £25,000 | £35,000 |
| Loss of sight in one or both eyes | - | £25,000 | £35,000 |
| Permanent total disability | - | £25,000 | £35,000 |
| Anterior cruciate ligament injury | - | £400 | £400 |
| Achilles tendon rupture | - | £400 | £400 |
| Fracture Benefits | Bronze | Silver | Gold |
|---|---|---|---|
| Upper leg | - | £500 | £500 |
| Lower leg, kneecap, ankle, arm, wrist, skull | - | £250 | £250 |
| Hand*, foot*, shoulder blade, breastbone, collar bone | - | £100 | £100 |
| A fracture means a breach in the continuity of the bone caused by an accident which is identified by an x-ray or in the case of a fracture which is unable to be x-rayed, by confirmation from a doctor. *Excluding fingers and toes. | |||
Who is eligible to join?
- Between the ages of 17 and 60 inclusive
- Resident in the UK, Isle of Man or Channel Islands
- Employed and working for a minimum of 16 hours per week, or self-employed
What's not included?
These are some of the key exclusions. Please refer to the Policy Document for a full list of exclusions.
Where the accident does not result from participation in sports
Fracture benefits during the first 7 days of the plan
All combat sports and winter sports races
Selected extreme sports
Mountaineering and rock climbing
Professional sports
The sports accident plan in action
John is an experienced motocross rider and races every week. Because of the risks associated with the sport and the fact that he has two dependent children, John decides to take out the Gold level of cover at a cost of £50 a month.
The following month, John is racing in a local time trial when he falls off his bike and takes a nasty fall. Consequently, he fractures his upper leg and damages the front wheel of his bike in the process.
As a result, John is taken to hospital where he stays for a total of four weeks. Because of the seriousness of the fracture and amount of treatment he needs, he needs five weeks off work.
As he’s covered, John receives a total of £2,250 from his Sports Accident Plan which is calculated as follows:
- Fracture to upper leg = £500
- Four weeks in hospital = £700 (benefits payable after 2 weeks)
- Five weeks out of work = £1,050 (benefits payable after 2 weeks)
John uses his payout to cover household bills and living expenses while he’s unable to work. Plus, he has money left over to fix and service his bike, getting it ready to race with again.
FAQs
Can I apply for this plan?
- Between the ages of 17 and 60 inclusive
- Resident in the UK, Isle of Man or Channel Islands
- Employed and working for a minimum of 16 hours per week, or self-employed
What do you mean by a closed or open fracture?
Who underwrites the plan?
Are professional sports people covered?
What sports are included and excluded?
The plan covers the vast majority of sports including football, rugby, motor racing, equestrian sports and winter sports (excluding organised races). However, the following sports and activities are excluded: combat sports, winter sports races, mountaineering and rock climbing, cresta run luge, ice swimming, shooting, ultra running (48hrs plus in duration), arm wrestling, Australian rules, base jumping, big walling, bull running, canoeing/kayaking/rafting (above grade 5), deep water soloing, downhill skating, fly boarding, free climbing/running, gravity biking, jet lev, kite skiing/snowboarding, microlight flying, paragliding (without instructor), parkour, sand dune buggying, Segway polo, speed flying and TA training.
How to make a claim?
If you need to make a claim simply call the Claims Team, Sentry Solutions, on 020 8667 2467 or complete the claim form. Then, they will provide you with a claims form to complete and return. As part of their assessment they may request medical information from your GP or treating consultant to confirm the injuries you have suffered. Also, please ensure you make your claim within 6 months from the date of your accident or injury.
Are there any cancelation fees?
If for any reason you’re not satisfied with your plan, you may cancel it within 14 days from its start date for a full refund, provided that you’ve not made a claim. Moreover, if you cancel outside the cooling off period, provided you have not made a claim, you will be entitled to a pro rata refund of any premium paid, less a 15% cancellation fee (subject to a minimum of £25).
How do we deal with pre-existing conditions?
This plan will not cover claims arising out of or attributable to any physical defect, infirmity or medical condition known to you at the inception date of this insurance. Nevertheless, this exclusion shall not apply if the condition has been without the necessity of medical consultation or treatment for 24 consecutive months prior to the commencement date of this insurance. Moreover, any medical conditions that are excluded at commencement date of this insurance can become covered once you complete 24 consecutive months without the necessity of medical consultation or treatment.
When does the plan end?
The Sports Accident Plan is an annual policy, and is renewable every 12 months. Therefore, if you choose to renew the plan every year, the plan will end on the earliest of the following:
- If you:
- are paid the maximum aggregate benefit on this insurance policy
- do not pay your premiums when due
- die or cease to be a UK resident
- reach 61 years of age at the commencement date of the period of insurance
- If the policy is cancelled by you or the insurer
- In order to be eligible to renew your policy you must meet the criteria as set out in “Can I apply for this plan?”
Get in touch
From death and serious illness, through to accidents and help with everyday medical bills, we help to provide peace of mind and we’re here when you need us most. Here’s how to get in touch.
HQ
Unit 4 Ground Floor Bredon House, Almondsbury Business Centre, Woodlands, Bradley Stoke, Bristol, BS32 4QH
0800 028 0849
Lines are open 9am-3pm Monday to Friday (excluding public holidays). Calls are recorded and kept for training, monitoring and regulatory purposes
You can contact us directly by emailing enquiries@hiveinsure.co.uk