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.
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The 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.

Sports Accident Plan guide cover

Plan highlights

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Premiums start from as little as £20 a month

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Many high risk sports covered, which may be excluded from other protection plans

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Wide range of cash benefits available

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Fast application process – no medical questions

Sports Accident Plan (SYM)

All the benefits from the Sports Accident Plan

Schedule of benefitsBronzeSilverGold
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 BenefitsBronzeSilverGold
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 BenefitsBronzeSilverGold
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?

To take out a Sports Accident Plan you must be:

  • 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

I put in a claim in beginning of October and they sorted it out very quickly and I’m with them good few years never had any complaints thank you.

Jacqueline McHugh 
Jacqueline McHugh

Excellent service, claim handled quickly & efficiently. A refreshing change.

Anonymous 
Anonymous

Great service as always.

Deborah 
Deborah

Friendly company, fast response, I am satisfied with the services and contact.

Anna 
Anna

Happy with my insurance had a accident and with in a week got sorted Very helpful

Anonymous 
Anonymous

I would definitely recommend these guys. They make everything so easy and straight forward to understand.

Sarah Tanner Art 
Sarah Tanner Art

Great company. Friendly customer service compared to many other insurance companies, online chat was very helpful and apply online service was fantastic!! Highly recommend!!

Kirsty Daniel 
Kirsty Daniel

Really happy with the service. The team led me to a great package for my health insurance for my family and the renewals process was really easy. Would reccomend!

Paul Norton 
Paul Norton

Extremely efficient company to deal with, totally satisfied with Lynsey who always answered any query I had with accurate information. Would not hesitate to recommend them.

Andrew 
Andrew

What's not included?

These are some of the key exclusions. Please refer to the Policy Document for a full list of exclusions.

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Where the accident does not result from participation in sports

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Fracture benefits during the first 7 days of the plan

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All combat sports and winter sports races

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Selected extreme sports

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Mountaineering and rock climbing

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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?
You must be:

  • 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?
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 underwrites the plan?
The plan is provided by Pulse Insurance Limited and underwritten by Travelers Syndicate Management Limited.
Are professional sports people covered?
The plan does not cover professional sports people. A professional is defined as any person who has a contract of employment or contract of services and where their full-time occupation is undertaking the sport/activity.
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.

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The Hive, Almondsbury Business Centre, Woodlands, Bradley Stoke, Bristol, BS32 4QH

0800 028 0849

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You can contact us directly by emailing enquiries@hiveinsure.co.uk

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