Martial Arts Insurance

No, our martial arts policies do not cover professional competitions.

All applicants must be over 18 years of age and have either a black belt or a teaching qualification. They must also be connected to a club or association.

This forms part of the group public and products liability policy and provides cover for one member to another member for negligent injury. This is not a form of personal accident insurance.

All disciplines and weapons that we cannot provide cover for are listed below:

• Bajujitsu
• Cage Fighting
• Chin Na
• Dim Mak
• Disciplines using pressure points
• Jobajitsu
• Kalari
• Kalaripayattu
• Kyusho
• Kyusho Ju Jitsu
• Mixed martial arts including competitions
• Musti Yudha
• No connection to martial arts
• Payattu
• Shootfighting
• Subajutsu
• Thoda
• Vajra Mushti

Declined weapons:

• Japanese bows
• Japanese long blow and arrows
• Live bladed weapons
• Shurieken

Group public liability provides indemnity for your legal liability for damages, including claimant legal costs arising out of accidental injury to any person (other than employees), accidental loss or damage to third party property, nuisance and trespass and member to member indemnity.

Instructor public and products liability provides a personal indemnity to an Instructor for liability arising from their instruction, demonstration or supervision of martial arts activity, including legal defense costs.

Yes, provided that a senior instructor can vouch for their experience.

We will cover activities which are described on your statement of fact.

Yes, the cover is personal to you as an instructor, but you have to be attached to an organisation.

You can login into your account using your username and password and access all of your policy documents free of charge, including your instructor liability certificate. If you require a password reset to your account please contact us.

Personal Accident cover provides a benefit (subject to the policy terms) if a member is injured whilst participating in Martial Arts regardless of negligence. Liability cover is an indemnity for Legal Liability.

For competitions/events organised by an Association/Club which is open for non-members to take part, the organising Association/Club is required to extend their cover for the duration of the competition/event. We will require the date, venue name, limit of indemnity and payment before cover can be issued.

The minimum age is 4 years, while the maximum age is 70 years. The maximum age will only apply to the Personal Accident policy.

It applies to members over 16 years of age only, unless the junior member is hospitalised. Benefit will be paid to the junior member for the period of the hospitalisation. The two-week excess period will apply.

The two week excess period is the amount of time you have to be out of work due to an insurable event before a claim can be made.

Yes, the policies are Worldwide, but exclude the USA and Canada in respect of Products Liability Cover, though cover only applies to UK domiciled persons.

Contact the Allianz claims service on 0344 893 9500 or write to them at:

Allianz Claims
PO Box 10509
51 Saffron Road
Wigston
LE18 9FP

Dojo/contents

We can tailor a package of All Risks cover for your Dojo. The policy can include cover for the buildings, contents, business interruption, money and glass.

Description of activities

Your insurer covers only those activities which you have declared on your Statement of Fact. You must advise us of all activities in which you participate or any additional ones you wish to include to ensure that adequate cover is effective.

Health and safety

It is important that all adequate and appropriate safety measures have been put into place to ensure accidents are avoided.

Risk director

Please contact Towergate Insurance for more details.

Membership records

In the event of a claim, you may be called upon to confirm membership. Please ensure that you keep a record of all members past and present.

Insurers reserve the right to examine membership records. You must ensure that all accidents are recorded for reference in the event of a claim.

If you prefer to spread the cost of your annual premium, we offer a quick and easy direct debit scheme. When you choose to pay premiums in instalments, you will be paying under a Premium Finance plan. We will give you full details of the finance provider, and the additional cost of finance, when we provide you with your payment plan quotation. This will include the total payable, the number of monthly instalments and the cost of each, as well as the representative APR.