Martial Arts Insurance

This depends:

• New and renewing policies taken out from 1 December 2020 will not cover this, please read more below and see current policy documents.
• However existing policy holders who bought before 1 December 2020 continue to be covered until their policy renewal.

As the impact of the coronavirus pandemic is continuing to be felt across the UK and worldwide, all insurers are contemplating changes to their policy wordings.

With effect from 1 December 2020, the martial arts insurer for Towergate, Allianz Insurance plc, will be adding a communicable disease exclusion to the general exclusions within your public and products liability insurance section of cover. 

All declined disciplines and declined weapons 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.

We cannot accept the use of live bladed weapons on either the Group covers or Instructor Public and Products Liability.

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

Payments are to be made online only. No manual prop forms can be accepted.

We will cover activities which are described on your proposal form or which are subsequently notified to us and accepted.

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 & password and access all of your policy documents free of charge, including your instructor liability certificate.

Yes, this is a requirement of the insurer.

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. The premiums and indemnity levels are shown on the Insurance Cost Summary. 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 2-week excess period will apply.

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 declared on your original Proposal Form. 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.