Martial Arts Insurance

This depends:

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

As the impact of coronavirus pandemic is continuing to be felt across the UK and worldwide all insurers are contemplating changes to their policy wordings. Your martial arts insurance (underwritten by Allianz Insurance plc) are updating their policy wording in order to clarify their intent in relation to the coverage of losses arising out of diseases and non-damage events.

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.

Yes, we can provide cyber cover as part of our martial arts insurance. Please note changes to cyber cover as of January 2021.

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.

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

All declined disciplines and declined weapons are listed below.

Declined disciplines

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 defence costs.

We cannot accept 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/Clubs 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 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 World-wide but excluding 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.

To find out more about our Martial Arts policies contact us today on:
tel: 01926 439 511
email: martialguard@towergate.co.uk

Whilst we have endeavoured to answer some Frequently Asked Questions and provide Useful Information, we would refer you to the terms of the relevant Policy Document(s), Cover Summary and Proposal which will always take precedence.