Member Insurance
Everywhen (formerly Towergate), British Obstacle Sports’ Official Insurance Partner, have documented below the cover the federation have selected for its members as well providing a point of reference for members about some key things you should consider when participating in obstacle sports.
This summary is divided into the following four sections:
- Key information about the British Obstacle Sports personal accident policy for all members.
- For those who need additional protection some basic information on life insurance, critical illness and income protection and who to speak to if you want to make further enquiries.
- Travel Insurance considerations should you be participating in obstacle sports overseas.
- Personal liability.
1. Personal accident insurance for all participating members
As an adult (under the age of 75) or under 18 member of British Obstacle Sports, you automatically benefit from personal accident cover. The only membership class that is not included is the Supporter membership. It is important you understand the protection this policy provides and we have summarised some key information below.
IMPORTANT: While your member insurance covers the personal accident cover below it does not include employment protection and is not travel insurance.
For example medical fees would not be covered if abroad.
What Personal Accident Cover Does
Personal accident insurance provides set benefit payments should you suffer a predefined injury, as well as set weekly benefits for temporary total and temporary partial disablement. The cover applies for any member whilst participating or actively volunteering/supporting at:
- Any Participating at a British Obstacle Sports (BOS), EOSF, FISO, UNAA, Tough Mudder, Spartan Race or British Obstacle Sports (BOS) Licensed Obstacle Sport event on behalf of the Assured.
- Any Training/attending an Affiliated Training Centre on behalf of the Assured.
- An Affiliated Activity Park on behalf of the Assured or whilst
- Training for Obstacle Sports under the supervision of a British Obstacle Sports (BOS) certified coach on behalf of BOS.
Please refer to our policy documents for full wording (available on request). A summary of the benefits is set out below.
| # | Schedule Of Benefits |
Adults 18-75 |
Under 18 |
|---|---|---|---|
| 1 | Accidental Death | £10,000 | £10,000 |
| 2 | Permanent Total Loss of Sight of One Eye | £5,000 | £5,000 |
| 3 | Permanent Total Loss of Sight of Both Eyes | £10,000 | £10,000 |
| 4 | Loss of One or More Limb(s) | £10,000 | £10,000 |
| 5 | Permanent Total Loss of Speech | £10,000 | £10,000 |
| 6 | Permanent Total Loss of Hearing in One Ear | £2,500 | £2,500 |
| 7 | Permanent Total Loss of Hearing in Both Ears | £10,000 | £10,000 |
| 8 | Permanent Total Disablement | £10,000 | £10,000 |
| 9 |
Temporary Total Disablement Excess Period Benefit Period |
£100 per week 14 days 52 weeks |
N/A |
| 10 |
Temporary Partial Disablement Excess Period Benefit Period |
£50 per week 14 days 52 weeks |
N/A |
This summary is not exhaustive so please refer to the policy documentation for full details of the cover provided and applicable terms and conditions or contact Nick Sullivan at Everywhen.
Key Definitions
Temporary Partial Disablement – Disablement which temporarily prevents the insured person from attending to a substantial part of the duties of his usual business or occupation.
Temporary Total Disablement:
- For persons in paid employment – disablement which is medically determined to temporarily prevent an insured person from undertaking all parts of their usual occupation as carried out at the date of the accident.
- For persons who are not in paid employment – disablement which is medically determined to temporarily prevent an insured person from undertaking their usual duties or activities (including attending to scholastic duties) as carried out at the date of the accident and resulting in out-of-pocket expenses.
Medical Expenses:
-
Expenses necessarily and reasonably incurred by the insured person for medical, hospital, surgical, manipulative, massage, physiotherapy, therapeutic, x-ray or nursing treatment, including the cost of medical supplies and ambulance hire. Cover is subject to there being a valid claim under sections 1-9 of the policy and limited to 20% of the value of that claim (e.g. the policy provides cover for expenses incurred in relation to physiotherapy treatment required as a result of a broken leg that triggered a payment under section 8 of the policy “temporary total disablement”).
FAQs
Yes.
Yes, as long as they qualify under what is covered in our list above.
Yes. Although, please note temporary total and partial disablement are not covered under the policy.
Yes and no. The cover is worldwide, but does not replace the need for travel insurance that includes cover for obstacle sport events.
This type of cover is not designed to protect your income, therefore, if you are at risk from reduced income should you be unable to work as a result of an injury, please read the “Life Insurance, Serious Illness and Income Protection” section below or simply contact Everywhen.
Note these items are not covered automatically with your membership.
Private medical insurance allows you to access treatment for injuries more quickly than is likely to be available on the NHS, allowing you to get back to obstacle sports sooner that might otherwise be the case*.
Income protection ensures that you won’t face financial hardship if you are unable to work due to injury or illness, something of particular relevance to those who are self-employed and have more “manual” jobs.
As insurance advisors to British Obstacle Sports, Everywhen (formerly Towergate) would like to introduce you to our colleagues at Usay Compare who are on hand to help BOS members ensure they have access to no-obligation, expert advice on both private medical and income protection cover. Their team of friendly, expert advisers are on the end of the phone, ready to guide you easily through the whole process.
Click here to refer yourself for private medical and/or here for income protection.
Once you have submitted the form, Usay will get in touch to discuss your private medical insurance and income protection options.
3. Travel Insurance
Note travel insurance is not covered automatically with your membership.
As the name suggests, travel insurance covers the risks associated with travel, such as emergency medical expenses, cancellation and curtailment expenses and baggage/possessions and this is NOT covered automatically with your membership.
Not all travel policies will cover hazardous sports such as obstacle sports, therefore, it is important to check this point on any policy you already have or may be considering. With this in mind, a Everywhen offer a policy that can include cover for obstacle sports (as well as an array of other hazardous activities which can be accessed via https://everywhen-sports.jlutravel.co.uk/travel-homepage. Please select the Sports+ option on the first screen if you require cover to include participation in obstacle sports, noting cover is also available for those not participating. Cover can be purchased on either a single trip or, for those making multiple trips overseas, you can also purchase an annual policy.
4. Personal Liability
Note travel insurance is not covered automatically with your membership.
It’s a relatively slight risk that obstacle sport participation could leave you open to a claim against you in your personal capacity relating to alleged negligence that caused injury to a third party, however, it is not beyond the realms of possibility in an ever increasingly litigious society.
Most home insurances provide the policy holder and their immediate family residing in the home a level of protection for this scenario (known as personal liability insurance) but all policies are different and yours may not extend this cover in respect of obstacle sports participation.
