Instructors & Coaches Key facts

Who is the Insurer?

This policy is underwritten on behalf of Lloyd's Syndicate 2468 by Marketform, 8 Lloyds Avenue, London, EC3N 3EL.

What sort of insurance is this?

An Instructors & Coaches Insurance policy satisfies the demands and needs of a qualified person who wishes to be covered by Liability Insurance whilst coaching and teaching sports / leisure activities as listed on the Insurance Schedule.
View the list of sports and their groups

How long will my cover last?

The actual validity dates are shown on the Insurance Schedule, annual policies are valid for one full year. Please note the cover will not incept if any payment method is dishonoured. We do not issue policies of more than one year.

Are there any significant and unusual exclusions or limitations?

These are all set out fully either on the Insurance Schedule or in the policy wording, but please note the following:

    This policy is only available to persons resident in the Great Britain.
    The policy only covers Qualified Instructors / Coaches for the sports they are qualified to teach or instruct.
    There are specific exclusions for War, Terrorism, Sexual Abuse and Asbestos.
    This policy is only valid whilst teaching or instructing in the United Kingdom.
    There are limits to the amount the insurer will pay in all sections of the policy.
    You may be responsible for paying part of the claim. The amount you have to pay is the excess. The excess payable can be found on the Insurance Schedule.
    You are required to take all reasonable care to protect yourself and your property and to act at all times as if you are not insured.
    Your Insurance Schedule may contain specific Warranties and Endorsements, please read these carefully.

What are my cancellation rights?

If the Insurance does not meet with your requirements you may return the documentation within 14 days of the date of issue and provided no claim is made, obtain a full refund.

How do I claim?

To make a claim you must contact DareDirect at Rustling House, Bottle Square Lane, Radnage, Buckinghamshire, HP14 4DP or Telephone 0845 120 6410 as soon as possible after the incident giving rise to the claim to declare it.

If I am unhappy what steps do I take to complain?

If you have any questions or concerns about any aspect of your insurance or the Insurers you should, in the first instance, contact DareDirect. In the event that you remain dissatisfied and wish to make a complaint you can do so at any time by referring the matter to the Policyholder and Market Assistance Department at Lloyd's. Their address is:- Policyholder and Market Assistance, Lloyds Market Services, One Lime Street, London EC3M 7HA. Telephone: 020 7327 5693. Fax: 020 7327 5225. e-mail: complaints@lloyds.com

What if I am not happy with the outcome of my complaint?

Complaints that cannot be resolved by the Policyholder and Market Assistance Department may be referred to The Financial Ombudsman Service. Further details will be provided at the appropriate stage of the complaints process.

Am I covered by the financial services compensational scheme?

Lloyd's insurers are covered by the Financial Services Authority's Compensation Scheme. You may be entitled to compensation from the Scheme if a Lloyd's insurer is unable to meet its obligations under this contract. If you were entitled to compensation from the Scheme, the level and extent of compensation would depend on the nature of this contract. Further information about the Scheme is available from the Financial Services Compensation Scheme (7th floor Lloyd's Chambers, Portsoken Street, London E1 8BN) and on their website: www.fscs.org.uk