Basketball England coaches & officials

Cover for your coaching and officiating

Basketball England coaches and officials are given insurance cover as part of their membership. 

You have a duty of care and a responsibility to ensure you do not cause injury or financial loss to others or damage to their property. If you do cause injury, financial loss or damage, you could become legally liable to pay compensation.

Your cover protects you with the following:

  • Public liability - up to £15 million limit of indemnity
  • Professional indemnity - up to £5 million limit of indemnity

When does cover apply?

You are covered as a coach when you are coaching within your level of qualification,  at a Basketball England affiliated club, directly on behalf of the association, or on a freelance basis within your level of qualification.

Minimum coaching qualification levels expected as follows:

  • Level 1 within local leagues
  • Level 2 within national leagues
  • Level 3 at England or Great Britain level of the game

You are covered as an official/referee acting within your level of qualification, when you are officiating at a Basketball England affiliated club, directly on behalf of the association.

Personal accident insurance

As a coach or official, your membership benefits include personal accident insurance to provide you with a 'no fault' benefit in the event you are injured whilst taking part in your sport.

Details of your insurance benefits are:

  • Death - £25,000
  • Permanent loss of sight/hearing - £25,000
  • Permanent total disablement - £25,000
  • Coma benefit - £50 per full 24 hours up to a maximum 104 weeks
  • Hospitalisation - £50 per full 24 hours up to a maximum 104 weeks
  • Dental - up to £500
  • Optical - up to £500
  • Accidental medical expenses 
  • Broken bones - a breach in the structure of the bones, other than hairline fractures as a result of bodily injury following an accident (a) which necessitates treatment by plaster cast of one or more of the bones (i) arm (humerus, radius, ulna, carpals) £100; (ii) leg (femur, tibia, fibula, metatarsals, tarsals, patella) £200; (b) of the clavicle £200; (c) of the skull £200 
  • Special conditions applying to the broken bones benefit extension 
  • The maximum amount payable under this benefit is £500 any one insured person for any one accident 

Please note the membership personal accident insurance has specified benefits, does not include temporary total disablement, and is not an income protection insurance. 

Optional additional insurance is available direct from Howden as follows:  

Income protection

Are you worried about your income if you were injured or sick and unable to work?  Income protection is designed to replace or supplement your income in the event that you are unable to work. 

Insurance can be taken out to cover accidents/sickness and is intended to provide short term cover ranging from 12 to 24 months or up until retirement on long term accident and sickness cover, depending on the policy.  Common reasons for taking out income protection includes protecting mortgage or loan payments whilst ensuring you are able to maintain your lifestyle and can continue to financially support your family and loved ones. 

Let us help you find income protection insurance that is right for you.  Once we establish you are eligible for insurance cover, Howden Life & Health can tailor the policy cover to meet your individual needs.  For further information click here. 

Find out more about your cover

Need to report an incident?

Do you have an existing policy with Howden?

Please tell us what has happened. Someone from the Howden team will get back to you.

Are you, the person notifying the incident a member, club, coach or official?
Name
Address
Telephone number
What type of incident are you notifying?
Are there any witnesses to the incident?

What to do if you are experiencing financial difficulties

We recognise that the current economic conditions are putting pressure on many households and businesses. At Howden, we are committed to finding ways to assist our customers who may require additional support during these times.

If you’re currently facing financial difficulty, please speak to us about your insurance policies by:-

-contacting your Howden Service Team; 
-calling Howden on 020 7623 3806;
-using the Enquiry form.

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Get in touch

For any queries relating to your existing insurance cover telephone Howden on 0121 698 8150 or if it relates to new cover telephone 0121 698 8160.

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