England Handball Members

Protection for handball members

As a registered member of England Handball, you receive the benefit of Combined Liability and Personal Accident cover to protect you whilst participating in handball recognised activity.

Incidents happen. Your cover is there to protect you if something goes wrong as a result of your participation in handball.

Combined Liability insurance

Public Liability covers the cost of defending yourself against a claim if you are responsible for injury to someone else or damage to their property.

Cover is worldwide and provided up to a maximum of £10million (excluding claims brought in the USA or Canada). 

Personal Accident insurance

Personal Accident insurance provides payments directly to you if you are under 80 years old and are injured whilst taking part in a recognised handball activity anywhere in the world.

The cover is 'no fault' which means you will receive the appropriate payment regardless of the cause of the accident.

FAQs for Members

No, the EHA membership insurance protects you individually. Clubs have their own duty of care and need to arrange their own cover to protect their liabilities.

Yes, the EHA insurance will cover you whilst you are training for handball activities.

Yes, you will be covered under the personal accident insurance section, see PA summary.

Not under the liability insurance, as you can't claim for damage to your own property. You should arrange asset cover for your own equipment, which can be done by telephoning 0121 698 8160.

Yes, the combined liability cover is designed to cover injuries to other people, or damage to their property, caused by your negligence.

You may be able to claim benefits for your injuries under the personal accident cover, but your own liability insurance will not cover injuries to you or damage to your own property.

Yes, you are covered to take part in all club activities.

You only have cover for events organised by or approved by EHA or your club.

There are no extra conditions for the insurance cover provided for juniors or adults, both are protected in the same way. Personal accident insurance is not provided for members aged 80+.

This would depend on which rule has been breached and the circumstances of the particular incident.

No, your cover as an individual would remain valid, although this may invalidate any insurance that the club has arranged.

Yes, your EHA insurance will cover you while you are participating in handball related activities, provided your club is affiliated to EHA. However, you will need to take out travel insurance to cover potential third party claims, emergency medical expenses, loss of personal property etc. For a travel insurance quotation telephone 0121 698 8160. 

No. It is vital that you arrange travel insurance whenever you are going abroad. This will provide cover for your medical expenses if you are injured or taken ill, as well as covering lost and delayed baggage and cancellation costs.

No.

No. If you are out of the UK for more than 6 months, or if you are temporary resident in another country, the policy will no longer apply and you will need to arrange cover in the country where you are resident.

If you are injured, and you feel that it is someone else's fault, you should seek advice on how to pursue a claim against the person(s) responsible for causing the injury. However, you may be eligible to claim for your injuries under the EHA Personal Accident Policy. You should also make sure that you complete and incident report form for EHA.

If you are involved in an incident where you have injured someone else or caused damage to property, you should advise us as soon as possible.

To claim under the personal accident insurance, you should download a claim form and submit it to us with the necessary accompanying documentation.

The combined liability policy is in force to protect you from claims made against you by others. If you have an accident where you injure someone else or damage property, you should complete an incident report as soon as possible. If you have now received a letter of claim from the injured party, please submit that to Howden immediately, without replying.

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?
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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. We're always here to help

For any queries regarding insurance, speak to a helpful representative at Howden on 0121 698 8050.