Members’ Personal Accident Cover

Players who hold a valid paying membership, coaches with a valid Licence, and registered volunteers are given access to our Personal Accident Cover.

Players who hold a valid paying membership with Table Tennis England (Player Member or Player Licence), coaches with a valid Coach Licence, and registered Table Tennis England volunteers are given access to our Personal Accident Cover.

The policy provides Personal Accident benefits whilst playing table tennis including direct travel to and from venues.

The significant benefits include:

  1. Death – £50,000
  2. Loss of Limb and/or Loss of Sight – £50,000
  3. Permanent Total Disablement – £50,000
  4. Loss of One Eye or one limb – £12,500
  5. Temporary Total Disablement – £ 200 per week
  6. Temporary Partial Disablement- £ 50 per week
  7. Physiotherapy / Chiropractic – up to £300 per session
  8. Medical Expenses £ 500 (£50 Excess)
  9. Emergency Dental Treatment – £ 500 (£50 Excess)
  10. Broken Bones – £ 1,000 (£50 Excess)

a. Maximum Indemnity: 52 weeks
b. Deferment Period: 14 days
c. Benefits are reduced by 50% for all persons over 80
d. Death Benefit is reduced to £ 10,000 for persons under 16

 

Frequently Asked Questions

The questions below are intended as a guide for Table Tennis England members only. Should you be in any doubt or require any further clarification then please contact Towergrate Insurance who will be pleased to assist.

What is the difference between Personal Accident and Liability Cover?

Briefly, Personal Accident insures members for their own injuries, whereas liability insures members for claims made against them for injuries that they may have caused to others. With liability, it is up to the injured person to prove that the liability exists, whereas personal accident cover does not require this.

What is the definition of an Accident?

“Accident” means a sudden, unexpected, unusual and specific event, which occurs at a definable time and place which results in a bodily injury. This does not include sickness or illnesses.

Who is covered by the Table Tennis England Personal Accident Cover?

All player members of Table Tennis England are included, as well as licensed coaches, “authorised volunteers” and officials (the cover does not apply to associate members).

When does the cover operate?

The policy only covers the activity of table tennis, including playing, training, coaching and officiating at events, including travelling to and from the venue.

What are the Capital Benefits?

These are single lump sum amounts paid by the policy for one-off, serious accidents, such as death or permanent disability.

What are the Weekly Benefits?

These are weekly amounts paid for compensation of loss of income as a result of a member being unable to perform their usual occupation as a result of an accident.

What is the excess period for temporary benefits?

The excess period is 14 days , which is the initial period before any temporary benefit is paid.

What is the maximum time allowed for temporary benefits (loss of income)?

The maximum indemnity provided is 52 weeks

Are there any limitations for the Physiotherpay / Chiropractic (and Dental) benefits?

Briefly, this cover operates as a result of an accident and only covers amounts which are not covered by the public health system such as the NHS.

Are volunteers covered by Personal Accident Cover?

Volunteers who operate in a league or club environment are covered, providing they have a valid Table Tennis England membership (including free Associate Membership) and have a volunteer role assigned to their membership account by a club, league or county administrator.

For further information please contact Table Tennis England.

What are the main exclusions?

The policy does not cover suicide, taking part in other sports or activities, war, terrorism, failure to take medical advice, AIDS, radioactive contamination, sexually transmitted disease or childbirth. Furthermore, the policy does not cover sickness or disease or mental disorder of any kind.

Are pre-existing injuries or infirmities covered by the policy?

No, the policy does not cover any pre-existing injuries or gradual bodily deterioration.

What are the procedures to make a claim?

Claimants or their representatives must contact Towergate Insurance on 01926 439439 (email: etta@towergate.co.uk) within 30 days (or as soon as practicably possible thereafter)

Terms and Conditions

A full copy of the policy terms and conditions is available upon request from etta@towergate.co.uk

Claims documentation

The claims documentation is restricted to Table Tennis England members only. In order to access the insurance documentation, please log-in to your membership account

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