Combined Liability Insurance

Combined Liability (Third Party Liability) Insurance provides protection for you if someone accuses you of being reponsible for an injury they have suffered, or damage to their property, and wants you to pay compensation. 

Cover is provided to all individually registered members of British Rowing and all British Rowing affiliated coaches. Coaches are also provided with Professional indemnity insurance in respect of the advice you provide as part of your coaching. Clubs are not covered as part of the British Rowing policy and must arrange insurance separately

Cover is for UK residents and operates worldwide, with a limit of up to £10million cover for any one claim. It applies for all training and competition, including:

  • Sliding and fixed seat rowing
  • Indoor "dry"rowing"
  • Cycling whilst training for rowing, including cycling to and from the boat house
  • Competitive cycling, when organised by British Rowing
  • Cycling on non-hazardous terrain, such as parks and open spaces.

There is no excess (nothing for you to pay towards the claim) but note that the policy does not include cover for any equipment that you own or is in your custody/control. 

NB. The policy does not provide cover for liabilities relating to motorised craft (such a coaching launches). These, like motor vehicles, should be insured separately. 

A copy of the full policy wording can be found here. 

Reporting Incidents

If you have caused an injury/damage or someone is accusing you of doing so, you should report the matter to Howden  at your earliest opportunity.

If you are injured yourself, you may be eligible to claim under the Personal Accident cover.