Insurance Cover

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Central Insurance are Netball Scotland’s official insurance broker and is one of the largest independent insurance brokers in Scotland, with a wide range of Commercial and Personal clients. They can be reached by clicking this link www.central-group.com

They have specialist knowledge and expertise in a number of areas, including Sports Organisations and those involved in sport, and would be happy to advise on both Commercial and Personal insurance issues.

When you affiliate to Netball Scotland you will be covered by two types of insurance, personal accident insurance and group travel insurance. This covers all those who participates in any Netball Scotland event including coaches and umpires as well as players and volunteers. You can find a detailed outline of these policies by clicking on the links on the left hand side.

Central Insurance are authorised and regulated by the Financial Services Authority.

Personal Accident Insurance

Cover is provided for all registered members whilst participating in any recognised Netball event, any match, competition or trial, while engaging in official practising, training or coaching sessions organised by a club, country or representative body recognised by Netball Scotland, or whilst on the Business of Netball Scotland

Category A All Employees of Netball Scotland

Category B All Adult Members of Netball Scotland

Category C All Junior Members of Netball Scotland

	SCHEDULE OF BENEFITS	SUM INSURED (Each Insured Person)
		Categories A & B	Category C
1	Death	£50,000	£ 5,000
2	Permanent Total Loss of Sight of One Eye	£50,000	£50,000
3	Permanent Total Loss of Sight of Both Eyes	£50,000	£50,000
4	Loss of One or More Limb(s)	£50,000	£50,000
5	Permanent Total Loss of Speech	£50,000	£50,000
6	Permanent Total Loss of Hearing
	In One Ear In Both Ears	£12,500 £50,000	£12,500 £50,000
7	Permanent Total Disablement (other than loss of sight of one or both eyes or loss of limb(s), or loss of Speech and Hearing in one or both ears)	£50,000	£50,000
8	Temporary Total Disablement during such disablement but not beyond Nil weeks from the date on which the Insured Personal first became disabled and excluding the first Nil days of disablement each claim	Not Covered	Not Covered
9	Temporary Partial Disablement During such disablement but not beyond Nil weeks from the date on which the Insured Personal first became disabled and excluding the first of Nil days of disablement each claim.	Not Covered	Not Covered
	Maximum Sum Insured Any One Occurrence	£1,000,000	£1,000,000
	Maximum Sum Insured in respect of Items 1,3,4,5,6(b) & 7	£50,000	£50,000
	Maximum Sum Insured in respect of Item 2	£50,000	£50,000
	Maximum Sum Insured in respect of Item 6(a)	£12,000	£12,000
	Maximum Sum Insured in respect of Item 8	N/A	N/A
	Maximum Sum Insured in respect of Item 9	N/A	N/A

ADDITIONAL BENEFITS

Dental Expenses

If as a result of Accidental Bodily Injury emergency Dental treatment is required, Underwriters will pay up to £500 for each and every loss, this will include any necessary remedial treatment resultant from the accident. Cover under this extension is subject to an excess of £50 each and every loss.

Funeral Expenses

In the event of the death by accident of an Insured Person, Underwriters will pay to the Insured Person’s estate up to £2,500 for Funeral Expenses

Personal Effects

The Underwriters will reimburse an Insured Person up to £150 in respect of loss or damage to clothing and/or personal effects arising from a Bodily Injury claim

Group Travel Insurance

It is possible for any Club registered with Netball Scotland to take out travel insurance under the policy arranged for the organisation at extremely competitive terms and with cover specifically written for groups of people travelling to sporting events.

The premiums that would be charged are shown below;

SCHEDULE OF BENEFITS – PER INSURED PERSON
Section	Benefit	Sum Insured (per person in all)
1	Cancellation or Curtailment	Up to £7,500
2	Employee Replacement Expenses	Up to £7,500
3	Journey Continuation	Up to£1,000
4	Travel Delay	Up to £500
5	Medical and Repatriation	Up to £5,000,000
6	Hospital Benefit	Up to £2,500
7	Legal Expenses	Up to £25,000
8	Personal Baggage	Up to £5,000
	Single Article or Pair or Set of Articles Limit	£1,500
	Valuables Limit	£1,500
	Business Items Limit	£750
	Glasses/Sunglasses Limit	£250
	Money	Up to £1,000
9	Delayed Baggage	Up to £500
10	Hijack and Kidnap	Up to £15,000

Team Parties – Pricing structure

(Note – ipt = insurance premium tax @ 6%)

Destination
United Kingdom	£ 9.28 incl IPT per day up to a maximum of 12 persons in a travel party £ 0.53 incl IPT per day for each additional person in a travel party
Europe	£13.25 incl IPT per day up to a maximum of 12 persons in a travel party £ 0.74 incl IPT per day for each additional person in a travel party
Worldwide	£17.17 incl IPT per day up to a maximum of 12 persons in a travel party £ 0.95 incl IPT per day for each additional person in travel party
Administration Fee	£10.00 per travel arrangement

WHAT TO DO IN THE CASE OF A MEDICAL EMERGENCY

In the event of illness or Accident abroad, which may lead to Hospital treatment or Curtailment of your trip, contact:

ONE ASSIST - 24 House Emergency Service. Please quote the reference Sagicor

Telephone +44 (0) 203 003 6900 Fax: +44 (0) 203 003 6901

When contacting ONE Assist, please advise the following:

The telephone number from which you are calling,
Your Certificate Number WBT 20148 2008
The name and telephone number of the Doctor and Hospital attending to the Insured Person.

Failure to contact ONE Assist in the event of an Emergency may prejudice your claim.

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