FAQs for Rowers

A comprehensive list of frequently asked questions are listed below.  

If you have a query not covered by the list below please contact Perkins Slade by email or call 0121 698 8156.


If I have no club detailed on my membership do I still have insurance?

Yes, the cover is provided to you as an individual member of British Rowing.

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Does British Rowing membership insurance replace club insurance?

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

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Does my insurance cover land training activities?

Yes, the BR insurance will cover you whilst you are training on land, including:

  • Indoor "dry" rowing
  • Land based strength and conditioning training
  • Cycling whilst training for rowing (including cycling to and from the boat house).

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Does my insurance include coastal rowing?

Yes.

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If I have an accident towing the club trailer will my insurance cover any personal injury in a road accident?

No, liability resulting from a road accident should be covered under you motor insurance, including towing. We recommend that you check with your motor insurer.

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If I am injured in a road accident whilst travelling to a rowing event will I be covered?

Yes, you will be covered under the personal accident insurance section, for the specific benefits provided.

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Is damage to my own boat covered?

Not under the liability insurance, as you can't claim for damage to your own property. You should arrange asset cover for your boats and equipment, which can be done via Lovat Insurance Brokers.

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Does my insurance cover damage to another boat or individual in an incident caused by me?

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

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If I am injured or my boat is damaged by another person with no insurance will my insurance cover this?

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.

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Am I covered for sponsored rows at the club and away from the club?

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

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Do I have liability/personal accident cover when I'm rowing in a private regatta?

You only have cover for events organised by or approved by British Rowing.

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Is my insurance cover dependent upon the type of boat I'm in?

No, cover also applies to any type of rowing boat, including fixed seat. It does not apply to other types of boat, e.g. canoes or sailing boats.

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Am I covered if I am driving a motor powered launch?

Any motor powered launch should be covered by specific marine insurance, which can be arranged by Lovat Insurance Brokers. The combined liability policy provides a contingent cover for when you are driving the launch in connection with a rowing activity, which will protect you if a claim is made against you. You are not covered if you are driving a launch for any non-rowing purpose.

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Do juniors and adults have the same cover? Are there extra conditions for insurance for juniors?

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+.

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If I use a club boat without permission and I have an accident in which the boat is damaged or a third party's boat is damaged is this covered by my insurance?

No. The club could potentially sue you for the cost of the damage to the club boat, as could the third party, but the British Rowing insurance would not proivde cover as this could be considered a criminal act.

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If I have an incident when in breach of a club rule, is my insurance cover still valid?

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

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My club hasn't paid their affiliation fees or completed their water safety audit. Does this affect my insurance cover?

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

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Am I insured when I boat on my own?

Yes, but you are responsible and you must always ensure that you know about risk assessment and take action to mitigate any risks to yourself and others.

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I had an accident when the red boards were out. Does my insurance still cover this?

Your insurance could be invalidated if you have acted recklessly, but it would depend on the particular circumstances of the incident. It is important that you have carried out a risk assessment, in particular understanding and taking account of advice from your club and heeding the information provided by the local navigation authority, before commencing any activity. If in doubt, do not row.

Your insurance could be invalidated if you have acted recklessly, but it would depend on the particular circumstances of the incident. It is important that you have carried out a risk assessment, in particular understanding and taking account of advice from your club and heeding the information provided by the local navigation authority, before commencing any activity. If in doubt, do not row.

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Is there any change of circumstance for which I need to provide notification and where failure to do so may affect my insurance cover?

As an individual member, you should keep British Rowing appraised of changes to your circumstances. As a coach, if there is a change in your circumstances that could affect your judgement or ability to coach (such as a medical condition) you should make British Rowing aware. Carrying out any activity against medical advice could result in your cover being invalidated.

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I've just renewed my membership, when does my insurance begin?

Insurance cover commences on the date that payment for your membership renewal is received by British Rowing. Insurance cover will cease immediately on the expiry date of your membership.

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I'm going on a club training camp overseas. Does my insurance cover my rowing activities and travel to and from the venue?

Yes, your British Rowing insurance will cover you while you are rowing, provided your club is affiliated to British Rowing. 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 click here.

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Does my British Rowing membership negate the need for travel insurance?

No. It is vital that you arange 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.

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I'm competing in an event (in the UK or abroad) that is not connected with my club in any way. Will my insurance cover this?

Yes, your membership provides insurance cover for you as an individual, provided that the event is recognised by British Rowing. This would include events recognised by FISA, but if in any doubt check with British Rowing.

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Does my British Rowing insurance cover in Europe differ from the rest of the world?

No

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I have current British Rowing membership and am going on a gap year to Australia. Will my insurance cover still be valid?

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.

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If I am injured in a rowing accident what should I do?

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 British Rowing Personal Accident Policy. You should also make sure that you complete and incident report form for British Rowing.

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Who can submit an incident report?

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.

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I had an accident 6 months ago but did not submit an incident report and would like to make a claim. What action should I take?

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 Perkins Slade immediately, without replying.

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As a member of British Rowing, what are the implications if I take part in a competition organised by another association (such as Welsh Rowing)?

Members and officials of British Rowing are insured to take part in competitions run under the rules of another national rowing association.

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