Freelance Instructors Insurance Policy Features and Benefits
You can find out the real benefits of taking out our Freelance Instructor Policy
Premiums start from as little as £193
Our premiums for Freelance Instructors start from as little as £193 which we believe represents excellent value for your peace of mind.
Multi Activity Cover
Why would you take out several insurance policies to cover all of your different activities ?
Instead of having various insurance policies for different activities, We can offer you one policy for all your activities.
£2,000,000 or £5,000,000 indemnity limit
We will give you a choice so you’re not limited. Our flexible approach means you can choose the right indemnity limit and premium for you.
Claims Occurred and Claims Made cover
Are you covered if a claim arises after your existing policy expires ?
We offer a ‘claims occurred’ policy that will ensure you are covered irrespective of whether the policy is in force at the time of the claim.
To fully understand the benefits of our ‘Claims Occurred’ policy cover please read the following two types of policies that insurance companies may offer:
1. What is a ‘claims made’ policy ?
If you have a ‘claims made’ policy and a claim was not notified before the insurance expiry date you will not be covered. Therefore with a ‘claims made’ policy it must be in force at both the time of the incident and the time of the claim.
Some of our competitors offer this type of policy, however we do not. This is since this may leave you in a difficult situation with a claim being made against you and you having no cover.
2. What is a ‘claims occurred’ policy ?
We provide a policy, which is on a ‘claims occurring’ basis. This means that any claims that occur during the period of insurance you will be covered with us. This is irrespective of whether the policy is in force at the time of the claim. Therefore you can have peace of mind and insurance that you can trust to cover you if a claim is made.
Why is it important to have a ‘claims occurring’ policy ?
It is important simply because legislation states that an injured adult has 3 years to make a claim and a minor has until the age of 18.
We can help you cancel your ‘claims made’ policy
If you decide to move your policy you need to minimize the risk by notifying the Insurer of all incidents, which may give rise to a claim prior to moving. To help you we have prepared the following guidelines should you wish to cancel your existing ‘claims made’ policy.
However remember that we can now also offer you Retrospective cover for the period you were previously on a claims made basis.
Retrospective Cover
Furthermore, we can now also offer you Retrospective cover for the period you were previously on a claims made basis.
Policy Documents
A list of all our documents in pdf format in order to view, you require Adobe Acrobat reader, which can be downloaded here
