BTC Insurance Policy V5.0 Page 2 of 7 Dec 2023 1. INTRODUCTION 1.1. This document provides a brief summary for the information of BTC Member Organisations, BTC Registered Instructors, BTC insured members and their parents/carers. 1.2. The rights and terms of the benefits are determined by the particular insurance policies currently in place. Cover may be amended from time to time, subject to changes by our insurance provider, or if our insurance provider changes. 1.3. In the event of any discrepancy, please refer to the BTC website for full details of the prevailing policies and provider. 2. WHY WE NEED INSURANCE 2.1. Unfortunately, accidents happen. 2.2. Insurance is required for the benefit of everyone involved in Taekwondo, club members, instructors, coaches, organisations, officers and directors.. 3. WHY BTC? 3.1. The BTC, as the National Governing Body for Taekwondo in the UK, acting on behalf of its’ total membership, is in a stronger position to negotiate an effective economic insurance package. 3.2. The Governing Body membership scheme which includes free insurance cover for practitioners can offer competitive costs and benefits for Member Organisations and instructors. 3.3. It is the responsibility of the BTC to negotiate the best cover for its’ members, and to inform all Member Organisations of any changes in legislation or incidents and decisions that may have an impact on their activities and practices. All BTC Registered Instructors will be given guidance on all how to avoid/report incidents, which could affect safety in their activities. 4. INSURANCE COVER 4.1. Personal Accident Insurance 4.1.1. When new members join a class, instructors should make reference to the ‘New Starter Checklist’ to advise participants and parents/carers of their responsibilities and make an initial risk assessment (see Appendix C). This Checklist may be downloaded from the BTC website. 4.1.2. Whilst injuries in Taekwondo are not quite as commonplace as in other contact sports, these can at times be so serious as to dramatically affect the injured party or even result in death. The natural reaction in such cases is to seek compensation. 4.1.3. To provide immediate compensation, the BTC have personal accident insurance in respect of all their members. This should ensure that in the event of death, a sum is available to members’ direct dependents. Where permanent total disablement, such as loss of eye, limb or total inability to pursue an occupation occurs, higher compensation is called for.
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