BTC Insurance Policy V5.0 Page 3 of 7 Dec 2023 4.1.4. To qualify for any of these benefits, students or parents/carers must submit an insurance claim form to the BTC Insurers within 21 days of the accident and you must have been absent from employment or studies for a period of more than 2 weeks and proof of absence and loss of earnings will need to be supported by official paperwork, i.e. medical certificates. The cover is for 52 weeks, excluding the first 2 weeks. 4.1.5. Weekly benefits to assist, but not replace, loss of wages is also insured, although this particular benefit only applies to people in salaried employment. The BTC considers this fact relative to the ages and employment conditions of their membership and to this end a small degree of assistance is given to students and junior members. 4.1.6. BTC Insurance and Policy details can be found on the BTC website. 4.2. Liability Insurance 4.2.1. Injury to a third party or damage to property of others may result in a claim for damages. Such claims and their associated expenses, should the case go to court, can be very costly. In the absence of adequate Liability Insurance, members will find themselves financially responsible for any damages and costs awarded, to this end included in the membership insurance of the BTC is a Third Party Liability Insurance for all its’ members. 4.2.2. BTC Insurance and Policy details can be found on the BTC website. 4.3. Members’ Professional Indemnity 4.3.1. A Taekwondo student, regardless of grade, may be requested to assist the instructor and assist junior grades within a lesson. In the event of an emergency, ie an instructor takes ill during a lesson, or is called away, a senior student appointed by the instructor can continue with the lesson. In order to reassure all parties concerned, the BTC has included indemnity cover in the member insurance. This cover is not valid for any prearranged sessions, ie instructors’ holidays. BTC now provide a separate insurance policy to cover this situation, details of which can be found in the Temporary Insurance Cover application form on the BTC website. It is important to note that this application must be made at least 21 days prior to the holiday period and the substitute instructor must hold an Enhanced DBS and have undertaken a BTC Basic Safeguarding Awareness Course within the last three years. 4.4. Instructor/Coach Indemnity 4.4.1. It is right to expect that instructors and coaches in Taekwondo, holding the required National Governing Body accreditation, should be able to rely upon insurance protection under the policies arranged by the NGB, but special care and attention needs to be paid to this aspect. 4.4.2. Coaching involves giving professional advice, it requires medical, scientific or technical knowledge and can, due to neglect, errors or omissions in advice, training techniques or treatment, lead to accusations that injuries have developed gradually over a period of time as well as a single incident. As an instructor it is necessary, at all times, to recognise their areas of expertise, limitations of knowledge or experience, and act with due diligence to avoid causing damage or injury and being found negligent.
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