Parents and Guardians FAQs


What is Sport, Recreation and Leisure Liability insurance?

Sport, Recreation and Leisure Liability Insurance provides for legal liability following negligence, nuisance or trespass. Unlike other liability insurances, it not only covers Public Liability, but also includes cover for the following, which are excluded from other providers standard covers:

  • Public & Products Liability - accidental bodily injury to third parties and / or damage to third party property arising out of declared Judo activities or goods sold or supplied
  • Member-to-member liability - the policy will protect one insured member if another member is injured and claims against them
  • Professional Indemnity – injury following coaching/Instruction, including incidental advice
  • Libel & Slander – liability following something your child might have said or written down (including defamation claims resulting from content on website forums, emails etc.)

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What is the limit of Indemnity?

In the event of a claim the limit of indemnity is the maximum the policy will pay. 

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Why is a £20m Public Liability limit of indemnity required?

Perkins Slade believe that £20,000,000, in regards to Public Liability, is the appropriate amount of cover to provide clubs and members with peace of mind in the event that an individual is held responsible for causing a catastrophic injury. Claims involving sports injuries have already exceeded £5m in recent years, with court awards escalating annually.

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Who/what is covered by the Sport, Recreation and Leisure Liability insurance?

The Sport, Recreation and Leisure Liability insurance is designed specifically to meet the needs of the British Judo Association, its clubs, licence holders and volunteers.

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Are non-members covered by the policy for "taster" sessions?

Individuals who may be interested in joining a club are insured for a maximum of 4 initial “taster” sessions.

For indemnity to apply it is essential that the club records their name, address and dates of attendance. These details must be retained as they may be called upon in the event of a claim.

The individual must be licensed by the British Judo Association from their 5th visit.

Failure to do so may mean that the insurance will be invalidated in the event of a claim.

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What significant exclusions or limitations apply?

  • Deliberate, dishonest or foreseeable acts (Please note if you act/operate outside of the BJA rules or intentionally cause injury to another you will not be protected by the insurance)
  • Abuse - the person accused of abuse / alleged to be the abuser. Claims arising from loss that happened prior to the retroactive date stated in the schedule, which would be the date that your continuous membership first commenced
  • Incidents / claims known to you but not reported to the insurers immediately
  • Risks that require more specific insurance, i.e. motor, marine 
  • Injury to any person employed (including volunteers) 
  • Loss of, or damage to, property in your custody or control 
  • Any legal action brought against the insured in a court of law within the United States of America or Canada, unless you are in USA or Canada representing BJA on a official trip 
    Fines, penalties or punitive damages 
  • Medical negligence.

Please refer to the policy wording for a full list of the exclusions.

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What is the age limit?

There is no age limit.

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What is meant by 'Claims Made'?

The Sport, Recreation and Leisure Liability policy is written on what is known as a “claims made” basis. This means that the policy provides cover for those claims reported during the period of insurance, rather than the policy that was in force at the time of the incident. 

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Does my cover include any Legal Expenses?

Yes but only for legal expenses for defence of civil actions.

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Are there any policy excesses?

There are no excesses.

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Does the policy cover non UK residents?

Insurance cover is only available to members who have a permanent UK address. Such members are covered for their Liabilities in terms of recognised activities in both the UK and overseas, provided that any overseas trip is officially recognised/authorised by BJA.

Any member permanently living abroad is not covered.

Please note this is not a Travel Insurance policy, cover for which can be obtained from www.ps-sports-quote.com.

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Does the policy cover my child for everything they do?

The policy covers them for activities that are recognised/authorised by the BJA, which broadly includes but is not limited to training, grading, competitions, Judo Fit, Gymnastics for Judo, Judo for self defence, club social events (as authorised by the BJA), club administration.

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Would my child be defended by the Sport, Recreation and Leisure Liability policy for causing an injury to another person/licence holder?

Yes, the Sport, Recreation and Leisure Liability cover would defend your child provided that:

  • The incident occurred during a recognised and authorised activity of the BJA
  • The incident is reported as soon as is practically possible.

If negligence is proven, the Sport, Recreation and Leisure Liability will pay the compensation awarded to the claimant including their costs.

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What do I do if my child is involved in an incident?

You should immediately report the incident to the relevant club/tournament official who will record all relevant information as defined in the Incident Recording Guidelines. It is the officials responsibility to report the incident, however should you wish to make a personal accident claim please click here.

We would remind you that in NO circumstances should you admit liability or agree to pay for any damage caused as this may prejudice the position of Insurers and COULD result in the withdrawal of any indemnity.

Please note that this is a Liability Policy where Insurers decide if negligence attaches to you. Therefore any payments you make to any third parties will not necessarily be reimbursed.

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If my child is injured, can he/she claim from the policy?

No if your child is injured, you should seek legal 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 BJA Personal Accident Policy.

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