Insurance Cover & Legal Advice

Insurance Cover & Legal Advice

You will find information here about the insurance arranged by afPE to protect you whilst you are taking part in the delivering or supporting of physical education in schools and in the wider community.

The cover provided through afPE, supplements and, in most cases, may well enhance any cover held through schools or Local Authorities.

Most Public Liability policies do not provide any cover for Professional Indemnity – Injury resulting from coaching/instruction - which is included with the afPE cover as standard.

Your comprehensive cover includes:

• Civil Liability insurance - Protects all afPE members if they are held responsible for causing an injury to someone else or damage to someone's property
• Personal Accident insurance - Provides benefits to afPE members if they are injured whilst undertaking the recognised/authorised activities of the association
• Legal Helpline - Gives all members access to a free confidential 24 hour a day legal helpline to advise on a number of issues such as personal and commercial legal advice

To find out more about your cover read our FAQs or contact Perkins Slade on 0121 698 8052.

2011/12 Insurance Options

The insurance options for afPE members are as follows:

• Option 1 - Premium included in the membership fee for Full & Honoured Members.

If you wish to take out insurance under this option, please contact the Worcester office for the relevant self assessment forms.

• Option 2 - Premium £55

Members working for a single agency but who also undertake some additional freelance work up to the value of £3,000 total income per year.

• Option 3 - Premiums (see below)

Members working on a totally freelance basis, such as consultants, with turnover of:
Up to £50,000 - Premium £95 (Option 3a)
Between £50,001 and £99,999 - Premium £320 (Option 3b)
Between £100,000 and £149,999 - Premium £355 (Option 3c)

Civil Liability Insurance

All individuals who take part in sport and recreation, either through coaching, teaching, participation, education (including consultancy work) or administration have a Duty of Care to ensure they do not cause personal injury, financial loss, or damage to property.

If their actions do cause injury, loss or damage and “negligence” can be proved, they become legally liable to pay compensation.

Civil Liability is the generic title for a single insurance policy that embraces the following classes of liability insurance:

Public Liability - £10,000,000 any one occurrence
Professional indemnity - £10,000,000 any one occurrence
Libel and slander - £10,000,000 any one occurrence

Personal Accident Benefits

All registered members of afPE automatically receive personal accident benefits if they are injured whilst participating in authorised and recognised activities of afPE.

Cover provides ‘non-fault’ compensation for members up to the age of 80 years. To view the table of benefits please see the Personal Accident FAQs.

Legal Helpline

All members receive access to a 24 hour a day legal helpline to provide free, confidential, legal advice over the phone on any commercial or personal legal problem.

The helpline number: 0117 934 2108.

Please note:

• For details of the Insurance providers, policy numbers and wordings please contact Perkins Slade on 0121 698 8052.
• The cover detailed on this web site should not be regarded as the full extent of the policy cover provided, nor the exclusions applicable to it.
• A full policy wording is available on request.

Physiocare - Physiotherapy Sessions at Reduced Rates

In connection with Perkins Slade (afPE’s Insurance Brokers), afPE is delighted to announce a new package that will enable afPE members the opportunity to purchase physiotherapy sessions at significantly reduced rates.

Anyone who participates in a sport accepts there is a risk of sustaining an injury which may affect their health and fitness. If the injury also prevents the person from going to work this could lead to loss of wages and the increased financial burden of physiotherapy costs.

The PhysioCare package provides fast access to professionals who will accurately diagnose and effectively treat your injury. Early intervention improves the chances of a full and safe recovery and reduces the chance of recurrence.

Key features include:

• Over £1,000 of treatment per year
• Treatment available only a short distance from your home or work

For more information or for a quotation please visit: www.ps-sports-physiocare.com

N.B. In order to qualify for reduced rates, please ensure you add ‘Association for Physical Education’ to the Club/Association field when completing your quote.

Additional Insurance Options from Perkins Slade

Perkins Slade also offer other forms of insurance cover, such as:

• Sports Travel Insurance
• Sports Equipment Insurance
• Sports Accident Insurance

Click HERE to download a flyer. For a no obligation quotation visit: www.ps-sports-quote.com or call 0845 260 1574.

afPE is an Introducer Appointed Representative of Perkins Slade Ltd, 3 Broadway, Broad Street, Birmingham, B15 1BQ which is authorised and regulated by the Financial Services Authority. Perkins Slade FSA Register Number is 30288. You can check this on the FSA's Register by visiting the FSA's website www.fsa.gov.uk/register/ or by contacting the FSA on 0845 606 1234.