New Company

Q. I am a new business, I do not know my turnover; what should I do?

A. We need an estimate of your turnover for the next 12 months. Our sports business quotes are based on turnover, therefore, it is important that we have an approximate figure. Our brackets are fairly wide, so if you are really not sure then a ball park figure will suffice.

Relevancy

Q. What of the questions do not apply to my business?

A. The form we use for sports businesses must apply to the wide range of different businesses we cover. As long as you answer the questions truthfully and provide us with as much information as possible, we will be able to get a tailored quote to you.

Change of Figures/Details

Q. What happens if I exceed the figure given for turnover or there has been a change in details from my original proposal forms?

Please advise us immediately should there be any changes to the material facts, i.e. those which our underwriters would regard as likely to influence their assessment or acceptance of the risk.

If you have any doubts as to what facts are significant, or wish to make any amendments to the policy then you should contact us immediately so that we can protect your interests. (0845 120 6410)

Employers Liability

Q. What is Employers Liability?

A. Employers Liability Compulsory Insurance is a legal requirement that protects a company against the financial consequences of claims made by an employee who has suffered injury, death or illness at work. When you take out a policy you will receive a certificate which must be displayed in an area where employees can easily read it.

Q. Are there any occasions where Employer’s Liability is not a legal requirement?

A. Yes it may not be required if it is a limited company where the owner is the sole employee, an unincorporated family business where all employees are closely related, or if the employees are bona fide sub-contractors. If you do employ bona fide sub contractors we would place a warranty on your policy. This would read as follows: It is a condition precedent to liability under this Contract of Insurance that all Third Parties engaged hold their own liability policies in force, covering the activities for which they have been engaged and with a minimum public liability limit of £2,000,000. It is the responsibility of the Insured to check that such cover is in force. If such employees do not have their own insurance, you will need to take out Employers Liability cover.

Injury to participants’ exclusion

Q. What is an injury to participants’ exclusion?

A. Due to the nature of the sports mentioned, the policy will exclude any injury to participants whilst they are taking part in the named sports. Therefore we will not cover any injury to participants by any means whilst they are taking part in that particular sport.

Participant to participant exclusion

Q. What does participant to participant exclusion mean?

A. The Contract of Insurance will not indemnify any Participant for damages or claimants costs and expenses in respect of Injury to any other Participant whilst taking part in the activity to which this Insurance applies. This is applied to all contact sports and means that a policy will not cover injuries between participants whist taking part in the contact sport.

Residency

Q. Can DareDirect cover businesses based in Southern Ireland?

A. No, we can only cover businesses in the United Kingdom and Northern Ireland

Sports Businesses not covered by DareDirect

Q. Are there any businesses that DareDirect are unable to cover?

A. Yes, we are unable to cover the following businesses:
Martial Arts, Motor Sport, Wrestling