Club North - Insurance Policy

• What is Club North insurance?
  For 2022, all active Club North Members will receive personal accident and equipment cover as standard. No other watersports club of our kind in the world offers this Membership perk. So whether you're on a kiting trip with friends, at your regular weekend spot, or picking up a new water sport, Club North has you covered.
  
  Included in your Club North Membership, among other benefits, is on-water insurance to help you in the event of an accident or crash and equipment insurance which covers the repair or replacement of your water sports equipment if it is lost or damaged by an airline. The policy also covers hiring equivalent equipment if it is delayed or arrives damaged beyond repair.
  
  How long is the Club North insurance cover?
  You're covered the whole time your Membership is active; from the minute you sign up! As a perk, insurance benefits are subject to change; however, we will notify you if we update any benefits.
  
  How can I make a claim?
  To make a claim, click here.
  
  What does the policy cover?
  
  Personal Accident Insurance
  
  Our Membership protects you out on the water. Club Membership includes personal accident insurance for on-water activities. Amongst other benefits, it pays out for fractures and dislocations. It doesn't stop there seeing as we want you back on the water as soon as possible. Club Membership also covers physio and dental fees to help you recover should an injury occur.
  
  Benefits & Amount Insured:
  
  Accidental Death                       
  £10,000
  
  Permanent Total Loss of Sight of One Eye  
  £10,000
  
  Permanent Total Loss of Sight of Both Eyes                  
  £10,000
  
  Loss of One or More Limb(s)                              
  £10,000

  
  
  Permanent Total Loss of Speech           
  £10,000
  
  Permanent Total Loss of Hearing
  (a) In One Ear             £2,500
  (b) In Both Ears          £10,000
  
  Permanent Total Disablement                    
  £10,000
  
  Fractures and Dislocation
  Up to £5,000
  
  Facial Scarring
  Up to £1,150

  
  
  Optical Injury                                           
  Up to £150

  
  
  Physiotherapy Fees                                             
  Up to £1,000

  
  
  Dental Fees                                              
  Up to £1,000

  
  
  Coma Benefit                                           
  £50 per day, maximum limit of 30 days
  
  Equipment Insurance
  Club membership also covers you when traveling abroad with your equipment. Membership covers the repair or replacement of your water sports equipment if it is lost or damaged by an airline. The policy even covers hiring equivalent equipment if it is delayed or arrives damaged beyond repair.
  
  Benefits & Amount Insured:
  
  Water Sports Equipment in Transit                                 
  Up to £2,500
  
  Water Sports Equipment Hire                                          
  £100 per day, maximum limit of 3 days
  
  No other club in the world offers these benefits as a standard, so we've got you covered whether you're just starting or have been on the water for most of your life.
  
  The above covers can top up or replace any existing cover you already have to ensure your premium insurance is not impacted.
  
  What is not included in the policy?
  The best thing is to check the full policy wording, terms and conditions, and schedule,
  please see here.
  
  Find out more about the benefits of being a Club North member here.