INSURANCE COVER WITH JERSEY HOCKEY (“JHL”)
Below is a brief summary of the insurance cover provided for Jersey Hockey playing members.
With effect from 1stSeptember 2021 England Hockey (“EH”), as the governing body of our sport, has entered into an arrangement with their brokers, Marsh Sport (formerly Bluefin), to provide insurance cover to affiliated member clubs which includes: Personal Accident, Public Liability, Professional Indemnity, Directors & Officers, Employers Liability, Abuse Cover and Equipment Cover.
Travel Insurance and Property Insurance are not included in the EH Insurance cover however JHL has taken out separate insurance cover for Travel and for the Clubhouse and pitches at Les Quennevais.
The benefit of the EH scheme is that playing members are covered for personal accident when playing as part of a JHL team in the UK, British Isles and Europe although there is also cover under the separate Travel Insurance.
The devil is always in the detail of such policies and all claims will be fully reviewed by the insurance underwriters.
If you suffer an injury in Jersey, Guernsey or the UK there will be insurance payouts for broken bones, dentistry, optical issues, and other medical issues subject to the provision of medical certificates. There will also be a small amount of compensation up to a finite sum for stays in hospital.
You will however, be expected to take advantage of all free health care cover provided through Jersey Public Health or that provided in other territories. Private health cover is not included and if you are injured whilst playing you would be expected to seek treatment at local hospitals in Jersey, Guernsey and in the UK under the terms of public health cover in Jersey and the Reciprocal Health Agreements (“RHA”) with Guernsey and the UK.
Those RHA stop at the point of discharge and there is no cover under the RHA if you require help to an airport nor any type of flight home which requires specialist medical assistance. The Travel Insurance should help with this.
Full details of what is covered by the EH policies go to the England Hockey Insurance Zone HERE
The FAQs are very helpful.
If you are an individual selected by an England Hockey age group representative side, then that team should have cover under the EH scheme. Make sure you check with the relevant organiser.
Travel Insurance
As mentioned above JHL has taken out specific travel insurance and, whilst the RHA do not cover repatriation from hospital treatment when out of the Island, the Travel insurance should. You would still be expected to seek any medical attention under the terms of the RHA as private medical cover is not included but, as mentioned above, there is a compensation scheme under the general insurance policy. If you have your own private health insurance the JHL insurers may require you to make a claim through them first.
However, currently Covid reasons are outside the scope of such cover.
In the event of anyone requiring medical treatment when out of the Island an authorised member of the travelling party should contact the Emergency Medical Assistance Number of the insurer Aviva on:
AVIVA
01243 621066
and quote the policy number: 100747973GPA
This should be done by someone not involved with securing local assistance for the injured person!
In the event of lost luggage or delays to flights or cancellation of a match or flight, it is worth calling the Non Emergency number at Aviva to put them on notice.
AVIVA - 0800 051 6583 or 01243 621416
and quote the policy number: 100747973GPA
On returning to Jersey please contact Ian Cuming (priam.cuming@hotmail.com) who will contact the broker for assistance. Please note that Ian is NOT an insurance expert or adviser but simply the current JHL liaison with the insurers.
Keep all receipts and any other useful documents.
CANCELLATION OF TRIPS AND TRAVEL DELAYS
The provisions regarding cancellation and delays are difficult to negotiate and deal with. If BEFORE you travel the opposition calls off a match, it is better not to travel if that is the sole purpose of your travel. In such circumstances make sure that you have an e-mail or similar from the opposition with their decision. In such circumstances we should be able to claim the cost of unused travel. Otherwise if you were to travel but not play, then “used” travel could not be refunded. There is potential however to claim for “delayed” travel of over 4 hours.
JERSEY HOCKEY ACCIDENT REPORT FORM
Click here to see Jersey Hockey's Accident Report Form. This form should be completed by a team's captain or manager or coach for any member, player, coach or umpire who gets injured whilst attending hockey coaching or matches. This form should be submitted to the Jersey Hockey Administrator either by emailing the form to contact@jerseyhockey.co.uk or by sending to The Moorings, La Marquanderie Hill, St Brelade, Jersey, JE3 8EP.
If you have any queries on insurance or on the accident report form please email contact@jerseyhockey.co.uk
Please note that the above commentary is based upon our current understanding of the policy documents and does not guarantee any compensation. All claims will be subject to the decisions of the insurance providers.
