Insurance Info

This section of the website is to convey information about various Insurance issues.

All members are covered in training (in organised club sessions) by the Triathlon Ireland public liability insurance. Racing members (full, student, and junior) are covered for racing. Please note that associate members are not covered for racing, and have to pay a one-day license fee.

All Triathlon Ireland members who make any insurance claims are liable to pay the excess applicable to the claim being made. The excess is currently €500 and Triathlon Ireland will contribute to the first €250.  For full details of the Terms & Conditions, please send an email to administrator@triathlonireland.com

Cycle insurance

We have arranged on opportunity for members only to purchase Triathlon specific bike insurance policy, at a very competitive price. Often people insure cycles on their house insurance, leaving themselves exposed. Most house insurance policies won't cover you for damage incurred racing, or theft in transition, and most will not count your race wheels and bike as separate items when any single item limits apply. This product offering includes:

• Damage to cycles when competing or training;
• Theft cover (including theft from a secure transition area);
• Damage to cycles anywhere in Europe;
• Tailored premiums to suit requirements:
• A tailored premium package to suit your requirements.

   

  	For more details please visit the ODON website. Select 'individual', then 'Triathlon', press 'Continue'. Then select the value of your cycle and then press continue.

A number of questions have been raised about the insurance, we documented these in the FAQ below.

TI Insurance Questions

1. What exactly is covered by the third party insurance?

   1. Cover for club training:

      Cover for club training sessions is as per the standard Triathlon Ireland cover and includes Public Liability, Professional Indemnity and Personal Accident Insurance.
      
      Public Liability insurance covers members who are found to be negligent in their duty to participants and spectators of sports and as a result cause personal or property damage.
      
      Today it is recognised that the term "professional" can be applied to many participants who exist beyond the traditional professions. Increased social awareness of an individual's rights and the remedy they might seek has created an era of litigation previously unseen, where anybody providing a service or advice may one day face a claim.
      
      Sportscover's Professional Indemnity policy can provide coverage for club or association coaches and officials who may find themselves in this situation.

    

   1. What constitutes a club training session (should we get clubs to register their training sessions)?

      Training is deemed to be official organised training only. A record should be kept by individual clubs of their organised training sessions, should this information be required in the event of a claim.

    

   1. How should clubs deal with new members who are just trying out a session (sign on sheet)?

      Guests are automatically covered under the liability sections of the policy. A register should be kept of all participating guests. Please use the guest sign on sheet in the download section - click here.

    

   1. What cover is provided if clubs regularly train with other clubs e.g. a cycling club?

      All registered members are automatically indemnified under the existing policies of TI (see 1 above). Please note that this should be an organised club session.

    

   1. What are the consequences of someone training regularly with a club, but not joining Triathlon Ireland, if a loss event occurs?

      No cover operates for that individual whether it is injury to a third party or themselves. They are personally responsible for any losses incurred. Cover only operates for registered members of TI.

1. What other cover is provided under the policy?

   The Triathlon Ireland policy automatically includes Personal Accident insurance for registered members for an amount up to 25,000 Euro in the event of death or permanent total disablement following an accident and/or injury during training and/or participation in a TI sanctioned event within Ireland or the UK. Training is deemed to be official organised training only and travelling is only covered whilst as a member of an organised party travelling under the direction of TI and specifically excludes travel by motorcycle.

1. What other cover can we purchase?

   Members of Triathlon Ireland have the opportunity to purchase Top Up Personal Accident insurance to give them additional benefits in the event of an injury sustained whilst training or participating in a TI sanctioned events as follows:
   
   

   Silver Top Up

   • Death Up to 65,000
   • Permanent Total Disablement Up to 65,000
   • Temporary Total Disablement Up to 250 per week (2 week excess)
   • Medical Expenses Up to2,500 (100 excess)
   • Premium 60

    

   Gold Top Up

   • Death Up to 100,000
   • Permanent Total Disablement Up to 100,000<
   • Temporary Total Disablement Up to 500 per week (2 week excess)

      

   • Medical Expenses Up to 3,500 (100 excess)

      

   • Premium 8