Personal Accident Insurance

Provides a 'no fault” benefit to IOS members arising from death, permanent total disablement injury and temporary total disablement from your usual occupation for injury sustained whilst taking part in IOS recognised Teaching and Coaching Activity.

The benefit is available to all paid up registered members of Institute of Swimming resident in the UK or Eire and between the ages of 16 and 80 years

The cover applies:

  • On a worldwide basis as long as the teaching and coaching activity outside the UK and Eire is only a temporary visit.  (less than 6 months).
  • If an insured person suffers accidental bodily injury which, within two years, is the sole cause of death, disablement or incurring of medical expenses in accordance with the terms and conditions of the Policy


1 Death £5,000
2 Loss of two or more Limbs or both eyes or one of each £50,000
3 Loss of one limb or eye £50,000
4 Permanent Total Disablement from any gainful occupation £50,000
5 Temporary total disablement from the Insured Person’s usual occupation payable for a maximum of 104 weeks, or the period of the insured person’s contract period with their employer at the time of the accident (whichever is the lesser). (Benefit 5 is not payable for the first 14 days of disablement in respect of any one accident or for any Insured Person not in regular gainful employment). £50 per week*
In respect of any Insured Person 70-75, cover is restricted to benefits 1, 2, and 3 only.  In respect of any Insured Person aged 76-80, cover is restricted to benefit 1 only.  There is no cover for persons aged over 80
Aircraft accumulation limit £1,000,000 in multi-engined aircraft £250,000 in all other aircraft

Main exceptions: Flying, other than as a passenger; Illness, Disease & HIV; Suicide; War Risks or the Insured Person undertaking sport against medical advice

Important links:

Liability Insurance
Personal Accident
Loss of Revenue
Legal Expenses
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