The standard policy includes £5,000,000 Public Liability, £1,000,000 Professional Indemnity, £500,000 Abuse Extension and £1,000,000 Products Liability. Cover also includes online classes and packed lunches for holiday clubs at no extra charge. If you need higher Public Liability cover, you can upgrade to £10,000,000 for £134.99 per year or £13.16 per month.

It is included as standard. £1,000,000 of Professional Indemnity cover comes with every instructor policy at no extra cost. This covers claims arising from advice or instruction you provide that results in injury or loss to a student or third party.

The Abuse Extension provides £500,000 of cover in the event of a claim relating to physical, sexual or emotional abuse. If you teach children or vulnerable adults, this is an important part of your cover. It is included as standard in every MADR instructor policy and does not need to be added or paid for separately.

Yes. Online classes are covered under the standard policy at no extra charge. You do not need to notify us or pay anything additional to teach via Zoom, video call or any other online platform.

Yes. Cover extends to holiday club settings including the provision of packed lunches, which some insurers exclude or treat as a separate risk. This is included as standard.

Unlike some providers who cap cover at a 1:16 instructor-to-student ratio, MADR does not impose a ratio restriction, up to 1:35.

The instructor to student ratio is 1:20 as standard. For children under 8 years old, the ratio must not exceed 1:10. If you operate larger classes, you must ensure sufficient qualified instructors are present to maintain these ratios. This ratio may be extended up to 1:35 without needing to contact us or the insurer, provided you have clear rational for doing so, and a well documented, thorough specific risk assessment that names the ratio, and explains how that risk has been managed.

MADR does not require association membership, NGB affiliation or grade verification. You are responsible for confirming that you meet the policy eligibility requirements before purchasing, but we do not check or restrict based on what association you belong to or what grade you hold. 

You are expected to be registered to an association – but this doesn’t have to be a national body or NGB.

Before purchasing you must hold a valid first aid certificate, a current enhanced DBS check, and a coaching or instructor qualification appropriate to your style and level. You must also have a complaints procedure available to students. You are responsible for confirming you meet these requirements. MADR does not verify them at point of purchase but they form part of your policy conditions.

No. Our monthly option is a genuine subscription, not a credit agreement. There is no deposit required, no interest charged and no credit check. You pay month to month and can cancel in line with the policy terms. The price is the same at renewal as it is on day one.

We do expect clubs to honour a 12 month period of cover. You can not cancel at any time.