We provide immediate confirmation of ‘on-risk’ status (on-risk means the insurance is live). This is because our system allows you to automatically set up membership with #MADR (us) through which the insurance is accessed. Our Group Cover Policy always has allocations ready and waiting, so you can covered immediately.

Yes, and it doesn’t cost anything extra.

There are some key conditions that you must be able to meet;

1. at the commencement of the session, advise participants:

   1. that by participating they are doing so at their own risk;
   2. a suitable, non-slip floor space is required and any potential obstructions in the vicinity are removed before they participate;
   3. to avoid activities if they have, or suspect they may have any current health concerns, injuries, aches and pains;
   4. avoid the use of blades, weapons or sharp instruments of any description;
   5. avoid physical contact with other participants and where appropriate, adhere to social distancing guidelines;

2. ensure that sessions are conducted for the benefit of existing members/participants/contacts only who have demonstrated sufficient suitability to participate;

3. continue to only instruct activities in which you are qualified to do so;

4. record the session. Retaining the recording for a period of up to thirty-six (36) months may assist in any claim made against you;

No, you don’t. Our Group Cover Policy doesn’t require this because we are not a sanctioning body or governing body. Just because we don’t check you have the relevant grades or qualifications in place it is really, really important you are completely honest throughout your application and that you are able to demonstrate compliance with all of the policy requirements (see below) to ensure your claim is paid if you need to.

We know. Always a little ‘too good to be true’ when you find comprehensive cover available at competitive pricing. We’re a social enterprise, which means we invest all of our profits back into the UK Martial Arts sector through our various organisations. This helps us focus on keeping costs down, as we see #MartialArtsDoneRight as an essential part of our plan in ensuring key provisions are available to everyone.

Learn more.

All of our cover is underwritten by XL Catlin via our specialist group cover policy. You can (and definitely should) read the policy wording in full below. Please remember that this document relates to our entire #MartialArtsDoneRight group cover policy which covers many different aspects of cover. Not all of this will be applicable to the cover you take out when you enrol with us, so please check the relevant sections within the policy wording.

Click here to view the insurer’s policy wording. 

As you will have read already, we are not an insurer, nor are we an association. In the insurance sector (and indeed the entire finance sector) the industry regulator, the FCA (Financial Conduct Authority) overseas all insurers and insurance intermediaries (brokers and the likes).

We felt that setting up as an appointed representative would restrict our ability to flex and move to the industry’s needs so instead we’ve set up a Group Cover Policy. This works in exactly the same set up to that of many National Governing Bodies (NGBs) and Associations.

We are the policy holder, and allocate cover to ‘members’ as and when they enrol onto our membership programme. Just to be clear – membership is to the #MartialArtsDoneRight initiative / scheme and is a technicality of how we can effectively offer you access to insurance. It also means we can support you with advice and guidance on a whole-manner of things after your cover and membership go live.

There’s no cost to the membership with us; it’s inclusive already in any insurance fees payable for the insurer.

Martial arts insurance – like all insurance – comes with certain conditions and requirements. Because we’re not an association we won’t check you for eligibility – but you must have the following in place for the insurance to be current. If it isn’t, you’ll likely find your claim is rejected. The requirements are basic industry standards, and we can help you with the provisions if you don’t have everything in place.

1. If you’re teaching children or adults at risk, you’ll need to hold an enhanced DBS check dated within the last 3 years.
2. You’ll need to be able to proof first aid training / certification to a suitable level.
3. You’ll need to hold a Black belt (1st Dan) or equivalent (where practicing ungraded styles, like MMA or Muay Thai) and you’ll need to be able to demonstrate this in the event of a claim.
4. You will need to conduct a risk assessment for all of your classes before teaching.
5. If you have a criminal record or have been declared bankrupt, we can provide cover but you must contact us first. This is just a standard insurance clause which we can overcome on a case by case basis.
6. You must ensure that suitable safety equipment is used at all times during lessons, classes and events and a fire risk assessment must be conducted on all premises used for lessons/events and fire evacuation procedures made clear. There must always be a qualified, DBS checked (where required), first aid trained instructor in the club at all times.
7. You’ll need to meet everything in the policy wording (see the box to the left) per the standard insurer wording.
8. You must not have been declared bankrupt or had any other county court judgements (CCJs) or insolvencies to your name.