By default all of our student memberships to #MADR are inclusive of £1,000,000 Public Liability insurance designed to provide protection in the event of a student injuring somebody or causing damage to a venue. Cover is also available in £2,000,000 and £5,000,000 increments as required.

This is commonly referred to as ‘member to member’ insurance and personal accident cover is also available.

In addition to their core protection from damages when pursued by another student or venue, we can also provide your students with Personal Accident (PA) cover. This provides assistance when a student is injured, without the need to pursue a claim against somebody else. PA can include cover for things like dental expenses, broken bones, loss of income, physiotherapy and more. Please check the benefit amounts to learn more.

No, you don’t. All student placements can be recycled so if one student leaves, you can just assign another new-starter or renewal in their place instead.

You can manage all student registrations in-house, using the unique #MADR registration number assigned to each student placement after you sign them up.

So, how does this work in practice?

Let’s imagine you purchase 20 student slots, each with £2,000,000 Student Public Liability insurance in place. You’ll see all 20 slots with unique student numbers assigned. You don’t need to tell us when you register students to your slots; but you do have to be able to prove to the insurer in the event of a claim that they were assigned to a vacant position before the incident.

You might chose to create your own license slips and mark the unique MADR number there, or you might use your own in-house spreadsheet, CRM or system. Alternatively, you may just note the student’s #MADR number on their registration form too.

We recommend you use our instructor portal, which allows you to edit and assign students to cover in realtime. You can also log medical conditions, grades and other information in realtime to give you a current, live database of registered and insured members.

Ultimately, it’s up to you but we can help if you need assistance getting this right. This means you’re free to manage student placements in-house without notifying us when you ‘chop and change’ who’s covered.

Like we always say, we’re supportive of associations and NGBs and respect the crucial role responsible organisations can play in the UK.

Student insurance with an association will include membership to that organisation. Some organisations provide more benefits that others, but most will include support, technical assistance and grade recognition. This ultimately costs money to provision. Alot of organisations are also relatively small so don’t have the same buying power.

Whilst your students are indeed assigned membership to the #MADR scheme when they’re registered and insured, it’s not an association membership. This means we can keep it fast and affordable, because we don’t have the same overheads to provide for.

No, we don’t. We’re not an association in the traditional sense so we don’t provide the associated student registration services many organisations or NGBs do. That’s one of the reasons we can provide such affordable student cover.

If you need license books, grade recognition or other associated licensing for students you may need to think about using an association’s group cover policy instead. We would recommend the BMABA as it’s part of our group, but there are of course lots of other options out there.

Cover is underwritten by XL Catlin and AXA. As this is served from our group cover policy, we’re very happy to make available the full combined policy wording but please ensure you look at the section relevant to the student Public Liability and – where applicable – personal accident. We include the personal accident limitations and benefit amount separately for your ease of reference too.

This is a really vexing question for us, and one that is constantly mis-understood by the wider association market.

There is a legal term known as ‘Volenti Non Fit Injuria’ which effectively means that no claim is possible when a person knowingly and willingly undertakes a risk. This isn’t specific to martial arts – it applies to all areas of life and sport.

Volenti non fit injuria is a defence of limited application in tort law. A direct translation of the latin phrase volenti non fit injuria is, ‘to one who volunteers, no harm is done’. Where the defence of volenti applies it operates as a complete defence absolving the Defendant of all liability. It is often stated that the Claimant consents to the the risk of harm, however, the defence of volenti is much more limited in its application and should not be confused with the defence of consent in relation to trespass. The defence of volenti non fit injuria requires a freely entered and voluntary agreement by the Claimant, in full knowledge of the circumstances, to absolve the Defendant of all legal consequences of their actions. There is a considerable overlap with contributory negligence and since the introduction of the Law Reform (Contributory Negligence) Act 1945, the courts have been less willing to make a finding of volenti preferring to apportion loss between the parties rather than taking an all or nothing approach.

What this effectively means is in the event of a competition, as there is a known and willing risk assumed by the student(s), there can be no claim under the personal accident or public liability aspects as the risk is willingly entered into.

Whilst it’s a contentious area that could cut one way or another in the event of a claim arising, we’ve decided to ‘play it safe’ and avoid leading clubs into any dangerous positions by stating that this cover is not applicable for events cover.

In all cases where events are taking place, separate Public Liability for Events should be considered to make sure participants, spectators and the organisers are properly covered.