Acquiring insurance is an important step in protecting yourself against potentially expensive liability claims. Whether you are a student or a graduate, it's essential to have the right insurance that gives you the best possible cover.
FitPro has been the UK leader in the provision of insurance for fitness instruction for over 25 years and offer flexible insurance for students and graduates, underwritten by one of the UK's leading insurers, Aviva – and giving you peace of mind.
This policy is designed for students working towards gaining an accepted certificate or qualification.
This is a six month policy – however, if you qualify within the first six months the insurance will be upgraded to 12 months cover at no extra cost upon receipt of your instructor certificate/ qualification.
- £10 million indemnity limit
- No excess
- Lower age limit 16 years
- No upper age limit
- Up to 12 months worldwide cover
The following activities are included where the instructor is working towards gaining an accepted certificate/ qualification in the specific area of instruction:
- Personal Training
- Exercise to Music
- Gym instruction
- Indoor Cycling
- Circuit Training
- Stability Ball
- Resistance Training
- Pilates (Note: Aerial Pilates is available separately for a fee)
- Standard Yoga (Note: Hot Yoga and Aerial Yoga is available separately for a fee)
- Freestyle Fitness Yoga
- Pre & Post Natal classes
- Dance, Street Dance and Latin Dance
- Pound Fitness
- Pad & Bag Work (excluding sparring and contact work)
- Hatton Boxing
- Children's exercise classes (aged 3.5 to 14 years) where an accepted children's health related fitness qualification is held
- Cover for working on Cruise Ships
- You must be registered on an accepted training course at the inception of the policy term and working towards gaining an accepted certificate/qualification.
- You must work within the guidelines of the instructor training syllabus which must also include anatomy and physiology.
- In the event of a claim you may be required to present a copy of an accepted certificate/ qualification or evidence of your instructor training.
- Students must send a copy of their certificate/ qualification to FitPro within the first six month of the policy term in order to upgrade to full insurance and receive a total of 12 months cover.
- Must be a resident of the UK or the Republic of Ireland.
- The standard indemnity limit is £10 million for both Public Liability and Professional Indemnity. Cover excludes advice provided separately for a fee.
- It provides cover for the instructor working within his/her accepted qualifications.
- Includes advice the instructor gives on exercise and nutrition, except where provided separately for a fee.
- Written on a worldwide basis for members resident in the UK and Ireland.
- There is no limit to the number of participants within a class, providing health and safety requirements are observed.
- “*Indemnity to Principal” is automatically included to protect the interest of the employer/contractor/hired or rented premises.
- The policy is on a “*Claims Occurrence” basis.
- No excess is payable by the instructor in the event of a claim.
- Legal expenses included.
- Deals with allegations made against you for injury, damage, libel and slander.
- “*Member to Member” claims included.
- As the policy is on a “Claims Occurrence” basis, as long as the contract was in force at the time of the incident, any claim will be dealt with by the insurers even if the policy is no longer in force.
- All claims occurring within the period of insurance are dealt with by the insurer.
- The instructor is required to provide information on the incident resulting in a claim being made.
- The qualification certificate is required for the activity taking place when an incident occurred.
- Increased indemnity of up to £20m is available if required.
- Policy extendable for some activities not directly fitness related (contact FitPro for further information).
- *No win, no fee: system used by solicitors where charge is only made if case is won.
- *Indemnity to Principal: claim made against a principal (i.e., owner of hired premises, employer, contractor) which is the liability of the instructor will be dealt with under the instructor's insurance.
- *Claims Occurrence: as long as the policy is in force at the time of the incident that results in a claim, the claim will be dealt with by the insurer even though the policy is no longer in force.
- *Member to Member: incidents between class members that result in claim being made.
Acceptable certificates / qualifications
- Evidence of undergoing an accepted instructor training qualification or sports science degree.
- Evidence of undergoing Pilates or Yoga instructor training (only acceptable for those teaching Pilates or Yoga in isolation).
What's not included?
- Instructors who do not hold active FitPro membership at the time of inception or renewal of the policy term.
- Contact sports/classes e.g. boxing, wrestling etc.
- Kick boxing style classes where there is no contact may be acceptable - contact FitPro for more information.
- Any activities involving power lifting or Olympic weight lifting.
- Bootcamp/army training classes if they involve the lifting/carrying/turning over of tractor tyres or assault course type activities.
- Cover excludes advice given separately for a fee.
- Students not complying with the eligibility criteria.
The business description for the Instructor Public & Teacher Liability insurance is Fitness Instructor. This is defined as an individual engaged in planned and structured exercise instruction of others. Exercise is considered as physical activity for the purpose of conditioning the body to maintain and improve health and fitness, enhance well-being and as a means of physical rehabilitation.
- Children's Exercise is defined as games, routines, warm-ups, cool downs, circuits, relays, dance and yoga.
- Children's exercise is included as long as an accepted children's health related certificate or qualification is held and legal requirements are adhered to.
- Some children's exercise activities may not be included as standard but may be quoted separately – see Additional Activities list or contact FitPro for more information.
- Children's exercise is applicable for children of 3.5 to 14 years of age.
- A qualified First Aider must be available during any supervised fitness activity.
Health and safety
- An appropriate health and safety risk assessment must be completed by a competent person prior to undergoing any fitness instruction activity to include checking the safety of equipment prior to usage as outlined in the ‘equipment inspection guidelines’.
- The instructor is responsible for ensuring the training environment is safe and for the provision of safe instruction and proper performance of exercise(s) to prevent injury and promote health.
- The instructor is responsible for assessing the capability of the participant and for the provision and execution of safe and effective exercise, adapting exercise accordingly to meet the ability level of the participant(s).
- Please refer to the ‘Loss Prevention Standards’ for further information.
Loss Prevention Standards – Slips, Trips and Falls:
- Please read through documentation.
- Participants must complete a PAR-Q form prior to participation in any fitness activity. Where applicable the participant/s should consult with their doctor before participating in the activity.
- In the event of a claim the instructor may be required to present evidence of the PAR-Q form completed by the participant.
Data Protection – Privacy Notice
The data controller responsible for this personal information is Aviva Insurance Limited as the insurer of the product. Additional controllers include Fitness Professionals Ltd who are responsible for the sale and distribution of the product.
Personal information we collect and how we use it
We will use your personal information to:
- Provide you with insurance: we need this to decide if we can offer insurance to you and on what terms and also to administer your policy, handle any claims and manage any renewals.
- Support legitimate interests that we have as a business: we need this to manage arrangements we have with reinsurers, for the detection and prevention of fraud and to help us better understand our customers and improve our customer engagement (this includes marketing, customer analytics and profiling).
- Meet any applicable legal or regulatory obligations: we need this to meet compliance requirements with our regulators (e.g. Financial Conduct Authority) to comply with law enforcement and to manage legal claims.
- Carry out other activities that are in the public interest: for example we may need to use personal information to carry out anti-money laundering checks.
As well as collecting personal information about you, we may also use personal information about other people, for example family members you wish to insure on a policy. If you are providing information about another person we expect you to ensure that they know you are doing so and are content with their information being provided to us. You might find it helpful to show them this privacy notice and if they have any concerns please contact us in one of the ways described below.
The personal information we collect and use will include name, address and date of birth, financial information and details of your business and property. If a claim is made we will also collect personal information about the claim from you and any relevant third parties. We may also need to ask for details relating to the health or any unspent offences or criminal convictions of you or somebody else covered under your policy. We recognise that information about health and offences or criminal convictions is particularly sensitive information. Where appropriate, we will ask for consent to collect and use this information.
If we need your consent to use personal information, we will make this clear to you when you complete an application or submit a claim. If you give us consent to using personal information, you are free to withdraw this at any time by contacting us – refer to the “Contacting us” details below. Please note that if consent to use information is withdrawn we may not be able to continue to provide the policy or process claims and we may need to cancel the policy.
Of course, you don't have to provide us with any personal information but if you don't provide the information we need we may not be able to proceed with your application or any claim you make.
Some of the information we collect as part of this application may be provided to us by a third party. This may include information already held about you and your business and property within the Aviva group, including details from previous quotes and claims, information we obtain from publicly available records, our trusted third parties and from industry databases, including fraud prevention agencies and databases.
To ensure the Insurer has the necessary facts to assess your insurance risk, verify your identity, help prevent fraud and provide you with our best premium and payment options, the Insurer may need to obtain information relating to you at quotation, renewal and in certain circumstances where policy amendments are requested. The Insurer or their agents may:
- Undertake checks against publicly available information (such as electoral roll, county court judgments, bankruptcy orders or repossession/s); similar checks may be made when assessing claims.
- Carry out a quotation search from a credit reference agency (CRA) which will appear on your credit report and be visible to other credit providers. It will be clear that this is a quotation search rather than a credit application.
The identity of our CRA and the ways in which it uses and shares personal information are explained in more detail at www.callcredit.co.uk/crain.
Automated decision making
We carry out automated decision making to decide whether we can provide insurance to you and on what terms, deal with claims or carry out fraud checks. In particular we use an automated underwriting engine to provide online quotes, using the information we have collected.
When you visit one of our websites, we may record information about your computer or mobile device, including hardware and software used, general location, when and how you interact with our websites. This information is used to note your interest in our websites, improve customer journeys, determine pricing and/or offer you available discounts.
How we share your personal information with others
We may share your personal information with:
- The Aviva group, our agents and third parties who provide services to us, and your intermediary and other insurers (either directly or via those acting for the insurer such as loss adjusters or investigators) to help us administer our products and services.
- Regulatory bodies and law enforcement bodies, including the police (e.g. if we are required to do so to comply with a relevant legal or regulatory obligation).
- Other organisations including insurers, public bodies and the police (either directly or using shared databases) for fraud prevention and detection purposes.
- Reinsurers who provide reinsurance services to Aviva and for each other. Reinsurers will use your data to decide whether to provide reinsurance cover, assess and deal with reinsurance claims and to meet legal obligations. They will keep your data for the period necessary for these purposes and may need to disclose it to other companies within their group, their agents and third party service providers, law enforcement and regulatory bodies.
Aviva may use personal information we hold about you across the Aviva Group to help identify and tailor products and services that may be of interest to you. Aviva will do this in accordance with any marketing preferences you have provided to them. Aviva may continue to do this after your policy has ended.
If you wish to amend your marketing preferences with Aviva please contact Aviva:
Phone: 01603 622200 or +44 1603 604999 (from abroad)
Post: Aviva, Freepost, Mailing Exclusion Team, Unit 5, Wanlip Road Ind Est, Syston, Leicester LE7 1PD
How long we keep your personal information
We maintain a retention policy to ensure we only keep personal information for as long as we reasonably need it for the purposes explained in this notice. We need to keep information for the period necessary to administer your insurance and deal with claims and queries on your policy. We may also need to keep information after our relationship with you has ended for example to ensure we have an accurate record in the event of any complaints or challenges, carry out relevant fraud checks, or where we are required to do so for legal, regulatory or tax purposes.
If you have any questions about how we use personal information, or if you want to exercise your rights stated above, please contact the Data Protection team by emailing email@example.com or writing to the Data Protection Officer, Fitness Professionals Ltd, Kalbarri House, 107-113 London Road, London E13 0DA.
You can also contact Aviva by either emailing them at firstname.lastname@example.org or writing to the Data Protection Officer, Level 4, Pitheavlis, Perth PH2 0NH.
If you have a complaint or concern about how we use your personal information, please contact us in the first instance and we will attempt to resolve the issue as soon as possible. You also have the right to lodge a complaint with the Information Commissioners Office at any time.
Material Circumstances – Disclosure
IMPORTANT – The policy is a legal contract
Please remember that you must make a fair presentation of the risk to us. This means that you must:
- Disclose to us every material circumstance which you know or ought to know or, failing that, sufficient information to alert us that we need to make further enquiries; and
- Make such disclosure in a reasonably clear and accessible manner; and
- Ensure that, in such disclosure, any material representation as to a; (a) matter of fact is substantially correct; and (b) matter of expectation or belief is made in good faith.
A material circumstance is one that is likely to influence an insurer in the acceptance and assessment of the application. You must also make a fair presentation to us in connection with any variations, e.g. changes you wish to make to your policy. If you fail to make a fair presentation of the risk then this could affect the extent of cover provided or could invalidate your policy, so if you are in any doubt as to whether a circumstance is material then it should be disclosed to us.
Disclosures should be specific and made in a reasonably clear and accessible manner. We will not be deemed to have knowledge of any information generally referred to (for example the contents of company websites listed in the risk presentation) or any matter not expressly drawn to our attention.
Each renewal invitation is made on the basis of the information we have at the time it is issued. We may revise or withdraw it if, before the date your renewal takes effect, any event occurs that gives rise to a claim or alters the material circumstances under this insurance, even if we are notified after your renewal date.
A specimen copy of the policy wording is available on request. You should keep a record (including copies of letters) of all information supplied to us for the purposes of the renewal of this insurance. A copy of the completed application will be supplied on request within a period of three months after its completion.
Our Promise of Service
Our goal is to give excellent service to all our customers but we recognise that things do go wrong occasionally. We take all complaints we receive seriously and aim to resolve all our customers' problems promptly. To ensure that we provide the kind of service you expect we welcome your feedback. We will record and analyse your comments to make sure we continually improve the service we offer.
What will happen if you complain:
- We will acknowledge your complaint promptly.
- We aim to resolve all complaints as quickly as possible.
Most of our customers' concerns can be resolved quickly but occasionally more detailed enquiries are needed. If this is likely, we will contact you with an update within 10 working days of receipt and give you an expected date of response.
What To Do If You Are Unhappy
If you are unhappy with any aspect of the handling of your insurance we would encourage you, in the first instance, to seek resolution by contacting Fitness Professionals Ltd by emailing email@example.com or writing to Insurance Scheme Manager, Fitness Professionals Ltd, Kalbarri House, 107-113 London Road, London E13 0DA.
If you are unhappy with the outcome of your complaint you may refer the matter to the Financial Ombudsman Service at:
The Financial Ombudsman Service: Exchange Tower, London E14 9SR
Telephone: 0800 023 4567 (calls from UK landlines and mobiles are free) or 0300 123 9123
Or simply log on to their website at financial-ombudsman.org.uk.
Whilst we are bound by the decision of the Financial Ombudsman Service, you are not. Following the complaints procedure does not affect your right to take legal action.
FITPRO REGULATORY STATUS
We are authorised and regulated by the Financial Conduct Authority. We are registered as Fitness Professionals Ltd, Kalbarri House, 107-113 London Road, London E13 0DA and our firm's reference number is 310684.
You may check this information and obtain further information about how the Financial Conduct Authority protects you by visiting its website at fca.org.uk or calling 0800 111 6768.
The FitPro Insurance Scheme has been designed with you in mind to provide the necessary legal protection and, above all, peace of mind.
Contact FitPro for further information: firstname.lastname@example.org or +44 (0)20 8586 0101.
Note: This is an outline of cover only. A copy policy is available on request.