Insurance for Members
We know insurance is complex and can be confusing, so we have tried to provide an overview for members to help.
Training includes participating in triathlon related training of running, swimming, and cycling. Any training outside of the 3 disciplines is not covered. Please note that the use of a bicycle for commuting is not considered training nor is participating in events that are not sanctioned by Aus Triathlon.
We have outlined what each insurance type means* in day to day terms, the key benefits of the cover supplied in each type of insurance and the inclusion level dependent on your membership choice.
There will of course be times where you need to check the more detailed cover so you can head over to our Insurance Hub designed by our Insurance Broker V-Insurance.
Insurance Hub
Their role is to help you with your insurance program so please do not hesitate to contact them if they can assist in any way.
Public Liability and Professional Indemnity Cover Explained
Public Liability Cover
Public Liability insurance is cover that protects a member if they cause an accident injuring or damaging someone else or someone else’s property.
This only applies if the member is legally responsible for the accident. Compensation is paid from the insurers to the person pursuing the claim with the injury/damage so the member does not have to pay. The member will only pay an excess if a claim for damage to property is successfully made against you.
Examples of scenarios where public liability applies.
Overseas Residents:
We are only able to provide public liability insurance as part of Membership to Australian citizens or permanent residents. If you are not an Australian citizen or live overseas permanently, public liability insurance is not provided by AusTriathlon through our membership packages.
What level of cover do you get when you buy:
| Type of Membership or add on package | Cover (the benefits increase for higher levels of membership) |
| One Day License holder (purchased at time of race entry) |
$20m public liability cover – this covers you for the event only |
| Social Membership | $20m public liability cover – this covers you for Public Liability whilst at official social activities of your club or where you are volunteering for your club. |
| Basic Membership | $20m public liability cover – this covers you 365 days a year, 24 hours a day only when training in Australia towards a triathlon goal. Racing is not covered. |
| Standard Membership | $20m public liability cover – this covers you 365 days a year, 24 hours a day only when training in Australia towards a triathlon goal or racing in Australia at an AusTriathlon Sanctioned event |
| Premium Membership | $20m public liability cover – this covers you 365 days a year, 24 hours a day only when training in Australia towards a triathlon goal, racing in Australia at an AusTriathlon Sanctioned event or racing overseas at an event Sanctioned by the National Federation in that country* |
| Coach Membership add on |
$20m Public Liability cover and $20m Professional Indemnity cover – this covers you 365 days a year, 24 hours a day only when coaching predominantly AusTriathlon members in Australia towards a triathlon goal. Coaches must be coaching in accordance with their level of accreditation. |
| Professional Athlete Add on | Members holding a Professional athlete add on are also covered for Public Liability insurance whilst training and racing overseas. Refer to the Travel Insurance page and the travel insurance policy summary on the Insurance HUB. |
| Technical Official Add on | $20m Public Liability Cover whilst officiating. |
| Volunteer – Club or Sanctioned race | $20m Public Liability cover for volunteering activities at your club or at a sanctioned event. |
* If racing in an event overseas, we strongly recommend the International Travel Upgrade which also includes Personal Accident Insurance and other travel insurance benefits (discounted for Premium Members).
Professional Indemnity Cover (Coaches only)
Professional Indemnity insurance is defensive cover that protects coaches who provide advice or a service to their customers (in this instance, individuals training towards a triathlon goal). It protects coaches against legal costs and claims for damages to third parties which may arise out of an act, omission or breach of their professional duty in the course of their coaching. This only applies if the coach is legally responsible for the accident directly or indirectly through their coaching instruction. Compensation is paid from the insurers to the person pursuing the claim with the injury/damage so the coach does not have to pay. The coach will only pay the excess of $1,000 if a claim for damage to property is successfully made against them.
What level of cover do you get when you buy:
| Type of Package | Cover |
| Coach Membership |
$20m Public Liability cover and $20m Professional Indemnity cover – this covers you 365 days a year, 24 hours a day only when coaching predominantly AusTriathlon members in Australia towards a triathlon goal. Coaches must be coaching in accordance with their level of accreditation. |
Personal Accident Cover Explained
Compensation is paid from the insurers to the member claiming.
The type and level of benefits included varies depending on your membership type and may include cover for:
- Death/Disablement Lump Sum,
- Medical costs
- Loss of Income
- Other (refer policy)
What level of cover do you get when you buy:
| Type of Membership or add on package | Cover (the benefits increase for higher levels of membership) |
| One Day License holder (purchased at time of race entry) | Basic limited personal accident cover for death, disablement and medical expenses – this covers you for the AusTriathlon sanctioned event only
For superior cover and benefits and to also be covered for training, upgrade to a full member. |
| Social Membership | Personal Accident Cover whilst at official social activities of your club or where you are volunteering for your club. |
| Basic Membership | Personal accident cover for death, disablement, loss of income and medical expenses – 365 days a year, 24 hours a day only when training in Australia towards a triathlon goal.
Racing is not covered. For improved benefits upgrade to Standard or Premium. We strongly recommend upgrading for members who are training on a frequent basis. |
| Standard Membership | Personal accident cover for death, disablement, loss of income and medical expenses – 365 days a year, 24 hours a day only when training in Australia or overseas** towards a triathlon goal or racing in Australia at an AusTriathlon Sanctioned event
For improved payouts & benefits upgrade to Premium |
| Premium Membership | Personal accident cover for death, disablement, loss of income and medical expenses – 365 days a year, 24 hours a day only when training in Australia or overseas** towards a triathlon goal or racing in Australia at an AusTriathlon Sanctioned event
This is a superior level of cover compared to basic and standard membership. |
| Coach Membership add on | Personal Accident cover for coaching activities 365 days a year, 24 hours a day only when coaching predominantly AusTriathlon members in Australia towards a triathlon goal.
Personal accident cover for training and racing depends on the level of core membership. Coaches are required to have a standard or premium membership. |
| Pro Licence add on | Personal accident cover for death, disablement, loss of income and medical expenses – 365 days a year, 24 hours a day when training in Australia or abroad** towards a triathlon goal or racing in Australia at an AusTriathlon Sanctioned event. Personal accident cover for training and racing depends on the level of core membership. Pro license holders are required to have a standard or premium membership.
Pro licence holders are also covered for Personal Accident insurance whilst training and racing overseas. Refer to the Travel insurance page and the travel insurance policy summary on the Insurance HUB. |
| Technical Official add on | Provides Personal Accident Cover whilst officiating. |
| Volunteer – Club or Sanctioning race | Personal Accident cover for volunteering activities at your club or at a sanctioned event. |
** limited worldwide cover, Travel upgrade recommended
Scenarios
Scenarios – Public Liability
AusTriathlon Member V General (Person/Property outside of the event/activity)
If a member causes an incident, damaging someone else or their property, the insurers will protect them against a claim from the other involved. The member will only pay a small excess in respect of claims for damaged property. The insurers will pay the compensation to the other party if the member is legally responsible for the injury or damage caused.
As a member they can also claim personal accident cover for themselves if they are injured (if this is included in their membership package).
One Day Licence holder V General (Person/Property outside of the event)
If a One Day Licence holder causes an incident, damaging someone else or their property, the insurers will protect them, during an event, against a claim from the other involved. The One Day license holder will only pay the small excess in respect of claims for damaged property. The insurers will pay the compensation to the other party if the day member is legally responsible for the injury or damage caused. There is personal accident cover available for the One Day Licence holder if they are injured – however this cover is low and we recommend becoming a member to take advantage of a much high level of cover
One Day License holder v Member
If a One Day license holder causes an incident, damaging someone else or their property, the insurers will protect them against a claim from the member. The One Day Licence holder will only pay the small excess in respect of claims for damaged property. The insurers will pay the compensation to the member if the One Day licence holder is legally responsible for the injury or damage caused. The member can claim personal accident cover if they are injured. There is reduced limited personal accident cover available for the One Day license holder if they are injured.
Member v One Day License holder
If a member causes an incident, damaging someone else or their property, the insurers will protect them against a claim from the One Day License holder. The member will only the small excess in respect of claims for damaged property. The insurers will pay the compensation to the One Day License holder if the member is legally responsible for the injury or damage caused. The member can claim personal accident cover if they are injured. There is reduced limited personal accident cover available for the One Day license holder if they are injured.
Member v Member
If there is an incident, damaging someone else or their property, involving two members, the insurers will protect the member who causes the accident. The other member will the small excess in respect of claims for damaged property. The insurers will pay the compensation to the member who did not cause the accident and is claiming if the member causing the accident is legally responsible for the injury or damage caused. Both members can claim personal accident cover if they are injured. The higher the level of membership type, the higher the level of cover.
Coaches only – Coach v Individual
If a coach causes damage or injury to an individual through their coach instruction either in person or via a training or session plan. The insurers will protect the coach against a claim from the individual. The coach will only the small excess in respect of claims for damaged property. The insurers will pay compensation to the injured/damaged individual who is claiming if the coach is legally responsible for the injury or damage caused.