WSR Insurance Information (2026–2027)
When rowing clubs affiliate to Welsh Sea Rowing, they pay a membership fee for each member. Part of this fee includes cover for Liability Insurance and Personal Accident Insurance.
Both policies are arranged through Howden Insurance, specialists in amateur sport and recreation. Summaries of the current policies are shown below. Full policy documents are available to download.
Summary of Liability Cover 2026–2027
Insured: Welsh Sea Rowing Limited
Period of Cover: 3 May 2026 to 2 May 2027
Policy Number: HUP16 9111595
Retroactive Date: 01 January 1985
Activities Covered:
- Sliding and fixed seat rowing
- Coastal, ocean and surf rowing
- Indoor rowing (ergometers and rowing tanks)
- Club events, regattas, competitions, and social activities
- Administration of the sport
Key Cover Limit:
Public & Products Liability: £10,000,000 any one event
Summary of Personal Accident Cover 2026–2027
Insured: Welsh Sea Rowing Limited
Period of Cover: 3 May 2026 to 2 May 2027
Policy Number: RKL142216
Insurer: Royal Sun Alliance
Categories of Cover
Category A – Members (Age 3–79)
Cover applies whilst participating in authorised activities worldwide, including travel to and from events.
Category B – Coaches (Age 16–79)
Cover applies whilst coaching members in recognised activities, including travel.
Category C – Members (Age 80–84)
Limited cover applies whilst participating in authorised activities.
Category C Important Limitations
- Reduced level of benefits
- No cover for temporary or permanent disablement
- No additional extensions apply
- Not applicable to individuals who are actively coaching
Category C Benefits
- Death: £10,000
- Loss of limbs or sight: £50,000
- Loss of hearing or speech: £50,000
- Permanent Total Disablement: Not covered
Boats and Equipment Insurance
All affiliated Welsh Sea Rowing clubs are able to take advantage of our blanket equipment insurance. If you would like your club equipment to be covered please contact assistance@searowing.wales
- Insured: Welsh Sea Rowing Limited
- Period of Cover: 21st July 2025 to 20th July 2026
Qualified Coaches – Insurance Information
Qualified coaches are covered under Welsh Sea Rowing’s insurance policies when acting within the scope of recognised and authorised club activities.
- Cover applies while coaching affiliated members
- Activities must be organised, authorised, or recognised by the club or WSR
- Coaches must hold appropriate qualifications and operate within their level of competence
Coaches operating independently, outside club activities, or delivering private/commercial sessions may require their own insurance cover.
Incident Recording Guidelines
Clubs should appoint a responsible person to record all reportable accidents or incidents.
- Records must be retained for at least 6 years
- Include names and addresses of any witnesses
The accident record should include:
- Date and time of the incident
- Name, age and details of injured person
- Nature of the injury
- Location of the incident
- Description of what happened
- How the incident was reported
The Accident Book BI 510 (HMSO) is commonly used and compliant with data protection requirements.
This page provides a summary only and does not replace the full policy wording.
