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  1. Jadonblade is offline
    Jadonblade's Avatar

    Hoo Ha!

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    Posted On:
    12/28/2007 2:59am

    supporting member
     Style: San Da, Judo, BJJ

    --
    Hell yeah! Hell no!

    MA insurance

    In every martial art Ive done Ive always been offered and sometimes made to buy insurance. And have again just been offered recently. My question is why? (especially to those in the UK). My healthcare is free, Ive never seen them pay out and very serious injuries arnt that common. To their credit its not very expensive, but Im not sure why to bother.

    Any similar feelings, stories and information to share?
  2. Airman Kai is offline
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    AK: Giving new meaning to the word "Unfair."

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    Posted On:
    12/28/2007 4:42am


     Style: Out-Of-Shape MMA

    --
    Hell yeah! Hell no!
    Quote Originally Posted by Jadonblade
    In every martial art Ive done Ive always been offered and sometimes made to buy insurance. And have again just been offered recently. My question is why? (especially to those in the UK). My healthcare is free, Ive never seen them pay out and very serious injuries arnt that common. To their credit its not very expensive, but Im not sure why to bother.

    Any similar feelings, stories and information to share?
    Huh... it does sound odd, seeing as you have free healthcare. You got me stumped.



  3. jdinca is offline
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    Posted On:
    12/28/2007 12:43pm


     Style: Chinese Kenpo

    --
    Hell yeah! Hell no!
    Weird. My guess would be that it's an attempt to shift liability away from the school and onto you. I carry a large umbrella policy but not because I had to.
  4. Omega Supreme is offline

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    Posted On:
    12/28/2007 4:21pm

    staff
     Style: Chinese Boxing

    --
    Hell yeah! Hell no!
    A. It's a scam
    B. Gyms have a liability insurance and they are charged per student. They pass that cost over to you.
  5. wanabeshinobi is offline

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    Posted On:
    12/28/2007 5:33pm


     Style: Defense Fighting

    --
    Hell yeah! Hell no!
    Quote Originally Posted by Jadonblade
    My healthcare is free
    I don't know anything about the UK system, but there might be some limitations with this. For example you might have to pay for special treatment and drugs. Also you might get better and faster service from commercial hospitals.
  6. Jadonblade is offline
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    Posted On:
    12/29/2007 7:55pm

    supporting member
     Style: San Da, Judo, BJJ

    --
    Hell yeah! Hell no!
    All drugs cost a fixed amount around 6, regardless of type or amount. Some dental stuff is priced at a scale (ma amount I could ever pay is around 200 I think), if I was still a student it would becompletely free though. If I had a brain transplant it would be free.

    I always thought the insurance refered to loss of earnings but that doesnt make much sense, for when I was a kid.

    Omega sounds right. Abit odd though still, no one found this?
  7. whisper is offline

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    Posted On:
    12/29/2007 8:03pm


     Style: Muay Thai

    --
    Hell yeah! Hell no!
    Quote Originally Posted by Jadonblade
    if I was still a student it would becompletely free though.
    That's changed, fyi. If you're 19 or over, you pay with the rest, full time education or otherwise. You can fill in an appeal form to stay covered like a minor, but it's a gamble whether they'll say yes or not (depending on your background, course, local NHS trust and council)
    Last edited by whisper; 12/29/2007 8:06pm at .
  8. Jadonblade is offline
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    Posted On:
    12/29/2007 8:09pm

    supporting member
     Style: San Da, Judo, BJJ

    --
    Hell yeah! Hell no!
    Quote Originally Posted by whisper
    That's changed, fyi. If you're 19 or over, you pay with the rest, full time education or otherwise. You can fill in an appeal form to stay covered like a minor, but it's a gamble whether they'll say yes or not (depending on your background, course, local NHS trust and council)
    Yeah did one of them, F41 is it? or similar. Low income essentially.
  9. Rock Ape is online now
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    Watch and Shoot !

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    Posted On:
    12/30/2007 2:29am

    staff
     

    --
    Hell yeah! Hell no!
    Quote Originally Posted by Jadonblade
    In every martial art Ive done Ive always been offered and sometimes made to buy insurance. And have again just been offered recently. My question is why? (especially to those in the UK). My healthcare is free, Ive never seen them pay out and very serious injuries arnt that common. To their credit its not very expensive, but Im not sure why to bother.

    Any similar feelings, stories and information to share?
    Your health care which isn't fucking free BTW -- it's paid for by every tax payer in the UK -- doesn't cover you for legal fees brought about by civil claims when someone decides to make a claim against you for [whatever] *IF* you think it doesn't happen you're foolish, if you think it'll never happen to you, good luck.

    Martial arts insurance within the UK is provided by just four underwriters, it exists because in our "where there's blame there's a claim" based society you cannot expect to study a martial art without having appropriate insurance cover.

    Do you drive a car ?
    Own or live in a house?
    Go on holiday over seas ?
    Last edited by Rock Ape; 12/30/2007 2:32am at .
  10. Gibbon is offline

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    Posted On:
    12/30/2007 2:11pm


     Style: Judo noob, BJJ uber noob

    --
    Hell yeah! Hell no!
    ^what he said.
    My judo coach has started clamping down on people without BJA membership and the insurance that comes with it because he doesn't want to get fiscally raped by someone suing him :D
    Although it also means he doesn't like orange belt noobs like me trying to tomoe nage each other in case we break someone's neck :'(
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