FAQs for Members

A comprehensive list of frequently asked questions are listed below.  

If you have a query not covered by the list below please contactHowden by email or call 0121 698 8051.

 


Does EHA membership insurance replace club insurance?

No, the EHA membership insurance protects you individually. Clubs have their own duty of care and need to arrange their own cover to protect their liabilities.

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Does my insurance cover training activities?

Yes, the EHA insurance will cover you whilst you are training for handball activities

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If I am injured in a road accident whilst travelling to a an EHA event will I be covered?

Yes, you will be covered under the personal accident insurance section, for the specific benefits provided.

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Is damage to my own property covered?

Not under the liability insurance, as you can't claim for damage to your own property. You should arrange asset cover for your own equipment, which can be done via the following link.

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Does my insurance cover damage to another an individual, or their property, in an incident caused by me?

Yes, the combined liability cover is designed to cover injuries to other people, or damage to their property, caused by your negligence.

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If I am injured or my equipment is damaged by another person with no insurance will my insurance cover this?

You may be able to claim benefits for your injuries under the personal accident cover, but your own liability insurance will not cover injuries to you or damage to your own property.

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Am I covered for club events that take place away from the club?

Yes, you are covered to take part in all club activities.

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Do I have liability/personal accident cover when I'm taking part in non EHA or club organised events?                                               

You only have cover for events organised by or approved by EHA or your club.

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Do juniors and adults have the same cover? Are there extra conditions for insurance for juniors?

There are no extra conditions for the insurance cover provided for juniors or adults, both are protected in the same way. Personal accident insurance is not provided for members aged 80+.

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If I have an incident when in breach of a club rule, is my insurance cover still valid?

This would depend on which rule has been breached and the circumstances of the particular incident.

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My club hasn't paid their affiliation fees. Does this affect my insurance cover?

No, your cover as an individual would remain valid, although this may invalidate any insurance that the club has arranged.

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I'm going on a club competition overseas. Does my insurance cover my handball activities and travel to and from the venue?

Yes, your EHA insurance will cover you while you are participating in handball related activities, provided your club is affiliated to EHA. However, you will need to take out travel insurance to cover potential third party claims, emergency medical expenses, loss of personal property etc. For a travel insurance quotation click here.

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Does my EHA membership negate the need for travel insurance?

No. It is vital that you arrange travel insurance whenever you are going abroad. This will provide cover for your medical expenses if you are injured or taken ill, as well as covering lost and delayed baggage and cancellation costs.

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Does my EHA insurance cover in Europe differ from the rest of the world?

No

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I have current EHA membership and am going on a gap year to Australia. Will my insurance cover still be valid?

No. If you are out of the UK for more than 6 months, or if you are temporary resident in another country, the policy will no longer apply and you will need to arrange cover in the country where you are resident.

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If I am injured in a handball accident what should I do?

If you are injured, and you feel that it is someone else's fault, you should seek advice on how to pursue a claim against the person(s) responsible for causing the injury. However, you may be eligible to claim for your injuries under the EHA Personal Accident Policy. You should also make sure that you complete and incident report form for EHA.

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Who can submit an incident report?

If you are involved in an incident where you have injured someone else or caused damage to property, you should advise us as soon as possible.

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I had an accident 6 months ago but did not submit an incident report and would like to make a claim. What action should I take?

To claim under the personal accident insurance, you should download a claim form and submit it to us with the necessary accompanying documentation.

The combined liability policy is in force to protect you from claims made against you by others. If you have an accident where you injure someone else or damage property, you should complete an incident report as soon as possible. If you have now received a letter of claim from the injured party, please submit that to Howden immediately, without replying.

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