BusinessHABCricket insurance claim: Cricket is a game that involves a lot of risks. While it is easy to assume that you won’t get hurt or that you won’t break anything, this isn’t exactly the case.
You can come off worse after any match, no matter how safe and cautious you are.
Cricket players spend their whole summer in the field getting ready for the big game and training as much as they can to make sure they remain at peak performance.
However, even with all the preparation, there may come a time when you need to make an insurance claim.
Whether it is because you have broken your bat or have injured yourself while playing and struggling to walk afterwards, making a cricket insurance claim is something that every player needs to be prepared for in case things take a turn for the worst.
Fortunately, there are plenty of things that you can do to ensure that your claim is simple and straightforward so that you don’t have to worry about too many details when it comes time to file it. Here are 7 tips for making cricket insurance claims:
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7 Tips for Making a Cricket Insurance Claim
Cricket insurance claim: When you have a valid cricket insurance policy and suffer an accident as a result of your involvement in the sport, you may be entitled to make a claim on your policy. The procedure for making a claim will depend on the exact details of your policy and insurer, but most policies will require you to report the incident promptly and provide evidence of medical treatment, rehabilitation or other substantiating documents. It’s also worth bearing in mind that most insurers will have a limit on their payout for any one claim; this means you shouldn’t expect them to stump up unlimited amounts for any future claims arising from your involvement in cricket. With that in mind, here are some basic tips that should help you if you ever need to make a cricket insurance claim:
Check your cover before the game
It’s always a good idea to check you have the right cover before you get involved in any sporting activity. Before your next game, you should make sure you’re covered for any possible injuries that might occur. It may be worth checking with your club what cover they have in place for members, and if there’s any potential for you to cover yourself privately if there’s no club cover available. If you’re playing in a league, you should be able to find out from the league organisers whether any insurance is in place that will cover you. If you’re playing socially, you may want to consider whether you’re adequately covered. Be aware that a standard household insurance policy is unlikely to cover any cricketing activities you take part in. You may want to consider getting extra cover, or if this isn’t affordable, you may want to think about reducing the risks of injury as much as you can by wearing appropriate protective equipment such as helmets and other pads.
Report any incident immediately
If you suffer an injury while you’re playing cricket, you should report it to your insurer or league organiser as soon as possible. In most cases, you’ll have a certain amount of time (usually around 28 days) to report an incident before any claim is invalidated. Many insurers will also have a specific procedure for reporting accidents, so you should follow these as closely as possible. If you’ve been hurt badly and are in pain, you may not want to interrupt your game to report an incident and seek medical attention. However, you should remember that playing through your pain might lead to further injury, and you could find yourself out of action for longer than you’d like as a result. It may be worth speaking to your teammates and asking them to help you report any incidents quickly and efficiently.
Be clear about the costs and injuries you’re claiming for
When you make your claim, you need to be clear about the costs and injuries you’re claiming for. You may want to keep a running list of all the medical appointments and expenses you incur as a result of your cricket injuries so you have a full and accurate record to hand when you make your claim. You’ll also want to be clear about the extent of your injuries, so you can provide accurate medical evidence. A detailed doctor’s report can be very helpful in substantiating your claim, but you should also provide any other evidence you have, such as photographic documentation of your wounds.
Get a written confirmation of your claim from the insurer
Once you’ve submitted a claim, you’ll receive a written acknowledgement from the insurer. This confirmation will state the amount of money you’re claiming, the basis for your claim, and the time frame within which you expect the claim to be settled. You’ll also receive a reference number for your claim and a copy of the policy wording. This will help you track the progress of your claim and ensure that it’s being dealt with appropriately. If you find the process is taking longer than you’d like, you can always follow up with the insurer to ask how long you can expect the settlement process to take.
Don’t expect unlimited payouts or claim everything at once
You may be tempted to submit as many claims on your cricket insurance policy as possible. This is not a good idea. Most insurers will have a limit on how much they’ll pay out in any one year. This means you’re likely to end up with a smaller payout if you submit several claims in one year. You may also find that insurers start to question your honesty if you make a lot of claims. This can lead to them ending your policy early or changing the terms of your policy so that you’re no longer covered for cricket-related injuries. Don’t also claim for everything at once. Although you should submit a claim for every injury you suffer, you may want to stagger your claims. Claiming for a broken bone is likely to be a quicker and more straightforward procedure than trying to claim for a sprained ankle. It may be worth claiming for a sprained ankle first to get your insurer used to the idea of paying you, and then claiming for a broken bone after the first claim has been settled.
Bottom line
Cricket is a great sport, but it does come with a risk of injury. Ensure you have the right cricket insurance policy in place before you next play. Check you’re covered for the activities you’re going to be involved in, and report any incidents as soon as possible. Be clear about the costs and injuries you’re claiming for, and get a written confirmation of your claim from the insurer. Don’t expect unlimited payouts or claim everything at once.
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