Accident and Backstage
Accident and Backstage Cover
Personal Accident: Members, Excluding Stunt Performers, Arrangers and Coordinators.
Equity insures its members against Personal Accident whilst performing, rehearsing and training in connection with a professional performance including travelling to and from home.
This is a summary only. For the full policy wording please click on the link below:
Personal Accident Policy Wording
Personal Accident Schedule
All Members who are under 80yrs are included in the cover, with the exception of members of the Joint Industry Stunt Register for whom other arrangements are in place (see below).
Reduced benefits apply to those aged under 18yrs.
Policy Questions and Answers:
What type of incident is covered?
This policy covers you against accidental injury which arises whilst you are performing, rehearsing, practising or training in connection with a professional performance in film, television, theatre, variety or similar media or travelling to and from your place of Equity related work.
Is there an excess or deductible?
The first 14 days are excluded under the temporary disability section of the policy
Are payments made on incidents occurring outside of the UK?
Yes. The policy covers incidents occurring worldwide.
What are the benefits if I do have an accident whilst performing?
The policy pays the following benefits in the event of an” accident” covered by the policy
Loss of life £20,000
Loss of one or both eyes £20,000
Loss of one or more limbs £20,000
Permanent total disablement £20,000
Facial disfigurement up to £5,000
Temporary total disablement £ 125 per week payable for up to 52 weeks excluding the first 2 weeks.
The policy also provides certain benefits for medical expenses, coma, disability assistance, hospitalisation and funeral expenses following an accident covered by the policy.
Members who have joined Equity under the new membership category of Model are insured for disfigurement cover to £10,000 on a 24 hour basis. Hand models will be insured for hand disfigurement.
“Accident” means a sudden, unexpected, unusual, specific event, which occurs at an identifiable time and place, but also includes exposure resulting from mishap to a conveyance in which the Insured Person is travelling eg a car.
Am I able to purchase additional cover?
Yes.
Top Up Cover Application Form
What are the principal exclusions?
The first 14 days following an insured accident
Any pre-existing injury or physical weakness, defect or disease.
Involvement in the armed forces.
Intentional self-injury, provoked assault, criminal act or suicide.
Natural causes.
Injuries arising from a non-Equity related occupation.
Drug abuse.
War and/or terrorism.
The following are excluded unless undertaken whilst performing, rehearsing, practising or training in connection with a professional performance in film, television, theatre and variety and the like:
Mountaineering or rock climbing.
Riding driving in any kind of race.
Duelling or fighting.
Aeronautics or aviation other than as a passenger.
How to make a claim
In the unfortunate event that you need to make a claim, please contact First Act Insurance soon as possible. Please note that late notification can lead to claims being repudiated.
The Backstage Cover Policy Summary
What type of incident is covered?
This policy covers loss or damage to personal effects whilst performing or rehearsing at any theatre, film studio etc including commuting to and from the above by any means excluding losses from an unattended vehicle unless the item is kept in a locked boot or compartment.
Is there an excess or deductible?
Yes, the policy excludes the first £10 of a claim.
Are payments made on incidents occurring outside of the UK?
Yes. The policy covers incidents occurring worldwide.
What are the benefits if I do have a loss insured by this policy?
The policy limit is £500 subject to a single article limit of £100. There is no single article limit for musical instruments.
What are the principal exclusions?
Loss or damage to the following are excluded:
Jewellery
Cameras
Radios
Furs and/or fur coats
Bank notes and credit cards
Mobile phones
Personal hi-fis, computer games
Spectacles and or contact lenses
The first £10 of any claim
Wear and tear, depreciation, moth, vermin, atmospheric or climatic conditions or any other gradually operating cause.
Mechanical or electrical breakdown or derangement.
War, nuclear and pressure waves risks.
How to make a claim
In the unfortunate event that you need to make a claim, please contact First Act Insurance soon as possible. Contact details are listed below. Please note that late notification can lead to claims being repudiated.
Performers Accident MRI/RIB Cover
This cover is an extension to the Equity Personal Accident Cover.
It has been devised to be an extra benefit for Equity members that run more risk of injury than other members.
Some injuries can only be fully assessed using costly scanning equipment not readily available on the NHS. To assist with a swift recovery this insurance policy makes provision for cover of up to £1000 in respect of the cost of either a MRI (magnetic resonance imaging scan) or RIB (radio isotope bone scan) if appropriate and associated expenses following a work related accident.
You can apply for this insurance by calling Equity on 0207 379 6000 and paying £10.50 for the year.
Policy Questions and Answers:
How is “accident” defined in this policy?
“Accident” means a sudden, unexpected, unusual, specific event, which occurs at an identifiable time and place.
Who qualifies?
Equity members in full benefit and who have completed an application for the Performers Accident MRI/RIB Cover and paid the required premium.
When does the cover operate?
Whilst performing or rehearsing on an Equity contract or Equity approved guidelines.
Are there any injuries not covered by this policy?
Yes, any injury involving a pre-existing injury, physical weakness, defect or disease or otherwise excluded by the policy. Injuries not requiring either a MRI or RIB Scan are not covered by this insurance. (If you do sustain such an injury you should refer to the terms and conditions of the Equity Members’ Accident Cover).
When will I be entitled to the benefit?
Once your GP or Consultant has assessed that your injury requires further exploratory investigation following an accident covered by this policy.
How do I claim?
You must contact Equity and we will send you a claim form to complete. This should be returned together with a statement from your Consultant confirming that effective treatment can only be prescribed once a MRI or RIB scan has been undertaken. The claim form must be countersigned by a senior representative of your employer. Once you send in all this you will be contacted with authority to proceed with the scan.
What is the annual cost of this cover?
For those now joining the scheme the cost is £10.50 – payable on signing up to the scheme and thereafter annually.
How is the insurance renewed?
Your will receive an annual letter from Equity with details of how to renew this insurance.