If you would like to apply for AoR insurance please fill in the AoR insurance proposal form available to download from www.alanboswell.com/aor and return to Alan Boswell Insurance & Financial Services Group at High Street, Attleborough, Norfolk, NR17 2EH. You can alternatively call us on 01953 455600
NB: Insurance is not available to Friend members

No, your AoR insurance is invalid without current Student, Full or Conditional membership of the AoR.

You will receive separate renewal notices for your membership and your AoR insurance.

It is a condition that all Full members living in the UK must have insurance. If you do not have insurance, you can purchase the AoR Insurance by filling in the AoR insurance form and returning it with your renewal. If you do not purchase AoR insurance and do not have your own insurance the AoR will NOT be able to process your application/renewal.

If you want to change your insurance policy from Basic to Special or Teaching, please contact one of the team at Alan Boswell Insurance Brokers. Contact details are shown on the "Contacts" page.

Yes, the full policy document is available for download on the website www.alanboswell.com/aor.

Teaching insurance is only available for accredited AoR tutors.
All accredited centres must have insurance to cover their business activities.
Centres can opt to take out the AoR's Teaching insurance or can find alternative cover.
Alternative insurance policies need to cover public liability and professional indemnity for the premises, the relevant staff and the educational service that they provide.
Only accredited centres are eligible to take out AoR Teaching Insurance.
AoR Teaching insurance covers professional indemnity in the tutor's professional educational role.
AoR Teaching insurance also incorporates the AoR's Basic and Special insurance and covers the individual named on the policy for professional practice as a therapist.
AoR Teaching insurance can only be taken out in the name of an accredited tutor who is an active Full member.
A tutor covered by AoR Teaching insurance is also covered for teaching other therapies provided they have a relevant qualification for that therapy.

Cover prior to 31/12/06 was on a 'Claims made' basis therefore any claims made after the expiry date are not covered. However if you have had continous insurance under the AoR scheme for a period of 3 years, and renew your policy, the new insurers Royal & SunAlliance are providing 36 months restrospective cover so any claims made for this period will be dealt with by them.

These are covered by the policy, but cover is not provided for the recipient to practice on other people. (i.e., The policyholder is covered but those receiving the demonstration/talk are not covered to practice on others attending the event.)

Yes, this is covered.

Yes, this is covered.

Yes, cover is provided, but claims arising from any condition directly or indirectly caused by or associated with this condition are excluded.

The selling of products is excluded, other than, sale, supply or prescription of any preparation in connection with the treatment of a client.

Following a remarketing exercise Royal & Sun Alliance offered several benefits not previously available to members:-

1. Stability of pricing
2. No policy excess for public liability cover (previously £250)
3. Worldwide jurisdiction
4. "Losses occurring" basis of cover rather than "Claims made"
5. Temporary cover abroad
6. Optional extensions to cover: Business Equipment, Personal Accident, Business Interruption and Employer’s Liability

Cover has previously been on a "Claims made" basis. This is the normal type of wording for medical malpractice cover. However the limitations are that a claim must be made whilst the policy is still in force. If you did not renew your insurance and a claim was reported or initiated thereafter (eg one month later) the claim would not be covered by insurers as the policy had lapsed. Claims have to be made during the period of cover.

On a "Losses occurring" basis as long as cover was in force when the incident happened then subject to the policy wording, terms and conditions the claim would be dealt with by insurers.

To safe guard members during the transition from claims made to losses occurring we have arranged a 36 month period of retrospective cover for members previously insured under the AoR scheme. This means that members who have maintained their insurance via the AoR for the last 3 years will have cover for any claims reported for that period.

The previous policy contained a restriction whereby any disputes (or claims) had to be heard in a UK court, this is said to be subject to "UK Jurisdiction".

The new policy extends this cover to include non-UK courts though claims will still be subject to English Law (so called "Worldwide Jurisdiction"). This gives increased protection to AoR members practicing outside the UK.

The new policy automatically provides cover whilst abroad up to 6 months providing a UK residence is maintained.

There are 4 new sections of cover available as an extension to the liability insurance. These covers are:

Business equipment including computers, sum insured £2,500
"All Risks" cover, any where in UK / Europe.
Theft cover in vehicles is provided subject to the equipment being kept out of sight in a locked boot / glove compartment
Annual cost £60 (including tax and a £7.50 fee)

Personal Accident Cover - benefit provides a lump sum or weekly payment following a personal accident respect of:
Death and capital benefits £10,000
Temporary Total Disablement (e.g., broken leg/ arm / loss of limbs) £100 per week - payable for 104 weeks
7 day deferred period applies to temporary total disablement
Annual cost £30 (including tax and a £4.00 fee)

Business Interruption Cover
Additional cost of working up to £10,000 (subject to Business Equipment being insured under same policy).

This section covers the additional costs incurred following an insured claim to your business equipment or place of work such as renting an alternative place of work, purchasing stock / equipment at higher costs due to immediate replacement being required, costs of notifying clients of change venue / contact details.

Annual cost £30 (including tax and a £3.75 fee)

Employers Liability Cover
It is a legal requirement to effect liability insurance for any employees (including voluntary staff / trainees)
Limit of indemnity £10,000,000
Based on wage roll of up to £20,000 per annum
Annual cost £90 (including tax and a £11.25 fee)

Please note that the costs shown are for UK based members only
Members from the Republic of Ireland should contact us for rates

A fuller description is given in the "Summary of Cover". For further information on these covers, please contact us.

You will not receive new documentation until renewal. However the new policy wording, summary of cover and key policy changes are available on the website if you wish to view or down load these.

The fee shown is refunded directly to the AoR to help meet the running costs of the Association.

The AoR is a non profit making organisation and all income (from insurance and other activities) is used to help the AoR meet its aims, namely: "the promotion of reflexology; distribution of information; support of its members and the promotion of a valuable service to the public."