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Insurance

Find out more about the different levels of insurance cover

There are three mandatory insurance policies in place covering Public Liability, Personal Accident and Death by Natural Causes.

Experience over many years has shown the only way to ensure all clubs have appropriate insurance protection is for cover to be arranged on a compulsory basis in this way. 

 Although permanently disabling injuries are thankfully rare in Rugby League the financial implications of such injuries can be very significant and it is recommended that players and clubs consider whether additional cover is appropriate for their own personal circumstances.

NEWLY FORMED CLUBS/TEAMS

Cover can be obtained by contacting the RFL’s Community Game delivery team by e-mail: operations@rfl.co.uk.   

An agreement has been reached with Chubb that there is a staged approach for new clubs/teams. 

  YEAR 1*  All new teams are covered free of charge 

  YEAR 2* New teams are covered at 50 per cent of annual premium 

  YEAR 3 Team/Club should be enrolled for the full premium and receiving full cover 

*Please note that the Death by Natural Causes premium will still be payable in full. Men’s £50.26, Under 18, Under 17 and Women’s £29.70, Under 16 and below £11.42.

INSURANCE PREMIUMS

Public Liability Per Club: £221.35

Men’s: *£210.98 per team 

Under 18, Under 17 and Women: *£67.48 per team 

Under 16 and below: *£49.20 per team

*includes Death by Natural Causes Premium

PUBLIC LIABILITY INSURANCE

Public Liability Limit of Indemnity £10,000,000 any one claim.
Products Liability Limit of Indemnity £10,000,000 any one period of insurance

The public liability policy provides protection for:

  • Clubs
  • Leagues
  • Players
  • Committee members
  • Coaches
  • Volunteers (including first aiders)

The Public Liability policy covers any Rugby League activity conducted by the club including sports and social activities directly connected with Rugby League and products supplied by the club. Cover also includes tenants’ liability if you do not own your ground. 

Any clubs with separate Public Liability policies that do not undertake any non-Rugby League activities should contact Ian Roberts at Bartlett Insurance Brokers who can provide confirmation of cover to assist in providing evidence that the other policy is not necessary.

PLAYER TO PLAYER COVER

Limit of indemnity is £10,000,000 in the aggregate for all claims under the policy in any one period of insurance. The RFL have once again included Player to Player Liability cover. This covers the liability of one player for injury caused to another player during the course of a match or whilst training.

It also insures the liability of coaches and match officials for player injuries arising during playing/training. The cover responds to the cost of any damages arising from a claim and also the often-substantial costs of a legal defence in the courts.

PERSONAL ACCIDENT

This policy covers Accidental Death and Permanent Total Disablement from any occupation and as such only provides cover for catastrophic injuries. The benefit levels are highlighted in the tables below. Due to the basic level of the mandatory policy additional cover is available for amateur players and/or teams to top up this cover. Members should contact Ian Roberts at Bartlett Insurance Brokers for further details.

DEATH BY NATURAL CAUSES

A death occurring during a game is more likely to be a result of natural causes than from an accident, and the claims experience bears this out. Each of these have resulted in a benefit payment being made under the relevant death by natural causes policies.

As these payments have been greater than the premiums received the premiums have increased gradually over the last few years. 

The current benefit is £25,000 for those 18 and over and £10,000 for those under 18.

Summary of mandatory personal accident benefits

Benefit Under 16 Over 16
Accidental Death £20,000 £50,000
Permanent total disablement from gainful employment from any and every kind £250,000 £250,000
Permanent total disablement from any gainful occupation for which they are fitted by way of training, education or experience £250,000 £250,000
Permanent loss of sight in one eye* £50,000 £50,000
Loss of use of one or more limbs £50,000 £50,000
Permanent and total loss of speech £50,000 £50,000
Permanent and total loss of hearing in both ears £50,000 £50,000
Permanent and total loss of hearing in one ear £20,000 £20,000
Loss of Internal Organs - Spleen and/or Kidney(s) £10,750 £10,750
Additional benefit in the event of Paraplegia £75,000 £75,000
Additional benefit in the event of Quadriplegia £125,000 £125,000

*The benefit is doubled in the event of loss of sight in both eyes resulting from the same incident

Reporting Injuries

In the event that the club needs to make a claim then please contact the RFL’s Operations Department via e-mail operations@rfl.uk.com.

The RFL’s Operations Department will then contact the insurers to inform them of the injury and request that a claim form is submitted.