Sports Equipment & Fixtures Insurance

Protect your sports club’s equipment, fixtures and fittings against theft, damage, vandalism and loss – on site and in use.

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We compare quotes from leading UK sports insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

What Is Sports Equipment & Fixtures Insurance?

Sports Equipment & Fixtures Insurance protects clubs against the cost of repairing or replacing essential equipment, fittings and installed fixtures following theft, damage, vandalism or insured events. For many clubs, the value of equipment represents a significant financial investment and a critical part of day-to-day operations.

From balls, nets and training gear to floodlights, seating, scoreboards and gym equipment, sports clubs rely on physical assets to train members, host matches and generate income. Without appropriate insurance, a single incident could leave a club unable to operate.

Insure24 arranges specialist Sports Equipment & Fixtures Insurance for UK sports clubs of all sizes – from volunteer-run community clubs to large multi-sport facilities.

What Does Sports Equipment & Fixtures Insurance Cover?

Sports Equipment & Portable Assets

  • Balls, bats, rackets and sticks
  • Training equipment and fitness gear
  • Protective equipment and safety padding
  • Portable goals, posts and nets
  • Coaching and referee equipment

Fixtures, Fittings & Installed Items

  • Floodlights and lighting columns
  • Fixed seating and spectator areas
  • Scoreboards and timing systems
  • Changing room fittings and lockers
  • Fixed gym and training installations

Risks Insured

  • Theft and attempted theft
  • Vandalism and malicious damage
  • Fire, storm and flood damage
  • Accidental damage
  • Impact and collision

On-Site & In-Use Cover

  • Equipment stored at club premises
  • Items used during training and matches
  • Temporary storage during events
  • Shared facilities and venues
  • Optional cover for off-site use

Why Equipment & Fixtures Insurance Is Essential for Sports Clubs

Sports equipment is frequently targeted for theft due to its portability and resale value. Floodlights, seating and fixtures are vulnerable to vandalism, weather damage and accidental impact. Replacing these items can be costly and time-consuming, particularly for clubs with limited budgets.

Equipment losses can result in cancelled matches, suspended training programmes and lost income. Insurance ensures your club can recover quickly without relying on emergency fundraising or reserves.

Common Equipment & Fixtures Insurance Claims

Theft & Vandalism

  • Break-ins to storage sheds or containers
  • Stolen training equipment
  • Vandalised seating or scoreboards
  • Damaged floodlights
  • Graffiti and malicious damage

Accidental & Weather Damage

  • Storm damage to lighting and fixtures
  • Flood damage to equipment storage
  • Impact damage during matches
  • Fire or electrical faults
  • Vehicle collisions with structures

How to Value Sports Equipment & Fixtures

Accurate valuation is essential to avoid underinsurance. Clubs should insure equipment and fixtures on a replacement-as-new basis wherever possible.

What Equipment & Fixtures Insurance Does Not Cover

  • Wear and tear or gradual deterioration
  • Poor maintenance or neglect
  • Mechanical breakdown (unless added)
  • Unsecured or unattended items (policy dependent)
  • Items not declared or undervalued

Why Choose Insure24 for Sports Equipment Insurance?

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Frequently Asked Questions – Sports Equipment & Fixtures Insurance

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Is sports equipment insurance mandatory?

It is not legally required, but is strongly recommended for sports clubs due to the high value and vulnerability of equipment and fixtures.

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Does cover apply while equipment is in use?

Yes. Policies can cover equipment while in use during training, matches and events, subject to policy terms.

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Are items stored off-site covered?

Off-site cover can be included if declared. Always confirm storage locations with your insurer.

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How much does sports equipment insurance cost?

Premiums depend on equipment value, security measures and claims history. Many clubs can arrange cover for a modest annual premium.

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Can equipment be insured as part of a combined policy?

Yes. Equipment & fixtures insurance is often included within a combined sports club insurance package.

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