Personal Accident Insurance for Sports Club Members

Financial protection for players, members, coaches and volunteers if an accident occurs

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We arrange personal accident cover with specialist UK insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich

What Is Personal Accident Insurance for Sports Clubs?

Personal accident insurance provides financial compensation to individuals if they suffer an accidental injury while taking part in club activities. Unlike liability insurance, which covers claims made against the club, personal accident insurance is designed to support the injured individual directly.

For sports clubs, this type of cover is commonly arranged to protect players, members, coaches, officials and volunteers against the financial impact of injuries sustained during training, matches, competitions or organised club events.

Insure24 arranges personal accident insurance tailored specifically for sports clubs, ensuring appropriate benefit levels, age limits and activity definitions are in place for your sport.

Why Personal Accident Insurance Is Important for Members

Sports participation always carries a risk of injury. Even with the best coaching, supervision and safety standards, accidents can and do happen.

While public liability or employers’ liability insurance may respond where the club is legally liable, many injuries occur without fault. In these cases, personal accident insurance provides a vital safety net.

  • Provides financial support during recovery
  • Pays benefits regardless of fault
  • Supports members who are self-employed or unpaid
  • Demonstrates duty of care by the club
  • Often required by leagues or governing bodies

What Does Personal Accident Insurance Cover?

Personal accident insurance provides fixed benefit payments following accidental bodily injury. Cover is usually triggered by injuries sustained during authorised club activities.

  • Accidental death benefit
  • Permanent total or partial disability
  • Loss of limbs, sight or hearing
  • Broken bones and fractures
  • Temporary total disablement
  • Weekly benefit during recovery periods
  • Medical expenses (optional extensions)

Benefit levels are pre-agreed and paid directly to the injured individual, offering clarity and certainty at claim stage.

Who Can Be Covered Under Personal Accident Insurance?

  • Registered club members
  • Players and participants
  • Coaches and instructors
  • Match officials and referees
  • Volunteers and helpers
  • Committee members (when participating)
  • Youth and junior members (subject to age limits)

Common Personal Accident Claims in Sports Clubs

Personal accident claims are often straightforward and relate to everyday sporting injuries, such as:

  • A player breaking a leg during a competitive match
  • A member suffering a serious ligament injury in training
  • A volunteer sustaining an injury while helping set up equipment
  • An official injured while officiating a fixture
  • A junior player fracturing an arm during supervised play

In each case, personal accident insurance can provide financial support without the need to prove negligence or liability.

How Much Does Personal Accident Insurance Cost?

The cost of personal accident insurance for sports clubs depends on factors such as:

  • Type of sport and level of physical risk
  • Number of members to be covered
  • Age ranges of participants
  • Benefit limits selected
  • Whether cover applies worldwide or UK-only

Personal accident insurance is often included within a wider sports club insurance package, making it a cost-effective addition to your overall protection.

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Personal Accident Insurance – FAQs

+-Is personal accident insurance compulsory?

No, it is not legally required, but it is strongly recommended for sports clubs and often expected by members and governing bodies.

+-Does it cover injuries where no one is at fault?

Yes. Personal accident insurance pays benefits regardless of fault or liability.

+-Is this the same as public liability insurance?

No. Public liability protects the club against claims, while personal accident insurance pays benefits directly to injured individuals.

+-Are junior members covered?

Yes, junior members can be covered, subject to age limits and policy terms.

+-Does cover apply during away matches?

Yes. Cover usually applies during training, home fixtures, away matches and organised events.

+-Can we choose benefit levels?

Yes. Benefit amounts and weekly payments can be tailored to suit your club’s needs and budget.

+-Is cover available as part of a combined policy?

Yes. Most clubs include personal accident insurance within a combined sports club insurance policy.

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