Can Sports Clubs Reduce Insurance Costs?

Yes - in many cases, sports clubs can significantly reduce insurance premiums without reducing the level of protection they hold. Insurers price sports club insurance based on risk, structure, governance, claims history and how well a club manages safety.

Many clubs unknowingly pay higher premiums due to avoidable issues such as duplicated cover, outdated information, poor documentation or policies that are no longer aligned with how the club operates.

This guide explains practical, insurer-approved ways UK sports clubs can reduce insurance premiums while remaining compliant with legal, league and venue requirements.

Practical Ways to Reduce Sports Club Insurance Premiums

1. Use a Combined Sports Club Insurance Policy

One of the most effective ways to reduce premiums is to consolidate multiple policies into a single combined sports club insurance package. Combined policies reduce duplication and allow insurers to price risk more efficiently.

2. Keep Membership and Staff Numbers Accurate

Overstating the number of members, volunteers or staff can significantly increase premiums. Clubs should review numbers annually and ensure insurers are provided with accurate, current figures.

3. Improve Risk Management & Safety Procedures

Insurers look favourably on clubs with clear risk assessments, safeguarding policies, accident reporting procedures and health & safety controls. Demonstrating good governance can reduce premiums and improve policy terms.

4. Review Claims History and Reporting

Frequent or poorly managed claims increase premiums. Clubs should focus on prevention, proper supervision and early incident reporting to reduce claim frequency and severity.

5. Increase Excess Levels Where Appropriate

Agreeing to a higher policy excess can reduce premiums, particularly for equipment, property damage and minor claims - provided the club can absorb small losses.

6. Secure Facilities and Equipment

Improved security such as locked storage, alarms, lighting and fencing can reduce theft, vandalism and property damage premiums.

How Good Governance Helps Lower Insurance Costs

Clubs with clear constitutions, defined committee roles, safeguarding officers and documented procedures are viewed as lower risk by insurers.

• Written risk assessments and safety policies
• Safeguarding and child protection procedures
• Formal incident and accident logs
• Training records for coaches and volunteers
• Clear disciplinary and complaints processes

Good governance not only reduces premiums but also strengthens the club’s overall resilience.

Common Mistakes That Increase Sports Club Insurance Costs

• Failing to notify insurers of changes to activities
• Paying for cover that overlaps across multiple policies
• Using generic policies not designed for sports clubs
• Not reviewing insurance annually
• Poor claims documentation or late reporting

When Should a Sports Club Review Its Insurance?

Clubs should review insurance at least annually and whenever there is a material change, such as:

• Growth in membership or teams
• Introduction of youth or junior sections
• New facilities, equipment or venues
• Changes to staffing or volunteer roles
• Hosting events or tournaments