Theft & Vandalism Insurance

Protect your sports club against theft, malicious damage & vandalism

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

Theft & Vandalism Risks for Sports Clubs

Sports clubs are frequent targets for theft and vandalism. Grounds are often unattended overnight, equipment is stored on site, and many clubhouses contain valuable stock, cash, alcohol and machinery.

From stolen grounds equipment and damaged pavilions to vandalised changing rooms and broken windows, theft and malicious damage can cause significant disruption and unexpected costs.

Theft & Vandalism Insurance helps protect sports clubs against financial loss following criminal damage, break-ins and deliberate acts of vandalism.

What Does Theft & Vandalism Insurance Cover?

Theft & Attempted Theft


Theft insurance covers loss or damage following forced or violent entry to insured premises.

  • Stolen sports equipment
  • Theft of grounds machinery
  • Bar stock, alcohol and tills
  • Changing room and storage theft
  • Damage caused during break-ins

Vandalism & Malicious Damage


Vandalism insurance protects clubs against deliberate damage to buildings and property.

  • Broken windows and doors
  • Graffiti and defacement
  • Damaged pavilions and clubhouses
  • Sabotage to equipment or facilities
  • Damage to pitches and grounds structures

What Can Be Protected?

Buildings, Fixtures & Fittings


  • Clubhouses and pavilions
  • Changing rooms and toilets
  • Doors, windows and shutters
  • Bars, kitchens and storage areas
  • Boundary fencing and gates

Equipment & Contents


  • Sports kit and training equipment
  • Grounds machinery and tools
  • Scoreboards and sight screens
  • IT equipment and POS systems
  • Furniture and club assets

Security Requirements & Risk Management

Theft and vandalism cover is often subject to minimum security standards. These are designed to reduce risk and protect your club.


  • Approved locks and key control
  • Intruder alarms (where required)
  • Secure storage for machinery
  • CCTV or lighting (recommended)
  • Fencing and controlled access

Why Accurate Declarations Matter


Insurers assess theft risk based on location, occupancy, security measures and previous claims. Declaring security arrangements accurately helps avoid claim disputes and ensures cover responds when needed.

FREQUENTLY ASKED QUESTIONS

+-

+- Does sports club insurance cover theft?

Theft cover can be included within a sports club insurance policy, subject to security requirements and policy terms.

+- Is vandalism automatically covered?

Vandalism and malicious damage are usually included under property damage sections, but limits and conditions apply.

+- Does cover apply if equipment is stored outside?

Some policies allow cover for equipment stored outdoors if security conditions are met and the items are declared.

+- Are grounds machines covered?

Yes. Grounds machinery can be insured against theft and malicious damage, subject to values and security requirements.

+- Can theft claims affect future premiums?

Yes. Claims history can influence premiums and terms. Improving security may help reduce future costs.

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