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RFU Summary of Insurance
SUMMARY OF PERSONAL ACCIDENT PROTECTION FOR PLAYERS
The Rugby Football Union arranges protection at its discretion for and on behalf of affiliated clubs and/or
constituent bodies and/or schools and/or referee societies and any other club, team or group which carries the
approval of the Rugby Football Union.
Note: it is most important that anyone who may play rugby union or parents of children who play rugby
union and who may wish to take advantage of this protection at some point in the future understand that
this scheme only covers permanent total disability as summarised below and should not be considered a
substitute for general protection in the case of injury. It is recommended that additional personal
protection should always be considered which is readily available from the insurance market.
· Who is covered and when does cover apply:
o Any player, manager, assistant manager, coach, medical attendant or physiotherapist playing or training
and while travelling to or directly from an organised fixture by coach, train or aeroplane as part of an
organised party.
o Match officials, adjudicators or selectors while engaged in official duties and whilst travelling to or from
their place of residence provided at all times travel is direct.
o Any elected officer, regional representative or council member of the Rugby Football Union while
engaged on the business of the Rugby Football Union and whilst travelling to or from their place of
residence provided at all times travel is direct.
· Where does cover apply – anywhere in the world
· Who is not covered – any person participating in any rugby activity which does not carry the approval of
the Rugby Football Union.
· What is not covered – temporary injury, loss of earnings, medical expenses, legal expenses or any
other type of injury not mentioned below.
Benefits
18 & Over 16 & Over 15 & Under
1) Death £50,000 £20,000 £10,000
2) Loss of one limb/eye £25,000 £25,000 £25,000
3) Loss of two limbs/eyes £250,000 £250,000 £250,000
4) i) Permanent Total Disablement from
usual Occupation
£50,000 £50,000 No Cover
ii) Catastrophic Injury leading to
Permanent Disability as defined in the
terms and conditions of the scheme
All ages with tiered benefits up to a maximum £500,000
Services Personnel – members of the armed forces, police, fire or prison services
4) i) is replaced with the following benefit
16 & Over
4 a) The injured person has a specialist trade and is unable to perform a similar
trade outside the service due to the injury or because the trade is not performed
outside the service
£50,000
b) When the injured person has no specialist trade within the service and is
demoted or medically discharged from the service because of the injury OR when
the insured person has a specialist trade and whilst able to carry out the same or
similar trade outside the service is discharged from the service because of injury
£25,000
Permanent Total Loss of: All Individuals who are in full time education under
the age of 25, unmarried and dependent
Intellectual Capacity £100,000
Use of Thumb, Shoulder or Elbow £25,000
Use of Wrist, Hip, Knee or Ankle £20,000
Use of Kidney £15,000
Use of Lung £50,000
For any permanent disability not specified above, please refer to the policy wording or contact the Marsh
Claims Department.
This document is a summary only and all protection is subject to detailed terms and conditions of
which more details are available on request.
The Rugby Football Union arranges protection at its discretion for and on behalf of affiliated clubs and/or
constituent bodies and/or schools and/or referee societies and any other club, team or group which carries the
approval of the Rugby Football Union.
Note: it is most important that anyone who may play rugby union or parents of children who play rugby
union and who may wish to take advantage of this protection at some point in the future understand that
this scheme only covers permanent total disability as summarised below and should not be considered a
substitute for general protection in the case of injury. It is recommended that additional personal
protection should always be considered which is readily available from the insurance market.
· Who is covered and when does cover apply:
o Any player, manager, assistant manager, coach, medical attendant or physiotherapist playing or training
and while travelling to or directly from an organised fixture by coach, train or aeroplane as part of an
organised party.
o Match officials, adjudicators or selectors while engaged in official duties and whilst travelling to or from
their place of residence provided at all times travel is direct.
o Any elected officer, regional representative or council member of the Rugby Football Union while
engaged on the business of the Rugby Football Union and whilst travelling to or from their place of
residence provided at all times travel is direct.
· Where does cover apply – anywhere in the world
· Who is not covered – any person participating in any rugby activity which does not carry the approval of
the Rugby Football Union.
· What is not covered – temporary injury, loss of earnings, medical expenses, legal expenses or any
other type of injury not mentioned below.
Benefits
18 & Over 16 & Over 15 & Under
1) Death £50,000 £20,000 £10,000
2) Loss of one limb/eye £25,000 £25,000 £25,000
3) Loss of two limbs/eyes £250,000 £250,000 £250,000
4) i) Permanent Total Disablement from
usual Occupation
£50,000 £50,000 No Cover
ii) Catastrophic Injury leading to
Permanent Disability as defined in the
terms and conditions of the scheme
All ages with tiered benefits up to a maximum £500,000
Services Personnel – members of the armed forces, police, fire or prison services
4) i) is replaced with the following benefit
16 & Over
4 a) The injured person has a specialist trade and is unable to perform a similar
trade outside the service due to the injury or because the trade is not performed
outside the service
£50,000
b) When the injured person has no specialist trade within the service and is
demoted or medically discharged from the service because of the injury OR when
the insured person has a specialist trade and whilst able to carry out the same or
similar trade outside the service is discharged from the service because of injury
£25,000
Permanent Total Loss of: All Individuals who are in full time education under
the age of 25, unmarried and dependent
Intellectual Capacity £100,000
Use of Thumb, Shoulder or Elbow £25,000
Use of Wrist, Hip, Knee or Ankle £20,000
Use of Kidney £15,000
Use of Lung £50,000
For any permanent disability not specified above, please refer to the policy wording or contact the Marsh
Claims Department.
This document is a summary only and all protection is subject to detailed terms and conditions of
which more details are available on request.