Accidental Injury Loss of Income
Working with the RFU insurers, we have arranged a scheme for clubs to purchase cover to protect their players' weekly income should they be unable to work as a result of an accidental injury sustained whilst playing for or training with an insured team.
The policy provides a benefit of up to £300 per week or 75% of the players weekly wage (whichever is less).
It is payable for up to 13 weeks, following an initial period of absence from work of 28 days.
Clubs can purchase the insurance to protect players in specific teams, and can choose to buy cover for as many teams within the club as they want. All you need to do is provide us with the club name, the team you want to be covered (i.e. First XV, Second XV, Ladies XV, Vets XV) and the date you want cover to start. Cover can start anytime from the day after instructions are received.
Cover can be arranged at anytime between 01 August and 31 March but runs until 31 July. The premium, per team, is:
Cover purchased between 01.08 and 30.09: £980
Cover purchased between 01.10 and 30.11: £868
Cover purchased between 01.12 and 31.01: £728
Cover purchased between 01.02 and 31.03: £560
(All premiums are per team and include insurance premium tax which is currently 12%)
To arrange cover, club representatives should email Howden or call 0121 698 8001.
If you want to apply, or promote this within your club, please use this information leaflet which also has a proposal form included: