Insurance Cover for Schools, Colleges and Universities
Liability cover is not arranged by the RFU for schools and colleges; cover for these must be provided by the educational establishment to which they belong.
Cover for university clubs is also not included as insurance protection should be arranged by the university. There will be occasions, however, where the club is part of a university (e.g. a faculty team) but not insured under the wider university insurance policy. If this is the case, your club may be covered under the RFU policy. For clarification, please contact Howden.
Personal Accident Insurance
Players in school, college and university teams are covered by the RFU's Personal Accident insurance cover in the same way as club players.
The policy, arranged with RSA, provides fixed benefit payments for death and permanently disabling or catastrophic injuries, such as a traumatic brain injury or spinal injury, caused as a result of an accident that occurs whilst you are taking part in the sport.
Cover is not included for sickness or injuries resulting from a medical condition. Cover is also not included for loss of income if you are temporarily injured. If you feel that such cover is required we recommend that you take out an additional policy that is appropriate for your needs.
More details of the Personal Accident insurance can be found here.