HRFU

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INSURANCE

The details given in this document have been taken from the RFU Website but should only be taken as guidelines. The RFU Website should be consulted for full details of the latest cover.

RFU Club Insurance Policies

Policy period - 1^st August 2008 – 31^st July 2009

Details of cover provided by the RFU for Clubs

Personal Accident

The Insured Parties are the Rugby Football Union 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.

·         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.

Benefits

Public and Employers Liability

·         Who is insured – all affiliated clubs (Sections 1, 2 and 3) and their members

·         Who is not covered –

o       any club who is not affiliated to the Rugby Football Union under Sections 1, 2 or 3

o       any services or student clubs except in relation to playing risks

o       Premier Rugby Limited and First Division Rugby Clubs

PUBLIC/PRODUCTS LIABILITY

·         What are you covered for – legal liability for damages in respect of accidental injury of any person and accidental loss of or damage to property in connection with the activities of the club.

·         Where does cover apply – anywhere in the world

·         Indemnity limits for the period of insurance –

o       £5million for any one event

o       Limited to £5million for all events in respect of products liability

o       Limited to £15million for all events across all clubs in respect of playing risks

·         Main exclusions –

o       Any deliberate act

o       The first £250 each and every loss in respect of third party property damage.

o       Claims arising from the use of

§    mechanically propelled vehicles other than when used as a tool of trade on site

EMPLOYERS LIABILITY

·         What are you covered for – legal liability for damages and claimants’ costs and expenses in respect of death, bodily injury or disease sustained by an employee and caused during the period of insurance arising out of and in the course of employment by your rugby club in connection with their activities.

·         Where does cover apply – anywhere in the United Kingdom and temporary visits overseas

·         Indemnity limits for the period of insurance –

o       £10million each and every loss

o       £5million each and every loss in respect of terrorism

Refs and Coaches Liability

·         Who is insured – any person acting as a referee, touch judge, coach, trainer, instructor or voluntary medical attendant during a Rugby Football Union approved activity

·         Who is NOT insured – qualified medical practitioners whilst acting in a medical capacity (i.e. those covered by the General Medical Council).

·         What are you covered for – legal liability for damages in respect of accidental injury of any person and accidental loss of or damage to property in connection with the activities of the rugby club.

·         Where does cover apply – anywhere in the world excluding USA/Canada unless with the written prior authorisation of the Rugby Football Union.

·         Indemnity limits for the period of insurance -

o         £15million for any one event

o         Limited to £15million for all events in respect of products liability

Directors and Officers

·         Who is insured – any person acting as a director, officer, committee member or employee (acting in a managerial or supervisory capacity) of an affiliated Club (Sections 1, 2 and 3).

·         Who is not insured –

o       any external auditor, liquidator, administrator, receiver or solicitor to the Club

o       any person described above acting on behalf of a student or services Club

·         What are you covered for – claims made against the insured in respect of wrongful acts provided that its is first made during the policy period

·         Where does cover apply – anywhere in the world excluding USA/Canada.

·         Indemnity limits for the period of insurance - GBP 10,000,000 all claims first made during the policy period but limited to GBP 500,000 by a single club in the aggregate

Exclusions  – any claim arising from bodily injury, mental anguish or emotional distress, illness, disease or death of any person

Claims notifications – to report a claim please call Marsh Claims on 0131 311 4145 within 7 days

Master policies – This summary provides an outline of the insurance programme.  It does not cover all of the terms, conditions, exclusions and limitations of the policies and is not to be regarded as a substitute for the policies.  To view the full policy wordings, please visit www.rfu.com

Useful contacts – Marsh RFU Clubs Helpline 01732 877647; Email rfu.clubs@marsh.com

E-Mail  web@trojansrugby.co.uk or phone the Club on 023 8061 2400 (Bar) 023 8061 3068 (Admin)      

This page last updated:  01 December, 2011