Bradford Dudley Hill RLFC

INSURANCE PREMIUMS 2012

BRADFORD DUDLEY HILL RLFC


The RFL have negotiated with the insurers and have agreed the following renewal premiums for the 2012 season which runs from the 1st May 2012 to the 30th April 2013:-

Public Liability Insurance (including player to player cover) £84.80 per club

Public Liability Limit of Indemnity £50,000,000 any one claim
Products Liability Limit of Indemnity £50,000,000 any one period of insurance

The public liability policy provides protection for:

• Clubs;
• Leagues;
• Players
• Committee members;
• Coaches; and
• Volunteers (including first aiders).

The Public Liability policy covers any Rugby League activity conducted by the Club including sports and social activities directly connected with Rugby League and products supplied by the Club. Cover also includes tenants’ liability if you do not own your ground. Any clubs with separate Public Liability policies that do not undertake any non-Rugby League activities should contact Ian Roberts at Bartlett Insurance Brokers who can provide confirmation of cover to assist in providing evidence that the other policy is not necessary.

Player to Player cover
Limit of indemnity is £10,000,000 in the aggregate for all claims under the policy in any one period of insurance.

The RFL have once again included Player to Player Liability cover. This covers the liability of one player for injury caused to another player during the course of a match or whilst training. It also insures the liability of coaches and match officials for player injuries arising during playing/training. The cover responds to the cost of any damages arising from a claim and also the often-substantial costs of a legal defence in the courts.

It should be noted that the “player to player” policy would exclude any deliberate acts as these are not insurable.

Personal Accident Insurance
Open age £184.85 per team
Youth/Junior/Women £55.60 per team


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The policy covers Accidental Death and Permanent Total Disablement from any occupation and as such only provides cover for catastrophic injuries. The benefit levels are highlighted in the tables below. Due to the basic level of the mandatory policy additional cover is available for amateur players and/or teams to top up this cover. Members should contact Ian Roberts at Bartlett Insurance Brokers for further details on 0113 259 3529.

TABLE 1: Summary of Mandatory Personal Accident Benefits

Benefit Person Aged Under 16 Person Aged Over 16
Accidental Death £7,500 £50,000
Permanent total disablement from gainful employment from any and every kind £215,000 £215,000
Permanent loss of sight in one eye* £50,000
Loss of use of one or more limbs £50,000
Permanent and total loss of speech £50,000
Permanent and total loss of hearing in both ears £50,000
Permanent and total loss of hearing in one ear £20,000

* The benefit is doubled in the event of loss of sight in both eyes resulting from the same incident

TABLE 2: Summary of Mandatory Death by Natural Causes Benefits

Benefit Person Aged Under 16 Person Aged Over 16
Death (not caused by accident) £7,500 £25,000


Death by Natural Causes Insurance
Open Age £14.50 per team
Youth/Junior/Women £6.00 per team


Newly Formed Clubs/Teams
There is also an agreement in place with the Personal Accident and Public Liability insurers whereby there is a staged approach for new clubs/teams.

Year 1
**All new teams are covered free of charge.

Year 2
**New teams are covered at 50 per cent of annual premium

Year 3
Team/Club should be enrolled for the full premium and receiving full cover.

** Please note that the Death by Natural Causes premium will still be payable in full.





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RFL Contribution
The RFL Community Board has once again agreed to discount the cost of youth and junior insurance based upon the status of your club. These discounts are as follows:-

Clubmark Gold 90%
Clubmark 70%
Partnership Clubs 50%
Other Clubs 30%

The discount is shown on the invoice as RFL contribution and has been deducted from the total where applicable.


If there are any changes to the invoice please contact Community Game Services on 01484 448000.

Yours sincerely

Kelly Barrett
Community Game Services Manager

Tel: 01484 448000
Fax: 01484 545582
E-mail: Kelly.barrett@rfl.uk.com