EKRFC – Rugby Accident Insurance Scheme 2013-14
Compulsory Insurance Policy
EKRFC, with Scottish Rugby’s financial assistance, has a Personal Accident insurance policy for all our players, coaches, managers, club officials, physiotherapists, doctor, ball boys/girls, including minis, midis and senior players when participating in rugby (playing, coaching or training) as part of an insured team. This includes travelling to/from matches (but not travel to training or coaching sessions) and attending meetings on club business. The cover is for Accidental Death & Disability
You can find out more about the details of, and sums covered under the, policy, by clicking here.
Age limits are:
• 4-16 (mini/midi);
• Playing members 16-55;
• Non-playing members 7-75.
Under the policy, no cover is provided for temporary loss of earnings arising from a rugby related injury. This may however be provided under the Temporary Total Disablement Policy described below.
Temporary Total Disablement Policy
For the first time, the Club has taken out the optional Temporary Total Disablement Insurance available under Scottish Rugby for the 1st XV. This applies to anyone playing/training as part of our 1st XV squad. Any EK players playing for Strathaven RFC will be covered on the same basis under Strathaven’s separate Temporary Total Disablement Insurance Policy.
Under the Optional benefit, any qualifying person will receive:
1. During the first six weeks (the deferment period) following injury, where the individual is wholly prevented from attending his/her usual occupation, further education courses or seeking employment, the benefit payable is £25 a week and will be paid subject to a signed declaration from the player confirming his/her total incapacity.
2. After the deferment period, for those individuals who are in employment and continue to be wholly prevented from attending his/her usual occupation, the benefit payable is their weekly wage up to a maximum of £200 a week. (Note: the benefit payable after the deferment period does not apply to students or those not in employment)
If anyone needs to claim, or thinks they may be eligible, under the EK policy, please let me know as soon as possible.
Serious Injury Report Form
The Club is required to notify the Scottish Rugby – via a serious injury report form – if any player as a result of a rugby injury:
• attends hospital and/or is required to attend a follow up;
• is admitted to hospital and/or stays overnight;
• in the event of a fatality.
Under the Temporary Total Disablement Benefit, completion of the serious injury form is required for anyone injured and likely to be prevented from engaging in their usual occupation for more than 6 weeks, regardless of whether they had to attend hospital or not
The serious injury form is available through the online Player Registration system. Contact me or your coach if you think one should be completed.
Public Liability Insurance
Scottish Rugby arranges for clubs Public Liability Insurance to cover the risks of playing, training, coaching or officiating rugby for a limit of £25,000,000. The policy responds to legal liability for accidental bodily injury to a third party or accidental damage to their property arising during a match, training session or practice game.
Cover includes the following: SRU member clubs/teams; players; coaching personnel/instructors; Development Officers; Referees and other match officials; Voluntary Medical Attendant* (*the policy does not cover qualified medical staff, physiotherapists etc unless providing emergency first aid during a match. Anyone providing subsequent injury treatment or rehabilitation should hold appropriate medical Malpractice insurance.
A slightly more detailed note about Public liability Insurance is available if you click here.
I am happy to try to answer any queries anyone may have about any aspects of the cover described above.
8 September 2011
Tel: 01355 226349 (h)
07788 443363 (m)