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football team personal accident - scotland

There's no substitute for our personal accident insurance...

If you become injured whilst participating in a club/team activity you can incur significant financial losses as a result. Personal accident insurance can help offset some of these unexpected expenses. Protect your players, committee members, managers, trainers and assistant referees/officials in the event of a personal injury.

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When does cover apply?

  • Whilst at any ground or premises worldwide (exclusions apply)
  • Where there is an agreed fixture or training
  • Includes travelling directly to and from such activities. 
  • In addition the policy cover has been extended to include club social events (please see exclusions).
  • The life cover is included and operative whilst training and playing football matches only.

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VIEW POLICY WORDING

VIEW AGE LIMITATIONS

Who is covered?

We have policies designed for both adult and youth teams.  The policy automatically includes:

  • players
  • trainers
  • committee members
  • club officials
  • managers.

The maximum age limit for players is 55 and club officials 75 years of age. If you have any players and officials above this age the policy will provide a reduced level of cover.

Life Cover will commence at attainment of 6 years of age and will cease at attainment of 50 years of age.
Adult Team - STANDARD
Adult Team - Premier
Youth team - PREMIER

Adult team STANDARD benefits

  • Life cover
  • Accidental death
  • Permanent Total Disablement
  • Loss of limbs, hearing, speech, internal organ
  • Tetraplegia/quadriplegia
  • Triplegia/paraplegia
  • Miscarriage
  • Emergency dental expenses
  • Hospitalisation
  • Coma benefit
  • Emergency medical expenses
  • Extra travelling expenses
  • Home/car adaptation
  • Rehabilitation and retraining

Adult team PREMIER benefits

Includes all the benefits provided by the Adult team - STANDARD policy plus:

  • Broken bones
  • Primary dislocation
  • Snapped/ruptured achilles tendon, Cruciate ligament
  • Long term concussion
  • Monthly benefit (TTD) - choose up to £600 pm
  • Home help
  • Student not in gainful employment benefit
  • Student tutorial benefit
  • Childcare expenses
  • Chauffeur expenses
  • Exam re-sit
  • Legal advice and counselling helplines
  • Facial and bodily scarring
  • Medical certification expenses
  • Additional options to include physiotherapy, dental accident and increase life and broken bones sums insured.

Youth team premier

  • Life cover
  • Accidental death
  • Permanent Total Disablement
  • Loss of limbs, hearing, speech, internal organ
  • Broken bones
  • Primary dislocation
  • Snapped/ruptured achilles tendon, cruciate ligament
  • Monthly/weekly (TTD) benefits for club/team officials
  • Home help
  • Coma benefit
  • Student not in gainful employment
  • Emergency medical expenses
  • Emergency dental expenses
  • Hospitalisation
  • Extra travelling expenses
  • Home/car adaptation
  • Rehabilitation and retraining
  • Legal advice and counselling
  • Facial and bodily scarring
  • Medical certificate expenses
  • A range of additional options such as physiotherapy and increased life cover.

Our youth team PREMIER 'Gold' and 'Platinum' covers can also include

  • Tetraplegia/Quadriplegia
  • Triplegia/Paraplegia
  • Miscarriage
  • Long term concussion
  • Increased sums insured for broken bones, medical and dental expenses.

Frequently Asked Questions

Q
Why have personal accident insurance?
A
This insurance can pay out a set amount if someone is injured in an accident and the payout can be a lump sum or a weekly amount (depending on the level of cover you choose).

It ensures all participants have protection in the event of an injury and because this is a non negligence cover it can help reduce litigation in the game, because unlike a liability policy you do not have to find someone to be at fault for an injury to receive compensation.

Q
When does cover apply?
A
  • Whilst at any ground or premises worldwide (please see exclusions)
  • Where there is an agreed fixture or training
  • Includes travelling directly to and from such activities.
  • In addition the policy cover has been extended to include club social events (please see exclusions).
  • The life cover is included and operative whilst training and playing football matches only.
Q
Who is covered?
A

We have policies designed for both adult and youth teams. The policy automatically includes:

  • players
  • trainers
  • committee members
  • club officials
  • managers.

The maximum age limit for players is 55 and club officials 75 years of age. If you have any players and officials above this age the policy will provide a reduced level of cover. 

Life Cover will commence at attainment of 6 years of age and will cease at attainment of 50 years of age

Q
What are the significant policy exclusions?
A
  • lnfluence of alcohol, solvents, drugs or medication unless prescribed.
  • Being a professional footballer.
  • Illness or sickness
  • Any claim attributable either to arthritic or other degenerative conditions in joints, bones, muscles, tendons or ligaments.
  • Repetitive stress (strain) injury or syndrome.
  • Claims as a direct result of being a member of the armed forces.
  • Engaging in a criminal act, riot or civil commotion.
  • Club social events that include fireworks, bonfires, driving events, bouncy castles, water sports or any activity above 3 metres off the ground.
  • Travel to a specific area against advice issued by the Foreign and Commonwealth Office.
Please see the policy wording for full details of exclusions.
Q
How do I purchase cover?
A

You have two options available if you wish to purchase the policies:

1) Apply online (no administration fee). Instant receipt of documentation & instalment option available.

If you choose to apply online you can:

  • Obtain instant quotations and purchase cover for the new season
  • Pay by debit or credit card or
  • Take advantage of our monthly instalment facility enabling you to spread the costs over 5 monthly instalments. (For premiums of £74 or more and subject to criteria and acceptance)
  • Download your policy documentation instantly and automatically receive by email.

2) Apply by post (£5 administration fee)

If you choose to apply by post you can either:

  • Download our brochure and return the application form with a cheque.

Or:

  • Apply online and select “pay by cheque” on the payment screen. This method will enable to you print out a pre completed application and will also result in a faster processing of your policy documentation when your postal application and payment is received by Bluefin Sport.

Q
I already have cover with you. How do I renew it?
A
If you are currently insured with us you will receive direct renewal notification from Bluefin Sport either by email (if you provided us with an email address) or alternatively by post. Our renewal notification will explain how you can renew or amend your covers.

GET A QUOTE, LOGIN OR RENEW A POLICY