FAQs - Player Insurance

Who is covered by the Player Insurance regulation? The Regulation covers all clubs in membership of the Scottish Rugby Union, all affiliated Scottish schools and visiting clubs/schools during their stay in Scotland.

Club Accident Insurance Scheme : Compulsory Cover

What is the “Compulsory Cover”? The compulsory cover relates to death (other than through natural causes) and catastrophic injuries whilst playing or training with an insured team or club. Catastrophic injuries are significant injuries with enduring effects and range from quadriplegia through to, for example, the permanent loss of a thumb or wrist. Further detail as to the injuries covered, and the associated level of insurance benefit, is provided in the Personal Accident Insurance Summary document.

How is the degree of injury assessed? For injuries resulting from traumatic brain or catastrophic spinal cord injury the level of benefit are assessed using the medically recognised Glasgow Outcome or the ASIA Impairment scales.

Who is covered? The scheme is designed primarily to cover players but extends to cover certain others involved in the game.

Does the player have to be a member of the club? / What if the player hasn’t paid his club subscription? The scheme is based on insured teams. If you play for an insured team you are covered irrespective of whether you are actually a member of the club, have paid this year’s subscription, etc.

How does Scottish Rugby know how many teams a club has to insure? Each club is required to send Scottish Rugby an Insurance Proposal Form each Season. Scottish Rugby’s Bye-Laws require this to be returned no later than 15 September each year.

When does the scheme operate? Players are covered whilst training or playing. Limited benefits may also apply whilst travelling to matches (but not travelling to training).

What are the Age Limits on the Policy? Generally cover runs from age 4 to 59. A range of benefits is also available to those playing under the Golden Oldie Laws up to the age of 79. Please note that if you are over 59 you are not covered to play full contact rugby.

What is the position of players who receive payment/benefits from their club? The playing of rugby as a paid occupation is a policy exclusion. Such players will not benefit from the Permanent Total Disablement (Usual Occupation) section of the Policy. Clubs concerned should make alternative arrangements in respect of such players.

If I receive a temporary injury which prevents me from working will my wages be covered? No, this is not part of the compulsory cover provided. Clubs are able to purchase voluntary temporary disablement cover under a separate part of the scheme.

How are injuries reported? Clubs should use the online injury reporting tool provided on the Scottish Rugby website. In relation to potentially very serious injuries clubs are asked to contact their representative on the Scottish Rugby Council immediately.

Who pays for the Compulsory Cover? Scottish Rugby pays for the entire cost of the compulsory Catastrophic Injury cover.

Club Accident Insurance Scheme : Optional Cover

What is the Optional Cover? The optional cover relates to Temporary Total Disablement. This is where the injury prevents the player from doing his normal occupation for a period e.g. a joiner breaks his arm and is unable to work until it heals.

Do I automatically receive temporary disablement cover? No, it is optional and you will only receive it if it is taken out by your club. Clubs are asked to discuss this decision with their players.

Who pays for the cover? The club pays for the cover. The cost for 2015/16 is £387/team and, if taken out, all adult teams at the club must be covered.

What is the benefit payable? The benefit is £300/week (for up to a maximum of 104 weeks).

There is a 6 week deferment period. What is this? No benefit is payable during the first six weeks after the injury.

What is the position of players who receive payments/benefits from the club? Such players will not benefit from the Temporary Total Disablement section of the Policy as the playing of rugby as a paid occupation is a specific exclusion. Clubs concerned should make alternative arrangements in respect of such players.

Schools’ Personal Accident Insurance Scheme

Are players from other schools playing in our team covered? Yes, guest players are covered by the Scheme.

We would like to play someone who has left school in our team. Will they be covered? They will be covered providing they fall within the correct age limits set out within Scottish Rugby’s Age Banding policies.

Where can I find out more on this topic?

Please contact Scottish Rugby’s Head of Regulation, Graham Ireland, for further information (email: [email protected] ; T: 0131 346 5004).