Rugby team insurance is a type of coverage designed to protect against accidents, injuries, or property damage that may occur during training sessions, matches, or other rugby-related activities. It is designed to protect:

• Rugby clubs
• University rugby teams
• Youth or amateur rugby clubs
• Semi-professional players
• Rugby players
• Rugby coaches

Rugby is a physically demanding sport with inherent risks of injuries and accidents. Sports insurance ensures that the team and its members are adequately protected against medical risks involved, as well as the financial burden that may come from medical expenses.

Sports insurance also helps provide peace of mind to players, coaches, and club officials, allowing them to focus on the game without worrying about potential financial repercussions.

No it is not a legal requirement, but many sports governing bodies and leagues require teams to have specific insurance coverage as a condition of participation.

Certain types of coverage, such as employers’ liability insurance, are compulsory. Employers’ liability insurance is mandatory if a rugby club has paid employees or uses volunteers.

Yes, individual rugby players can get their own personal sports insurance coverage. This can be particularly beneficial for players who engage in rugby outside of their club activities or who need additional coverage beyond what the team’s policy provides. Personal sports insurance can cover medical expenses, loss of income, and other related costs resulting from rugby-related injuries.

Yes, sports insurance policies can often be extended to cover rugby teams when playing overseas, but this depends on the specific terms and conditions of the policy. If your team frequently plays overseas matches, you should consult your insurance provider and arrange cover. This might be included, or it might be available by paying a bonus. MediCompare can help you get personalised coverage to fit your unique needs. Get a fast, free quote by clicking here.

Sometimes. Some sports team insurance policies provide coverage for non-playing club officials, coaches, and volunteers. This coverage may include personal accident coverage for injuries sustained while carrying out club-related duties and public liability coverage for claims.

Yes, many do, but this depends on the specific terms and conditions of the policy. This is why you should always inform the insurance provider about the participation of international players to make sure that coverage extends to them and to clarify any extra documents you may need to submit.

Some do! Sports insurance policies for rugby teams may include coverage for player rehabilitation and physiotherapy expenses. This coverage is typically designed to reimburse the reasonable and necessary costs associated with the treatment and recovery of rugby-related injuries. 

Yes, rugby insurance can often cover temporary replacement players when regular team members are unable to participate. This coverage may include personal accident coverage and liability protection for the temporary replacement players during their participation with the team.

Yes, rugby insurance can cover university rugby teams. Many insurance providers offer specific sports insurance policies designed for university sports clubs and teams.

If you need coverage for your university team, you can talk to one of our professional insurance advisors who can match you with the best policy for your needs. Click here to request a callback.

Yes, rugby insurance can often cover non-contact versions of the sport, including touch rugby or other modified versions. The coverage provided may be adjusted to reflect the lower risk of injury associated with non-contact rugby, so you might even save money!

Yes, rugby insurance can cover amateur and recreational rugby teams. Many insurance providers offer sports insurance policies that cater to the needs of amateur and recreational sports clubs and teams, including rugby.