Women's Football Team Insurance

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From professional women’s football clubs to amateur enthusiasts and university squads, players’ health and wellbeing are crucial. Women’s Football Team Insurance acts as a shield against the unpredictable. Reliable coverage means you can pursue your goals without worrying about the uncertainties that come with managing a team.

With every match comes the potential for unexpected challenges. Football is a sport that involves contact, physicality and fast-paced action, so injuries and accidents can’t always be avoided. However, with the right insurance coverage, medical expenses, emergency care, and rehabilitation costs can be managed effectively.

Should injuries occur, this insurance will get your players safely back on the pitch as quickly as possible. Physiotherapy and rehabilitation play a pivotal role in getting players back on their feet and onto the field. With Women’s Football Team Insurance, you can have the peace of mind that the costs of necessary physiotherapy sessions are covered.


We also offer coverage for the following sports teams:

What is Women's Football Team Insurance?

Women’s Football Team Insurance is a comprehensive insurance policy tailored to address the specific risks and needs of women’s football teams and clubs.

It provides coverage for events, activities, and potential liabilities unique to football teams, including player injuries, property damage, and more, for:

  • Women’s football clubs
  • Individual female football players
  • Football coaches
  • Other football officials
  • Volunteers 
What is Women's Football Team Insurance

What Does Women's Football Team Insurance Cover?

Depending on the level of sports player insurance you choose, your football team’s insurance policy could include:

In-patient Health Benefits*


  • Accommodation, nursing care, surgeon and anaesthetist fees
  • Theatre costs, intensive care costs, drugs, dressings and consumables
  • Diagnostics including MRI and CT scans
  • Physiotherapy
  • Oro-surgical operations and procedures
Out-patient Health Benefits*


  • Initial consultation and specialist fees
  • Initial diagnostics including MRI and CT scans
  • Subsequent consultation and specialist fees
  • Subsequent diagnostics including MRI and CT scans
  • Physiotherapy and complementary medicine
Other Benefits*


  • NHS cash benefit
  • Life cash benefit
  • Health and wellbeing services
  • Stress counselling helpline
  • 24 hr GP advice line
  • Lifestyle rewards

*Source: https://www.generalandmedical.com/private-health-insurance/health-insurance/products/

Why do Women's Football Teams Need Insurance?

Women’s football teams need insurance for several reasons:

  • Injury Treatment: Football is a contact sport with inherent injury risks. Insurance helps cover medical expenses and rehabilitation costs for players who get injured during practices or matches.
  • Financial Security: Unexpected events can disrupt team operations and incur unforeseen costs. Insurance offers financial stability by helping manage these unexpected expenses.
  • Sickness Prevention: Avoid the risk of any of your players needing to take time off for injuries or sickness by giving them diagnostic tests, screenings, and early preventative treatments.
  • Emergency Medical Coverage: In cases of sudden medical emergencies on the field, insurance can cover emergency medical services, ambulance transportation, and hospitalization costs.
  • Rehabilitation Support: After an injury, players often need extensive rehabilitation to regain their strength, flexibility, and mobility.
  • Physiotherapy: Football is incredibly physically demanding, so physiotherapy benefits not only the players’ personal health but the success of your team.

How Much Does Women's Football Team Insurance Cost?

The cost of any type of football team insurance is influenced by various factors:

  • Team Size: The more players, staff, and volunteers a team has, the higher the potential risk exposure.
  • Level of Play: Professional teams may have higher coverage needs and associated costs compared to amateur or semi-professional teams.
  • Coverage Limits: Higher coverage limits generally result in higher premiums due to increased potential payouts.
  • Claim History: Teams with a history of frequent or high-value claims might face higher premiums.
  • Location: Insurance costs can vary based on the region where the team is located due to differing risk profiles.
  • Risk Management Practices: Teams with effective safety protocols and risk mitigation strategies may qualify for lower premiums.

How Can Women's Football Teams Reduce Insurance Costs?

Teams can employ various strategies to lower insurance premiums:

  • Safety Programs: Implement safety measures such as proper warm-up routines and injury prevention practices to demonstrate a commitment to player well-being.
  • Record Keeping: Keep accurate records of injuries, safety protocols, and incident reports to showcase proactive risk management.
  • Comparison Shopping: Use our quick form to get a quote that considers multiple insurance providers to get the best deal available.
  • Consider Deductibles: Opting for higher deductibles can lower premiums, but teams should assess their ability to cover the deductible in case of a claim.
  • Bundle Coverage: Some insurers offer discounts when multiple coverage types are bundled together.

How Can Women's Football Teams Find the Right Insurance Provider?

To find a suitable insurance provider:

  • Research Experience: Seek insurers with a history of providing sports team coverage, particularly in women’s football.
  • Customisation: Look for insurers that offer flexible policies that can be tailored to the specific needs of the team.
  • Coverage Limits: Ensure the policy’s coverage limits align with the team’s potential liability exposure.
  • Claims Handling: Investigate the insurer’s reputation for efficient claims processing and fair settlements.
  • Financial Stability: Choose an insurer with a strong financial standing to ensure they can fulfil claims obligations.

At MediCompare, we do the hard work on your behalf. We compare women’s football team insurance from all across the market to get you an objective quote. Click here to chat with one of our expert advisors for free.

Is Women's Football Team Insurance Mandatory in the UK?

No, Women’s Football Team Insurance is generally not mandated by law. However, many football associations, venues, and tournaments may require teams to have insurance coverage to participate. Moreover, it is a responsible choice to protect the team’s health and wellbeing.

Can Women's Football Team Insurance Cover International Competitions?

Yes, it can! Some policies can extend coverage to international events. However, teams should discuss this with their insurer to confirm coverage and assess whether the policy offers sufficient protection for events outside the UK.

Is Women's Football Team Insurance Tax Deductible?

Yes, they can be. In the UK, insurance premiums are typically considered a legitimate business expense and may be tax deductible.

How Often Should Women's Football Teams Review Their Insurance Coverage?

Women’s football teams should review their insurance coverage annually or whenever significant changes occur:

  • Team Expansion: Adding more players or staff.
  • Change in Play Level: Moving from amateur to professional play.
  • Venue Changes: Switching training or game venues.
  • Event Additions: Participating in new tournaments or events.

What Factors Influence the Selection of Coverage Limits For Women's Football Teams?

  • Potential Risks: Assess the types of risks your team faces and choose coverage limits that align with potential claim amounts.
  • Legal Requirements: Some tournaments or venues might have minimum coverage requirements that need to be met.
  • Financial Capacity: Balance the coverage limits with your team’s financial ability to pay premiums and potential deductibles.

How Does Women's Football Team Insurance Handle Pre-Existing Conditions for Players?

Insurance policies generally cover new injuries sustained during the policy term. Pre-existing conditions might not be covered unless specifically stated in the policy. Players should disclose any pre-existing conditions during the application process to avoid complications when making claims.

How Are Player Transfers or Loan Deals Handled Under Women's Football Team Insurance?

When players are transferred or loaned to other teams, insurance implications can arise. The insurance coverage during transfers or loans might vary based on policies and agreements. Communicate these situations with your insurer to ensure proper coverage during such arrangements.

Can Women's Football Teams Purchase Short-Term Event-Specific Coverage

Can Women's Football Teams Purchase Short-Term Event-Specific Coverage?

Yes, teams can often purchase short-term event-specific coverage for tournaments, matches, or events that fall outside the scope of their regular policy. This ensures that the team is adequately covered for the specific risks associated with that event.

Can Women's Football Teams Adjust Insurance Coverage Mid-Season if Their Playing Level Changes?

Yes, teams can often adjust their coverage mid-season if their playing level changes from amateur to professional, or vice versa. This will depend on your insurance terms. Discuss any changes promptly with your insurer to ensure that your coverage accurately reflects the team’s current status.

Are University Women's Football Teams Required to Have Different Types of Insurance?

Sometimes, but not categorically. University teams might have specific insurance requirements based on their affiliations, level of play, and the nature of their activities. These could include general liability coverage, student accident insurance, and coverage mandated by athletic conferences.

Do Amateur Women's Football Teams Need Insurance?

It is not a legal requirement but amateur women’s football teams should seriously consider insurance. While it might not be legally mandated, insurance offers valuable protection against unforeseen risks. Accidents and injuries can happen regardless of the level of play, and insurance helps safeguard the team’s financial stability.

Does Women's Football Team Insurance Handle Player Injuries That Occur Off-Season?

Sometimes, but it is not always the case. Many insurance policies extend coverage to player injuries that occur during off-season activities sanctioned by the team. However, the extent of coverage might vary. If you think this will be an issue, discuss off-season activities with your insurer and clarify the circumstances under which injuries are covered.

Our 4 Women's Football Team Insurance Options

Depending on the level of sports player insurance you choose your policy could include:

Sports Level

Sports Key


Sports Plus

Sports Elite

In-Patient Cover
Sports Related Injury Coverage
Post Admission Consultations, Tests, Scans
Hospital Cash Back (up to £250 per night)
Stress Counselling Helpline/Health & Wellbeing Services
24-Hour GP Advice Line
Overall Annual Maximum Benefit Limit£50,000£1,000,000£1,000,000£1,000,000
Out-Patient Consultations, Diagnostics, and Treatment
Treatment Booking Service for Non-eligible Treatment
Additional Pool of Out-Patient Benefit (Teams of 6+ Players)
Full Cancer Cover*
Full Radiotherapy and Chemotherapy Cover*
Cardiovascular Conditions Cover
Higher Benefit Limit for Out-Patient Consultations, Diagnostics, and Treatment
Included Therapies Benefit (50/50 Risk Share Basis)*

*Source: https://www.proactiveprotection.co.uk/sports-cover


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