Insurance

It is compulsory for all teams competing in competitions managed by the ARU and/or member unions to participate in the ARU National Insurance Scheme.

The ARU Sports Injury and Liability Insurance Scheme provides a basic level of insurance for players, members and officials associated with club rugby. All clubs affiliated with the ARU and/or the various State Unions and their affiliated unions are automatically covered under the plan from March 1, for a period of 12 months.

An Insurance Levy is payable by all clubs based on number of teams playing within the ARU sanctioned competition and each club will be sent copies of the ARU Insurance Brochure (pdf file - 310kb) annually.

All participants (Players, Coaches, Officials) must be registered with the ARU in order to obtain coverage. Please note that it is the club's responsibility to ensure the original ARU membership forms are stored for ten (10) years.

The level of benefits provided through this plan are not 'comprehensive' for all persons, and as such the ARU encourage all players and officials to take out Private Health Insurance and 'Top Up' coverage over and above the coverage provided by this insurance. Gow-Gates Insurance Brokers can assist in providing advice in regard to 'Top Up' covers and other insurance requirements.

The Club Administrators Sports Insurance Manual (pdf  file - 353kb) is provided at the beginning of each season to all clubs throughout Australia, so each club may have immediate access to the main points of the Insurance Plan. This manual has been prepared to assist you with the Sports Injury and Liability Insurance provided to your club and procedures you should take when making a claim.

For further information on any of the following topics, click on the title.

Is the National Insurance Scheme compulsory? (pdf - 30kb)

Who is covered by the scheme?

When is coverage provided?

What benefits does the scheme cover?

Want to know more on how to make a Sports Injury claim?

Who do I Contact (to make an inquiry or claim?)

Download a Sports Injury Claim Form to make a claim? (pdf - 159kb)

An example of a Claim

Are overseas players covered for insurance? (pdf - 58kb)

Is coverage provided for Overseas Rugby Tours?

Optional cover for Schools Rugby

ARU Serious Injury Report and Protocol 

ARU Welfare Fund