RUGBY INSURANCE
The Who, When, What & How?
All clubs recognise the importance of insurance cover in a sporting club context and the necessity of having appropriate cover in place. As a measure of your club and your Unions support to players and officials, the Australian Rugby Union arranges insurance cover for your benefit and risk protection.
By their nature, insurance policies are at times, complex, written in a unique language and not easily explained. Understanding the details of insurance cover is therefore quite difficult, confusing and often misunderstood. The summary below is provided as a simplified explanation of the coverage provided for Rugby clubs and participants under the National Insurance Scheme plan.
The following is a summary only of the main points of coverage under the plan. Please refer to the policy document contained within the Club Administrators Sports Insurance Manual provided to your local club for the complete policy terms and conditions.
WHO IS COVERED?
The ARU National Insurance Scheme plan has been arranged by the Australian Rugby Union on behalf of all Insured parties. The plan defines the Insured parties as –
Australian Rugby Union Limited and its members and affiliate members, including member clubs and associations of the various State members. All clubs affiliated with the ARU and/or member unions and affiliated unions are automatically covered under the plan from 1st March 2008 to 1st March 2009.
In addition, the plan extends to provide coverage to the following Insured Persons:
All players, coaches, trainers, managers, administrators, voluntary workers, selectors, referees, touch judges, ball boys, medical officers, physiotherapists and ambulance officers; and all directors, officers, employees, executive officers, office bearers, members and committees of the Insured.
The policy has an Age limit under the Personal Injury section of ages 4 to 65. This age limitation is increased to 75 years for non-playing Administrative personnel. There is no age limitation under the Sports Public and Products
WHEN IS COVERAGE PROVIDED?
Under the Sports Injury Insurance coverage is provided for Insured Persons whilst -
(a) Engaging/Playing in official club matches/activities including championship, club, Country or other State representative matches/activities;
(b) Engaging in organised training or practice for activities as described in (a) above;
(c) Travelling directly between the matches/activities in (a) or (b) above, and the Insured Person’s residence or place of employment or the premises of the Insured;
(d) Staying away from the Insured Person’s home district during a tour for the purpose of participating in representative and / or club matches / activities;
(e) Engaging in administrative or organised social activities of the Insured
WHAT COVERED IS PROVIDED?
The following cover is provided under the plan.
(1) SPORTS INJURY INSURANCE
(a) Death and Permanent Disability (Capital Benefits)
(b) Weekly Benefits
(c) Non-Medicare Medical Expenses
(d) Travel and Accommodation Expenses
(2) SPORTS PUBLIC AND PRODUCTS LIABILITY
(3) SPORTS PROFESSIONAL INDEMNITY
Click here for a summary of the coverage benefits provided under the plan.
HOW DO I MAKE A CLAIM?
When making a claim for a Sports Injury, you must:
1. Advise your Club Secretary that you wish to make a claim.
2. Obtain from your Club Secretary:
• “Sports Injury Report Form” to be completed by you, and
• Attending Physician’s Statement to be completed by your doctor.
3. Send both fully completed forms to:
GAB Robins Australia Pty Ltd
PO Box 1438, Parramatta NSW 2150
Phone: 02 9633 3533.
4. Claims must be advised as above within 30 days of injury.
5. When completing the claim form, ensure that you provide as much information as possible. This may include documents, records or even photographs for identification.
6. You must attend any medical examinations or other assessment organised by QBE Insurance or GAB Robins Australia Pty Ltd.
7. You must take all reasonable steps to recover from any injuries.
CLAIM EXAMPLE?
Click here for an example of injury and resulting claim.
CLUB INFORMATION
Clubs are provided with the following documents relating to insurance cover:
(a) Club Administrators Sports Insurance Manual – with complete policy terms and conditions, and
(b) Rugby Insurance Brochure - copies for circulation to members
Click here for these documents and further information on the National Insurance Scheme.
