What does rugby insurance cover?
We know that participating in sports can come with risks, and dealing with a sports accident can be tough. That’s why Rugby Insurance can help by offering cover to support rehabilitation and recovery and support for breaks or serious injuries.
Our policies cover a wide range of needs, including physiotherapy, dental, and consultant fees, as well as legal expenses. With Protectivity’s sports accident insurance for Rugby, you can have peace of mind knowing that if an accident happens, our insurance will provide the extra financial support you need.
Make sure you have the correct insurance for your activities and be sure to check if any exclusions are relevant in policy documentation.
Personal Liability
Personal Accident
Physio & Consultants Fees
Dental Fees
Legal Expenses
- Personal Liability
- Personal Accident
- Consultant & Physiotherapy Fees
- Legal Expenses
- Search & Rescue
We offer a bronze, silver and gold package to account for different levels of cover you might need.
For more details on what is included in our sports accident policy please request a quote.
- Claiming for circumstances you were aware of before your policy
was issued. - Professional sports or activities
- Travel related medical expenses.
- Medical expenses abroad
- Injury sustained through participation in sports or activities not included in the sports group(s) that you
have selected cover for. - Liability for certain sports (as indicated when the sport is selected)
- Liability for contact sports where physical contact is an accepted part of the sport eg rugby, football etc.
For further information on exclusions in your cover please refer to policy documentation.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your rugby insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 150,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
I’m British but live abroad, can you cover me?
We only cover persons who have been resident of the United Kingdom, Channel Islands or Isle of Man or at an official BFPO (i.e. British Armed Forces base) (in which case Country of Residence is substituted for United Kingdom) for at least the last 6 months.
Does this sports accident policy cover third-party liability?
Yes, all policy types include third party liability cover, also known as personal liability. However, you may find that some sports have restrictions or exclusions for liability such as horse riding, dog-related activities and motorised sports. Personal liability is excluded from certain Sports Accident Insurance policies including contact sports where physical contact is an accepted part of the sport eg rugby, football etc. or as indicated when the sport is selected.
Can I take out a policy for six months?
No, the policy is an annual policy, but it is also available for one specific day or several consecutive days. If you require more than about 7 days cover, it would be more cost effective to take out the annual policy.
Am I covered abroad with a sports accident policy?
While the Sports Accident and Children’s Personal Accident policies are valid worldwide, they are not designed to replace travel insurance and are only for personal accident (death/disability cover) and liability. No medical fees or repatriation costs are covered and therefore it is best to use Sports Travel Insurance for all travel purposes as we can provide full travel cover tailored to the sport you plan to do. If, however, you already have some general / basic travel insurance in place through your bank account for example and want to do one or two days of sport abroad, you can take out our Activity TopUp policy which will cover your medical expenses and repatriation if you get injured whilst overseas.
Can I transfer my cover to a different day if my activity is cancelled due to the weather?
Yes, we allow two postponements, provided that we have written confirmation of cancellation from the activity centre where you planned to undertake the activity.
Can I pay for my sports accident policy in instalments?
Yes – where the premium (the total price of the policy) is above £60.00, the payment can be split over 11 months. The initial payment will be 20% of the total premium, and the following 10 payments will split the remaining premium into equal instalments. There is no additional charge for paying your policy in instalments.
I have a policy but am moving out of the UK, will I still be covered?
Your policy remains valid until you are classed as a NON-UK resident and no further policies will be able to be purchased.
I currently take home £400 a week, would the policy pay me that amount as loss of earnings?
No, the maximum that you would receive would be a maximum of 75% of your normal take home pay, so £300 in this case assuming you had taken out cover for up to £300 loss of earnings.
Can I claim for loss of earnings immediately?
You cannot claim for any loss of earnings for the first 2 weeks that you are unable to work, but after that, as long as you are signed off by a doctor, you can claim for up to 26 weeks from the date of the accident.
I’m self-employed and my pay varies from week to week. How would you calculate my loss of earnings?
We would ask to see evidence of your take home pay for the previous year and divide that by 52 to calculate the weekly payout. Earnings are classed as anything that you pay yourself that you pay tax on.
What is the maximum age you can cover on this sports accident policy?
Our policies will cover anyone up to the age of 74 at the time of purchase. If you are aged between 75-84 years please contact our sales team to discuss the options we have available.
Can I top up my sports accident cover?
Yes, you can increase your cover by buying income protection units to increase your levels of cover for loss of earnings. Each unit increases the benefit by £50 per week. Up to 20 additional “loss of earnings” units can be purchased meaning that the maximum payout per week could be £1000 as long as that did not exceed 75% of your normal take home pay.
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This page content has been created for general information and should not be taken as advice.
*10% discount for policies bought online and applies only to the first-year of your policy premium. Protectivity reserves the right to amend or withdraw this offer at any time. Available to UK residents only. 10% online discount applies to our Sports Travel Insurance and Activity TopUp policies only.
** Based on Protectivity sales data from 2007 to Sep 2024
¹Based on live Feefo data