Essex FA Insurance Scheme
Scheme Frequently Asked Questions
WHAT INSURANCE POLICIES DO WE NEED?
You are required to have two separate insurance policies in order to participate in affiliated football:
Personal accident insurance – this insurance provides benefits to your own players if they become injured whilst participating for you club.
Public liability insurance – this insurance is designed to protect your legal liabilities in the event of legal action coming against your club for negligence.
Property & equipment insurance – this is designed to protect the club assets, i.e. club houses or training equipment.
Sports travel insurance – if you are planning on a sports tour outside of the UK.
MAKING A CLAIM?
WE HAVE RECEIVED A LEGAL LETTER, WHAT DO WE DO?
If you receive any kind of legal letter from a solicitor accusing you of any wrongdoing then please send it through to us unanswered as quickly as possible.
You can call us on 01604 644277 and we will give you a dedicated person to liaise with from offices.
DOES MY County FA HAVE A MINIMUM CRITERIA FOR PERSONAL ACCIDENT INSURANCE?
Personal accident insurance
The policies provided by Sportsguard are designed to meet the minimum criteria for your County FA.
Personal accident insurance is a mandatory requirement of your affiliating County FA and they will not process your affiliation until you have adequate insurance in place.
HOW DO I JOIN THIS INSURANCE SCHEME?
This can only be purchased via your County FA as part of the affiliation process.
You should contact your affiliating County FA and ask to speak with the affiliations team.
I NEED PUBLIC LIABILITY DOCUMENTATION TO SHOW A VENUE
The “Evidence of Insurance” can be sent to you by contacting your affiliating County FA or getting in touch with us.
General Legal Information
Please see our important documents:
Statement of Demands and Needs
This personal accident insurance product is designed to meet the demands and needs of amateur football clubs that wish to protect their members against the consequences of accidents whilst playing in, training for or travelling to a club fixture resulting in accidental; injury, death or disability. The level of cover you’ve chosen will dictate whether cover includes a weekly benefit in addition to the one-off lump sums.
The Insurance is provided at a minimal level reflecting the minimum requirements of your Association/League and may not meet the personal needs of your club member. You club member should seek additional cover elsewhere, if required.
This is a non-advised sale and no analysis of the market has been carried out on your behalf. Accordingly, this statement does not constitute advice or a personal recommendation.
Duty of Disclosure
When applying for cover and throughout the duration of your policy it is your duty to disclose all information that might influence Underwriters in deciding whether or not to accept the risk, the terms of the policy and the premium to charge. Your duty of disclosure exists both before the contract commences and throughout the duration of the contract. Failure to disclose all material facts may render the insurance void from inception (the start of the contract) and entitle the insurer to repudiate liability (not pay your claims) If you are unsure if a fact is material you must disclose it. We are happy to provide you with further guidance if you contact us.