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From Durham Football Association Web Site.
Personal Accident Insurance Scheme
Over the past seasons we have received many telephone calls from parents, partners and players stating that following an injury to their son, partner or themselves they are in financial difficulties due to NOT been covered by insurance.
The Association understands that in the case of most clubs this is because they cannot afford the premium, therefore as a County FA we have held talks with Sportsguard and put in place a player insurance scheme which has been endorsed by the Council of the Durham County FA, and is mandatory from the 2010/2011 season.
Every Player registering with a Durham County FA affiliated team is covered for injury and much more. The scheme will cost players £5.00 for the year and it does not matter how many affiliated eleven aside teams they play for, they are covered. Frank Pattison, President of the Durham County FA said “following a meeting with our leagues it was unanimously agreed that the County FA introduce the scheme, as all agreed it would benefit all our senior affiliated members. We believe the scheme is the first in the country and although it will create a lot more work for the staff, the fact that all Players and Officials (if requested) are covered for injury and much more, is worth it, we consider this as a service to our members. Some players will play in excess of 50 games a season and the premium will work out at 10 pence per game, which is definitely value for money”. Kevin Culley of Sportsguard said “ The Personal Accident Insurance scheme that is now in place for Grass Roots Amateur Football within Durham County Football Association is the best value for money Policy that can be purchased in the UK. It is a proven scheme that works very well for thousands of football players, clubs and officials throughout the United Kingdom. When a club and player understand it correctly they will appreciate it”. When a player is injured the club secretary should report the injury to Sportsguard as soon as possible and definitely within 30 days, the claim form should come back to Sportsguard within 60 days with the form completed correctly and a copy of the doctors sick note. The player must complete the occupation part of the form or if self-employed must prove he is working, which can be achieved by showing an accountant’s letter or a copy of the last set of accounts. If the injury is going to cause the player to be off of work for more than 5 or 6 weeks and money is going to be a problem, I would advise the player to request interim payments, which can be paid fortnightly or monthly. It is also imperative that the injured party advise the loss adjusters when they have returned to work in order that they can settle the claim as soon as possible. If anyone has a problem regarding a claim or a query please call Sportsguard and we will do our best to help and sort it out. Since this scheme was put together for Amateur Football a number of years ago over a Million pounds has been paid and only in the last year we have 6 Deaths from natural causes whilst on football duties. When a player enrols into the Durham County FA Scheme he will be covered for £50.00 per week excluding the first 14 days. He will also be covered for Accidental Death and Life Insurance for £10,000 and £15,000 for Permanent Disability. If a club decide to take more cover out for their clubs they can by contacting Sportsguard. The premiums for any extra cover will be discounted for all Durham Clubs. Example: A player breaks his leg he will be entitled to £50.00 per week after the first 14 days payable all the time he is off of work up to 12 months. If the club take out further cover all benefits would be paid on top of the player benefits paid via the County FA scheme. Please Note: If a player is unemployed or is a student the maximum that can be paid out is £ 20.00 per week payable for 12 months, the reason for this is that they will incur expenses but are not losing an income, however they are entitled to all other benefits. • The Permanent Disability: Lump sum payable in the event of an accident causing permanent total disablement from carrying on any gainful employment, up to age 65 years. • Loss of Limb: means permanent loss by physical separation of a hand at or above the wrist or of a foot at or above the ankle and includes total and irrecoverable loss of use of hand, arm or leg. • Loss of Sight: Lump sum paid if there is a loss of sight in one or both eyes, which is deemed as permanent. • Accidental Death: Lump sum payable if the player should die from an accident whilst playing, training or travelling to a game in an organised party. • Life Insurance: Sportsguard are the only company in the UK who offers this particular benefit which has unfortunately already been paid out on 6 occasions in the past year. All players and officials are covered whilst training or playing and if death occurs within 7 days of the first manifestation of symptoms. The age limit is 55 years. The policy that has been negotiated between The Durham County Football Association and Sportsguard has been put together for the players and officials throughout the Association and the reason that the premium is only £5.00 per player for the basic cover is because it is mandatory. If clubs went on their own to obtain this level of cover it would cost in excess of £300.00 per team. It is also worth noting that Sportsguard is the only company in the UK who can and do offer Life Insurance as mandatory and thank god we do for the 6 families we have paid out to this year. Below are some of the steps which I think will simplify the process: 1) The League obtains a list of registered players from each club by whatever method they use ie retainer list or registration form. 2) The League sends a list to the County FA. 3) The County FA staff check the insurance payment system for duplication and then invoice the club for those NOT already covered the club collects payment from the player and forwards to the County FA within 14 days. 4) The County FA sends a list to the League of those players who have paid their premium or not. 5) The players details are then sent to Sportsguard on a regular basis. 6) Sportsguard agree to put player on cover from the date we agree the player has registered with the club. During the season the club sends new registrations to the league who forward a copy or email the player/club details to the County FA and we invoice club again 7) Sportsguard will then send the Players to the County FA and we will forward them to the clubs For further information about the policy please visit http://www.sportsguard.co.uk/durhamcountyfa.html PLAYER/CLUB OFFICIAL PERSONAL ACCIDENT INSURANCE SCHEME QUESTIONS and ANSWERS Q If I play for a team affiliated to the Durham County FA do I have to become a member of the scheme A Yes all players registered with a Durham County affiliated team must join Q What will it cost A You will pay a single payment of £5.00 (about 10p per game) and that will cover you for each of the Durham County FA affiliated teams you play for Q What if I do not join the scheme A The scheme is mandatory and therefore you cannot play football for any Durham County FA affiliated team unless you join the scheme Q How is the scheme administered A Once you sign a retainer list or registration form it is sent to your league secretary who will forward a copy to the Association, we will then check to see if the player has already paid his/her premium through another club and invoice your club for those not already insured. Q Can I sign on the day for a team and be covered A If the league you play in allows on the day registrations then you will be covered as long as your Club Secretary sends your registration form to the League and a copy is forwarded to the Durham County FA, we will invoice the team for your £5.00 fee. Q What are the benefits of joining the scheme A For those aged up to 65 and who are in full time employment (including self employed) you will receive £50.00 per week (excluding first 14 days), for those NOT in full time employment the weekly benefit will be £20.00 per week, both are paid for a maximum of 52 weeks, all the other benefits can be found by either by visiting the Durham County FA website www.durhamfa.comor by contacting SportsGuard Insurers direct. Q Can I increase the benefits A Yes for a small increase in premium you can increase your benefits and all you need to do is contact Sportsguard direct 01604 644277. Q Does the Scheme just cover playing A No the scheme also covers Training, Practice matches and travelling to and from matches, but only for eleven aside teams NOT 5/6/7/9 aside. Q I am a club official, can I also become insured A Yes the scheme is open to players and officials of Durham County FA affiliated teams. Q Why has this scheme been put in place A As a County FA we feel we have a duty of care to all our members and for a fee of £5.00 per year (10p per week) the fact of being covered for accident no matter which Durham County FA eleven aside team you play for has to be beneficial and a necessity.
 
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