Non-affiliated teams

Children having rugby team talk

Non-affiliated teams playing against member clubs have limited Public Liability coverage

All non-affiliated teams playing against member clubs are covered by the RFU’s Accidental Death and Permanent Total Disability Insurance, provided the match or tournament is played in accordance with the RFU Rules and Regulations and the World Rugby Laws of the Game.

A summary of the RFU’s Accidental Death and Permanent Total Disability Insurance is available on the Policy & Document Hub

Please note that:

  • The above insurance covers accidental death and permanent total disability only as set out in the summary and policy wording
  • The policy does not provide any general protection or cover in the case of loss of earnings or minor and temporary injuries such as broken limb, strains, etc. It is recommended that additional personal protection should be considered, which is readily available from the insurance market
  • If playing abroad, teams are also required to take out additional tour travel insurance (visit our Tours Insurance page for further information)
  • Non-affiliated teams are not covered by the RFU’s public liability insurance cover (including liability for injuries caused by an individual to another or to property) or by any other insurance cover provided by the RFU, unless otherwise agreed in writing by the RFU Legal & Governance Department

    For further details on how your club can become affiliated to the RFU or for information about hosting an RFU approved event at your rugby club, contact the RFU Club Support Centre.

    If you need to check if your club is affiliated to the RFU please see the affiliated club list.  

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    What to do if you are experiencing financial difficulties

    We recognise that the current economic conditions are putting pressure on many households and businesses. At Howden, we are committed to finding ways to assist our customers who may require additional support during these times.

    If you’re currently facing financial difficulty, please speak to us about your insurance policies by:-

    -contacting your Howden Service Team; 
    -calling Howden on 020 7623 3806;
    -using the Enquiry form.

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