Personal accident insurance

Injury and loss of income insurance for community clubs

Fersiwn Cymraeg yma

As a registered member, coach, steward, referee or official of a WRU club, you automatically receive Personal accident insurance as part of your affiliation. Please note that all claims must be submitted within 60 days of the accident.

Below are the benefits you receive, depending on the category that applies to you.

Playing Members & Welsh Rugby Union qualified Coaches aged 16-75

  • Death - £250,000
  • Loss of Sight in one eye - £50,000
  • Loss of Sight in both eyes - £100,000
  • Loss of Speech - £100,000
  • Loss of Hearing in one ear - £50,000
  • Loss of Hearing in both ears - £100,000
  • Loss of Limb(s) -£100,000
  • Permanent Total Disablement - £1,000,000
  • Paraplegia - £200,000Hemiplegia - £300,000
  • Quadriplegia/Tetraplegia - £500,000
  • Hospitalisation - £25 per day up to 10 days
  • Loss of income - £50 per week (cover is for up to 26 weeks, starting 28 days after the date of your accident)

Playing Members aged under 16

  • Death - £25,000
  • Loss of Sight in one eye - £50,000
  • Loss of Sight in both eyes - £100,000
  • Loss of Speech-£100,000
  • Loss of Hearing in one ear - £50,000
  • Loss of Hearing in both ears - £100,000
  • Loss of Limb(s)- £100,000
  • Permanent Total Disablement - £1,000,000 Paraplegia - £200,000
  • Hemiplegia - £300,000
  • Quadriplegia/Tetraplegia - £500,000
  • Hospitalisation - £25 per day up to 10 days

Non-playing Officials and Stewards

  • Death - £100,000
  • Loss of Sight in one eye - £50,000
  • Loss of Sight in both eyes - £100,000
  • Loss of Speech - £100,000
  • Loss of Hearing in one ear - £50,000
  • Loss of Hearing in both ears - £100,000
  • Loss of Limb(s) -£100,000
  • Permanent Total Disablement - £100,000 Paraplegia - Not insured
  • Hemiplegia - Not insured
  • Quadriplegia/Tetraplegia - Not insured
  • Hospitalisation - £25 per day up to 10 days

Welsh Rugby Union qualified Referees aged 14-75

  • Death - £250,000
  • Loss of Sight in one eye - £50,000
  • Loss of Sight in both eyes - £100,000
  • Loss of Speech - £100,000
  • Loss of Hearing in one ear - £50,000
  • Loss of Hearing in both ears - £100,000
  • Loss of Limb(s) -£100,000
  • Permanent Total Disablement - £1,000,000
  • Paraplegia - £200,000
  • Hemiplegia - £300,000
  • Quadriplegia/Tetraplegia - £500,000
  • Temporary Total Disablement - £250 (cover is for up to 52 weeks, starting 7 days after the date of your accident)
  • Hospitalisation - £25 per day up to 10 days

Please be aware that the Personal Accident cover doesn't automatically extend to cover training sessions/matches involving children under the age of 7. If you wish to extend the cover to include cover for children under the age of 6, please contact us at [email protected]. 

Loss of income

All players aged 16 and over who are registered with a Welsh Rugby Union affiliated club and are in gainful employment are eligible for loss of income coverage. This benefit provides:

  • £50 per week, following a 28-day deferment period, for up to a maximum of 26 weeks.

If you require higher benefits, your club has the option to purchase additional coverage. To do so, the club must complete and return the proposal form. Additional benefits may include:

  • Up to £25 to £400 in additional weekly benefits.
  • A reduced deferment period of 7 days.

If your club wants to arrange additional Loss of income cover, please complete the TTD Top Up application form here.

As a player, particularly if you're self-employed, you may want to consider a policy that protects your income in respect of accident and sickness in all aspects of your life, not just rugby. For more information about individual loss of income cover, click here.

Please note that all claims must be submitted within 60 days of the incident. 

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