| Mandatory Personal Accident Insurance |
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| Question |
| What are the benefits under the BARLA mandatory Personal Accident Policy? |
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| Answer |
| The policy covers Accidental Death and Permanent Total Disablement from any and every occupation and as such only provides cover for catastrophic injuries. The benefit levels are highlighted in Table 1. Due to the basic level of the mandatory policy additional cover is available for amateur players and/or teams to top up this cover. Members should contact Ian Tickner for further details on 01642 615611. |
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| Question |
| Am I covered for loss of earnings if I suffer an injury such as a broken arm that means I am unable to work temporarily? |
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| Answer |
| No. Other than for International, County or Representative matches the policy only provides cover for the catastrophic injuries detailed in Table 1. This cover is available on an optional basis to be purchased by individuals or clubs. Again, Ian Tickner on 01642 615611 can provide quotations for this cover. |
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| Question |
| What additional cover is provided if I am playing in International, County or Representative fixtures? |
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| Answer |
| A benefit to cover loss of earnings of upto £50 per week is provided. The benefit is payable if you are totally disabled from your usual occupation and is payable after the first 7 days of incapacity for a maximum of 104 weeks. This cover does not apply to Service Area activities which are separately insured. |
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| Question |
| When does cover for players apply? |
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| Answer |
| Cover applies whilst you are playing in matches and taking part in official training (both under the auspices of BARLA). Cover also extends to cover you whilst travelling directly to and from such matches and training sessions. |
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| Question |
| Does the policy cover me for Service Area games? |
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| Answer |
| No. Service Area Activity is separately insured. The benefits applying when participating in Service Area Activity are as follows: |
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Benefit |
Persons Aged Under 16 |
Persons 16 or Over |
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Accidental Death |
£ 7,500 |
£ 50,000 |
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Permanent total disablement occupation from any and every occupation |
£ 200,000 |
£ 200,000 |
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Permanent loss of sight in one eye* |
£ 50,000 |
£ 50,000 |
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Loss of use of one or more limbs |
£ 50,000 |
£ 50,000 |
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Permanent and total loss of speech |
£ 50,000 |
£ 50,000 |
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Permanent and total loss of hearing in both ears |
£ 50,000 |
£ 50,000 |
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Permanent and total loss of hearing in one ear |
£ 12,500 |
£ 12,500 |
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| Question |
| Will guest players or trialists be covered by the policy? |
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| Answer |
| The policy covers players participating in matches/official training sessions under the auspices of BARLA. Providing BARLA regulations are complied with cover will apply. |
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| Question |
| Does the policy only cover players? |
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| Answer |
| No. The policy also provides cover for coaches and officials whilst accompanying teams, attending matches or training sessions in their official capacity and performing official club and/or BARLA duties (including travelling directly to and from such duties). |
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| Question |
| Are we covered all year round? |
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| Answer |
| Yes, the policy applies on an annual basis and extends to include pre-season friendlies and training sessions under the auspices of BARLA. |
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| Question |
| Does cover apply for overseas tours? |
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| Answer |
| The policy applies on a Worldwide basis and clubs participating in overseas tours will be insured for games played overseas for the same benefits as if they were playing in the UK. BARLA should always be notified of such tours and members should still ensure separate Travel Insurance cover is arranged to provide Medical Expenses cover and the like. |
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| Question |
| What are the main exclusions under the mandatory Personal Accident Policy? |
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| Answer |
| Insurers will not be liable for any Bodily Injury, Loss or Expense as a result of: |
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Pregnancy or childbirthCommitting suicide, attempted suicide, self-inflicted injury or an illegal actSickness or disease not resulting from bodily injuryRepetitive Stress (Strain) Injury or Syndrome or any gradually operating causeBeing a member of the armed forcesWarJourneys to Afghanistan, Chechnya, Iraq & Yemen without prior notification to insurers |
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| Question |
| Does the policy cover death by natural causes? |
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| Answer |
| There is a separate policy which provides this cover. The policy covers players, coaches and officials of a club or BARLA on a worldwide basis and applies if the symptoms of the illness leading to/causing death manifest themselves whilst: |
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participating in a match;participating in official training; orstanding by as a substitute or substituted player. |
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| under the auspices of the insured team and/or BARLA and death occurs within 7 days. |
| Benefit levels are detailed in Table 2. |
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| Question |
| What are the main exclusions under the Death by Natural Causes policy? |
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| Answer |
| The policy excludes claims if the person: |
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has been medically advised not to participate in Rugby League;has received a terminal prognosis; oris over the age of 50 (i.e. cover ceases on 50th birthday). |
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