Group Personal Accident

Policyholder
The British Amateur Rugby League Association (including the National Youth League and the Secretary for the time being of each Participating Club affiliated to the British Amateur Rugby League Association).

Cover
Accidental Bodily Injury arising during the Effective Time within the period of insurance.

Definitions
Accident / Accidental means a sudden violent external and identifiable event that happens by chance and could not have been expected.
Bodily Injury means an injury to an Insured Person which happens whilst the policy is in force and is caused only by an Accident; and which on its own leads to death, disablement, within twenty four months of the accident.
Insured Person means any member of a participating club, coaches and officials (including referees and touch judges) and members of international, county and other representative squads and officials.
Effective Time means whilst participating in matches; whilst engaging in training or practice and whilst travelling to or from such matches, training or practice.
Permanent Total Disablement (‘Any Occupation’) means Permanent Disabling Injury which results in the Insured Person’s inability to perform or give attention to any gainful occupation for which an Insured Person is fitted by way of training, education or experience.
Permanent Total Disablement (‘Usual Occupation’) means Permanent Disabling Injury which results in the Insured Person’s inability to perform or give attention to their usual occupation.

* The benefit is doubled in the event of loss of sight in both eyes resulting from the same incident.

Principal Exclusions

• Aerial pursuits or sports
• Being a full-time member of the Armed Forces
• Travelling by motor cycle, motor scooter or similar vehicle
• Pregnancy, childbirth, miscarriage or abortion – but not complications of these
• Sickness or disease

Group Temporary Life Assurance

Cover
The death from natural causes of an Assured Person if it occurs during the period of assurance

Benefits

Principal Exclusions
No claim payable if the deceased Assured Person

• Has been medically advised not to participate in Rugby League
• Has been given a terminal prognosis
• Has past his / her 50th birthday, or
• Death is caused directly or indirectly as a result of bodily injury by accidental violent external and visible means
• Death is caused by Nuclear, Chemical or Biological Terrorism.

Public Liability

Cover
Legal liability to pay as damages to any person in respect of accidental Bodily Injury or Damage to material property or Trespass, Nuisance or Obstruction occurring during the Period of Insurance within the Territorial Limits and arising in connection with the Business.

Territorial Limits
Anywhere in the world

Limit of Indemnity
£10,000,000 any one occurrence

Excess
£100 in respect of third party property damage

Principal Exclusions

• Terrorism
• Asbestos
• Employers Liability
• Medical Malpractice and Treatment
• Use of Heat Equipment Away From Premises
• Sports Activity (i.e. player to player liability)
• Electronic Date Recognition Clause