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Team personal accident insurance

There's no substitute for personal accident insurance

If you become injured whilst participating in a club/team activity, you can incur significant financial losses as a result. Personal accident insurance can help offset some of these unexpected expenses. 

Protect your players, committee members, managers, trainers and assistant referees/officials in the event of a personal injury.

Changes to the way you renew or purchase cover from the 2023 to 2024 season onwards

  • NGIS personal accident insurance for all adult and youth teams in England will now be available to purchase through your County Football Association at affiliation.
  • Full details of the new process for administering personal accident insurance will be included within the affiliation pack, which your County Football Association will provide.
  • Due to a change in which Personal Accident insurance will be administered for all affiliated Adult and Youth teams in England, those teams that had a policy last season, will not receive a renewal invitation from ourselves, or be able to purchase a new policy direct from our website. Full details of the new process for administering Personal Accident insurance will be included within the affiliation pack which your County Football Association will be circulating to you, so in the meantime, no further action is required by you.

Explore the personal accident policy

selected option
  • Whilst at any ground or premises worldwide (see the policy wording).
  • Where there is an agreed fixture or training.
  • Includes travelling directly to and from such activities.
  • In addition the policy cover has been extended to include club social events (see the policy wording).
  • The life cover is included and operative whilst training and playing football matches only.  

We have policies designed for both adult and youth teams. The policy automatically includes:

  • Players.
  • Trainers.
  • Committee members.
  • Club officials.
  • Managers.

The maximum age limit for players is 55 and club officials 75 years of age. If you have any players and officials above this age the policy will provide a reduced level of cover.

Life Cover will commence at attainment of 6 years of age and will cease at attainment of 50 years of age.

The NGIS provides  'INTERMEDIATE' (adult teams only) and 'SUPERIOR' packages for both adult and youth teams.

  • Please note that some County FAs (CFAs) require a minimum level of insurance to enable you to affiliate and the 'Basic' and/or 'Intermediate' level of cover is not available in some Counties.
  • You can check to see if your County FA supports the NGIS and what their minimum level of required insurance is.

The 'Intermediate' policy (adult teams only and not available in all Counties) provides:

  • All the 'BASIC' policy benefits to include cover for serious and long-term injuries. (Please note weekly benefits are not provided).
  • Inclusion of some short-term injury benefits such as broken bone, primary dislocation, emergency dental (pain relief) and hospitalisation.

The 'Superior' cover provides:

  • All the 'BASIC' and 'INTERMEDIATE' cover benefits plus a vast range of additional benefits covering both long-term and short-term injuries.
  • A choice of weekly benefit amount for adult teams.
  • Ability to include a range of optional extra benefits.
  • We’re The FAs appointed insurance broker and provide the official National Game Insurance Scheme (NGIS) products.
  • No pre-existing condition exclusions in respect of accidental bodily injury (with exception of dislocations).
  • No limit to number of players/club officials in a team. 
  • Permanent total disablement from usual occupation. (This means the benefit is paid out if you are unable to continue your current (usual) job due to disablement. Some policies might only pay this benefit if you are unable to undertake any job again).
  • Legal and counselling advice helplines included at no additional cost providing support when you need it most.

Check your Couny FAs minimum requirements

Frequently asked questions

From the 2023 to 2024 season onwards, personal accident insurance can be obtained via the affiliation process to your County FA.

If you are currently insured on the NGIS for the 2023/24 season the Personal Accident insurance that you purchased expires on 30 June 2024.

Due to a change in which Personal Accident insurance will be administered from the 2023/24 season for all affiliated adult and youth teams in England, you will not receive a renewal invitation from ourselves, or be able to purchase a new policy direct from our website.

Full details of the process for administering Personal Accident insurance will be included within the affiliation pack provided by your County Football Association, so in the meantime, no further action is required by you.

The FA have introduced standardised rules that apply to Steps 2 to 6 of the National League System. All clubs must be members of a players personal accident insurance scheme. (The policy cover shall be at least equal to the minimum recommended cover determined from time to time by The Football Association). FA rules state as a minimum clubs should have:

Step 2-3 

Accidental Death £25,000,

Permanent Total Disablement £25,000

Temporary Total Disablement £100 per week 

Step 4

Accidental Death £25,000

Permanent Total Disablement £25,000

TTD £75 per week

Step 5 and 6

Accidental Death £25,000

Permanent Total Disablement £25,000

TTD £50 per week

Step 7

Set by County FA.

For ease of reference, we have set out below which NGIS policies would meet these requirements:

Step 5 and 6 teams Superior 200 or above

Step 4 teams Superior 400 or above

Step 3 teams Superior 400 or above

Step 2 teams Superior 400 or above

  • lnfluence of alcohol, solvents, drugs or medication unless prescribed.
  • Being a professional footballer (where the majority of the insured persons income is derived directly from playing, competing, or training in the sport).
  • Illness or sickness
  • Any claim attributable either to arthritic or other degenerative conditions in joints, bones, muscles, tendons or ligaments.
  • Repetitive stress (strain) injury or syndrome.
  • Claims as a direct result of being a member of the armed forces.
  • Engaging in a criminal act, riot or civil commotion.
  • Club social events that include fireworks, bonfires, driving events, bouncy castles, water sports or any activity above three metres off the ground.
  • Travel to a specific area against advice issued by the Foreign and Commonwealth Office.
  • Please see the policy for full details of exclusions.

This insurance can pay out a set amount if someone is injured in an accident and the payout can be a lump sum or a weekly amount (depending on the level of cover you choose). It ensures all participants have protection in the event of an injury and because this is a non-negligence cover it can help reduce litigation in the game, because unlike a liability policy you do not have to find someone to be at fault for an injury to receive compensation.

Get in touch

Please do not hesitate to contact our specialist sports insurance team and we will be happy to help. Our office hours are Monday - Friday, 9am - 5pm (we are closed on bank holidays). 

0345 872 5060 Email us