your questions answered
COVID-19 NGIS FAQs
The National Game Insurance Scheme provides two forms of insurance protection, personal accident and legal liability. Both products operate from 1 July to 30 June each calendar year.
- PERSONAL ACCIDENT INSURANCE - this provides protection for someone who is injured in an accident whilst participating in a club activity. This policy could provide either a lump sum benefit or weekly amount (dependent on the cover selected).
- LEGAL LIABILITY INSURANCE - this provides protection against any claims made by third parties against you e.g. claims for slips and trips or damage to third party property as a result of your negligence.
Provided your club/team adhere to current Government/FA COVID-19 guidelines, these policies can continue to provide protection during this crisis.
In the case of liability insurance we would strongly encourage risk assessments and record keeping of the procedures and checks in place. Whilst this is not a condition of the insurance, you still have to maintain a duty of care and it can also assist in the defence of a claim.
Please also note that the Personal Accident insurance policy does not include sickness or disease, so there would not be any cover or benefits available in respect of a person who contracts COVID-19, (or any sickness or disease). It is purely a personal accident policy so will continue to provide insurance protection that it has always been designed for.
All policies are subject to the standard policy terms, conditions and exclusions which can be found on this website.
All NGIS policies for the 2019/20 season will expire on 30 June 2020. Due to the ongoing position with COVID-19 some clubs/teams may understandably choose to delay the purchase of insurance cover.
Personal accident insurance:
NOTE: Personal accident arrangements can differ for each County FA, some may have a group policy arrangement whereby you obtain cover via affiliation, whilst others will require clubs to purchase individually and provide the County FA with proof of the insurance. Therefore we would advise you to check via the County FA section of our website to find out about the particular arrangements and options in your County.
For clubs/teams affiliated to County FA that do not have a group policy arrangement:
If you decide to let this policy lapse it will mean there will be no personal accident cover for your players and officials. However, it is an FA rule that you must have this insurance protection in place each football season. Therefore, when you decide the time is right to return to some organised club/team activity (adhering to the latest Government and The FA guidelines) we aim to provide as much support and flexibility as we can:
- Adult 11 a side and all youth team premiums for the 2020/21 season will include a COVID-19 discount (16.75%) to reflect the period of inactivity from the 2019/20 season.
- We will automatically pro-rata premiums for any policies purchased in the weeks/months beyond 1 July meaning that premiums will gradually reduce further to reflect the shortened policy period to 30 June 2021 common renewal date.
- We can also provide an instalment option for premiums over £74. You can pay over 5 monthly instalments (£10 minimum charge, 6% variable interest rate, 36.76% APR variable). This option is available when purchasing on our website.
For clubs/teams affiliated to County FA with a group policy arrangement
The personal accident insurance is arranged by your County FA as a group policy so clubs/teams obtain this cover via the affiliation process with them. This group policy for the 2019/20 season expires on the 30 June 2020.
- To ensure continued protection for all clubs/teams, the personal accident insurance group policy will automatically continue from renewal and will therefore provide cover from 1 July 2020 to 30 June 2021.
- Cover will be in place regardless of the date a club/team affiliates during the 2020/21 season and will mean that if a club/team are not sure when to return to activities safely, cover will always be active.
- Adult 11 a side and all youth team premiums for the 2020/21 season will also include a COVID-19 discount (16.75%) to reflect the period of inactivity from the 2019/20 season.
- Furthermore, clubs/teams can still upgrade the group policy if required. We will automatically pro-rata premiums for any ‘upgrades’ purchased beyond 1 July meaning that premiums will gradually reduce over time to reflect the shortened policy period to the 30 June 2021 common renewal date. This can be done via our website.
- We can also provide an instalment option for any upgrade policy premiums over £74. You can pay over 5 monthly instalments*. This option is available when purchasing on our website.
Legal liability insurance:
This insurance is arranged by your County FA as a group policy so clubs/teams usually obtain this cover via the affiliation process with them. This group policy expires on the 30 June 2020.
- The NGIS liability policy applies to all affiliated clubs and teams that play at Step 5 and below (men’s) or Tier 3 and below (women’s).
- To ensure protection for these clubs/teams, the legal liability insurance will automatically continue from renewal and will provide cover for all clubs/teams from 1 July 2020 to 30 June 2021.
- This will be regardless of the date a club/team affiliates during the 2020/21 season and will mean that if a club/team are not sure when to return to activities safely, cover will always be active.
- The premium is therefore fixed ‘per club’ whenever you decide to affiliate. This covers an unlimited number of teams ‘per club’ so continues to represent significant value.
Why is it advisable you have liability cover in place even if no football is being played?
The National Game Insurance Scheme provides more that just £10m public liability cover it includes £10m employers’ liability, £10m committee liability, £10m professional indemnity and £500k cyber liability. Therefore, for a variety of reasons, it will be important to ensure there is no gap in protection. Here’s a few reasons why:
- Property owners liability - Some clubs own changing facilities, spectators stands etc. incidents can still occur - for example whilst visiting facilities for security checks.
- Committee liability - cover for claims made directly against individuals at the club, e.g. officer, committee member, director and/or trustee for alleged wrongful acts.
- Employers liability - for injuries caused to an employee of the club arising out of and in the course of such employment. This includes volunteers - for example maintaining pitches etc.
- Cyber liability - We anticipate many clubs are operating in a different way and potentially increasing their cyber exposures
- Abuse cover - if an alleged insurable event occurred last year, but was made today, it would be the active insurance at the time the claim was made that would be triggered.
- Professional indemnity - for negligent acts, errors or omissions, libel, slander and defamation. Includes cover for coaching activities that may be given in return for a fee.