Berks and Bucks FA

Insurance requirements for the 2022/23 season.

There are two types of insurance policies required for the season.

  1. 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).
  2. 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.


    'COUNTYCOVER' policy
    'INTERMEDIATE' policy
    'SUPERIOR GOLD' policy

Group policy arrangement for personal accident insurance

Berks & Bucks FA have arranged a group personal accident policy which provides 'Intermediate' cover for all adult teams and 'Superior Gold' for all youth teams.

Option to purchase additional insurance

  • Please note that the Intermediate cover provided to affiliated Adult 11-a-side teams, does not include a Monthly Temporary Total Disablement benefit, meaning that if a player is injured and unable to work for a period of time, they will not receive any financial support which could assist with any lost earnings they might incur. You can however, purchase additional insurance to include a Monthly Benefit for your players, as well as a range of other benefits, at reduced premiums.
  • You can also purchase additional insurance for your Youth teams, at a reduced premium, by selecting Superior Platinum, which provides a number of increased benefits, including Permanent Total Disablement and Broken Bones.

Contact details for your County FA

Berks and Bucks FA, First Floor, Stratton Court, McTimony House, Kimber Road, Abingdon Oxon OX14 1BZ

Telephone: 01235 544890



Watch our video that helps to explain what insurance cover is provided and how you can arrange it.

Frequently asked questions

The NGIS policy provides cover in the event of an injury to players, committee members, managers, trainers and officials. 

Cover is operative whilst at any ground or premises worldwide where there is an agreed fixture or training and includes travelling directly to and from such activities. 

The life cover included is operative whilst training and playing football matches only and will commence at attainment of 6 years of age and will cease at attainment of 50 years of age. 

We recommend that you look at the range of benefits on offer to ensure you purchase cover to meet your needs. 

We provide cover for both adult teams (including walking football) and youth teams. The policy is subject to terms, conditions and exclusions.


'As stipulated by The FA, personal accident insurance is compulsory for Adult 11-a-side teams and all formats of youth football.
This insurance is arranged by your County FA as a group policy so clubs/teams obtain this cover via the affiliation process directly with them. 

Clubs/teams can also choose to upgrade the group policy to provide some additional benefits. Details of the group policy benefits and details of the upgrade options can be found in the downloads section of this web page.

How do I upgrade the group policy?

  • You have two options available if you wish to upgrade the group policy for your club/teams:

1) Apply online (no administration fee). Instant receipt of documentation & instalment option available.

If you choose to apply online you can:

  • Obtain instant quotations and purchase an upgrade to cover
  • Pay by debit or credit card or;
  • Take advantage of our monthly instalment facility enabling you to spread the costs over 5 monthly instalments. (Full details of the monthly instalment amounts and interest charges are provided when you select the Direct Debit payment option).
  • Download your policy documentation instantly and automatically receive by email.

2) Apply online but paying by cheque (£5 administration fee):

  • Apply onlineand select “pay by cheque” on the payment screen. This method will enable to you print out a pre completed remittance slip which can then be returned with your cheque by post.

During the affiliation process you will have the option of purchasing 'Countycover' or 'Countycover Plus'.  Please read the summary for more information. These are exclusive products that includes a range of covers in one policy:

Countycover includes:

  • Public liability - £10,000,000 
  • Employers liability - £10,000,000 
  • Officers and committee liability - £10,000,000 
  • Professional indemnity - £10,000,000
  • Cyber liability - £500,000

Countycover Plus includes:

  • Public liability - £10,000,000 
  • Employers liability - £10,000,000 
  • Officers and committee liability - £10,000,000 
  • Professional indemnity - £10,000,000
  • Cyber liability - £500,000
  • Player to Player - £10,000,000


  • Because this is a block arrangement made by your County FA it is important that you understand the cover provided to ensure it is adequate for your needs. We strongly recommend you take time to read the summary. (A copy of this document will also have been provided within your affiliation packs from the association.)
  • In respect of adult football the cover will only operate for any club, league or team that plays at Step 5 and below (men’s) or Tier 3 and below (women’s). Please contact Bluefin Sport if your club or any team plays in Step 4 and above (men’s) or Tier 2 and above (women’s).
  • Cover automatically includes both a club and leagues commercial activities but in respect of the operation of a licensed premises cover will only be provided if the turnover/revenue for this aspect is less than £30,000. For any licensed premises activities that exceed this threshold separate cover is required, so please contact Bluefin Sport to discuss further.
  • The cover will only operate for or a match official at Step 2 and below (men’s) or Tier 3 and below (women’s).

All covers are subject to terms and conditions. We have highlighted some important ones here (but for full details of all terms and conditions please view the policy summary and policy wording).

Public liability:

  • Abuse cover only available to clubs who ensure all persons who operate in some capacity for the club (e.g. managers, coaches and members etc) and have involvement with children have been DBS (previously known as CRB) checked and approved as per Football Association recommendations.
  • Coronavirus disease (COVID-19), severe acute respiratory syndrome coronavirus 2 (SARSCoV-2), or any mutation or variation thereof. This exclusion also applies to any claim, loss, cost or expense of whatever nature directly or indirectly arising out of, contributed to by or resulting from:
    a. any fear or threat (whether actual or perceived) of; or
    b. any action taken in controlling, preventing, suppressing or in any way relating to any outbreak of;
    coronavirus disease (COVID-19), severe acute respiratory syndrome coronavirus 2 (SARSCoV-2), or any mutation or variation thereof.
  • Car parks for which you are responsible for. It is a condition that you have a clearly displayed disclaimer of liability for any loss or damage to any motor vehicle. This disclaimer is to be situated in a prominent position in your car park.
  • Designated changing facilities owned or operated by you. It is a condition that you have a disclaimer of liability for any loss or damage to visitors’ effects within the designated changing facility. The notice must be prominently displayed in or adjacent to the designated changing facility. An attendant must be on duty therein throughout the whole of the time the designated changing facility is in use or it must be adequately locked if unattended.

Cyber liability:

You must:

  • take reasonable steps to use, maintain and upgrade any program which protects against computer viruses or any unauthorised use of or access to the Insured’s computer system, network, electronic link or website;
  • make back-up copies of any data, file or program at reasonably frequent intervals;
  • cancel any username, password or other security protection after the Insured became aware or had reasonable grounds to suspect that it had been made available to any unauthorised person;
  • make reasonable steps to ensure that all personal data held by the Insured is encrypted.
    Please view the policy summary and policy wording for details.

Legal liability insurance is arranged by this County FA as a group policy which allows you to purchase the cover at a cost effective premium, whilst also benefiting from a wide cover designed for grassroots football.

  • This cover is purchased when you affiliate to this County FA and the premium is collected together with your affiliation fees. (this includes affiliation via The FAs Whole Game System where applicable).
  • Once the premium has been received, and your affiliation has been accepted, you will be sent an ‘Evidence of Cover’ from your County FA.

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).