Dungarvan Rugby Club

Player Insurance

IRFU insurance cover and recommendations for additional insurance

Insurance

Additional Personal Accident Cover

The IRFU and Dungarvan RFC stress that the cover provided by the Compulsory Personal Accident Scheme for Clubs below is minimum only and it is recommended that individuals should purchase additional cover.

Players should understand acknowledge and accept that there are risks of injury (including serious injury) and death in the course of playing and training for Rugby and the player voluntarily accepts such risk of injury or death. 

It is emphasised that this Compulsory Personal Accident Scheme for Clubs does not provide payment of medical expenses or loss of earnings, nor does it cover fatal collapse unless a physical accident precedes same whilst in training or on the match pitch.

It is the player’s individual responsibility that they have adequate insurance in place.

Additional Personal Accident Cover in addition to the IRFU Compulsory Personal Accident Scheme for Clubs described below can now be purchased by individuals as per the options outlined on the following downloadable application form:

The insurers AON have communicated additional information that should be noted:

On all Top Up policies the cover would never be intended replace any individual’s Private Health Insurance or Income Protection Insurance covers (but rather supplement same).

Contact can be made directly by individuals with the AON offices, James Joyce Street, Dublin 1 (tel 01 266 6434 or via aon.com) in relation to any enquiries or quotations required

The IRFU and Dungarvan RFC stress that the cover provided by the IRFU Compulsory Personal Accident Scheme for Clubs below is minimum only and it is recommended that individuals should purchase additional cover.

IRFU Compulsory Personal Accident Scheme for Clubs

The Irish Rugby Football Union arranges Group Personal Accident cover for all players and certain officials who are members of affiliated Clubs. The Union believes it has a responsibility to provide a minimum level of insurance cover and therefore the scheme is compulsory for all Clubs.

Whilst the Union and the Clubs can arrange substantial insurance benefit within their financial means, it still ultimately remains the individual player’s responsibility to ensure that he/she has adequate insurance cover.

The Compulsory Group Personal Accident Scheme cover and conditions are described in the document linked below.

It is emphasised that this Compulsory scheme does not provide payment of medical expenses or loss of earnings, nor does it cover fatal collapse unless a physical accident precedes same. This Compulsory scheme is intended to cover serious injury only and, whilst the “Severe injury” benefit at €1,500,000, may appear substantial, it will not necessarily be sufficient to cover the future needs of a seriously injured young player.

As Insurance Brokers for the Irish Rugby Football Union, Aon provide Compulsory Group Personal Accident cover for Clubs in respect of fixed amounts following death or serious injury.

A summary of the benefits which are payable following an accident are listed below for convenience but does not supersede complete information in the Compulsory scheme document (updated 3/10/2018):

  1. Death €500,000
  2. Loss of 2 limbs and/or the loss of both eyes or 1 limb and 1 eye €500,000
  3. Loss of 1 limb or the loss of 1 eye €250,000
  4. Permanent Total Disablement (subject to restrictions – see Compulsory Cover) €650,000
  5. Severe injury involving loss of use of two legs and two arms Additional: €850,000

Adequacy of Cover

The benefit provided by this compulsory scheme is substantially greater than that provided by other Unions or by other sports bodies. Whilst the Union and the Clubs can arrange substantial insurance benefit within their financial means, it still ultimately remains the individual player’s responsibility to ensure that he/she has adequate insurance cover.

It is emphasised that this compulsory scheme does not provide payment of medical expenses or loss of earnings, nor does it cover fatal collapse unless a physical accident precedes same whilst in training or on the match pitch.

This compulsory scheme is intended to cover serious injury only and, whilst the “Catastrophic injury” benefit at €1,500,000, may appear substantial, it will not necessarily be sufficient to cover the future needs of a severely injured young player.

The scheme is intended to provide a reasonable benefit to seriously injured players.

The IRFU and Dungarvan RFC stress that the cover provided by the IRFU Compulsory Personal Accident Scheme for Clubs is minimum only and it is recommended that individuals should purchase additional cover.

Notification of Accidents

Please contact the Dungarvan RFC Honorary Secretary.

The secretary must notify Connacht Branch immediately of any cases of serious injury which might necessitate the issue of claim forms.

Non Affiliated or ”Scratch” sides

Dungarvan RFC cannot play any match against a non-affiliated side such as a “scratch” team without the permission of the Union.

Clubs visiting this country should carry proof of sanction of both Unions to play.

A Club playing a match against a non-affiliated or a non-sanctioned overseas side, may render the contract between the IRFU and its insurers, null and void, should an accident occur.