Rugby insurance for coaches, teams, and rugby players through Insure4Sport
The fast-paced and physical nature of rugby means that accidents and injuries aren’t uncommon, even for highly-skilled and experienced players and coaches. However, specialist rugby insurance through Insure4Sport can help protect you and your rugby equipment should something happen.
Please note: Coaches and Teams policies are only available for touch rugby. Individual rugby player insurance is available for rugby union, rugby league, rugby 7s, touch rugby, and wheelchair rugby. More information is available via our Important Documents page.
Why choose Insure4Sport for rugby insurance?
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FREE Multi-Sports Cover
Insure4sport arranges multi-sport cover for over 400 sports & activities.
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FREE £250 Equipment Cover
Get cover for theft, loss or accidental damage of your equipment when purchasing a policy.
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Rated Excellent on Trustpilot and insurance provided by Aviva.
Types of rugby insurance
If you decide to take out rugby insurance through Insure4Sport, there are three options available to you depending on the type of policy you're looking for:
Rugby player insurance: Designed for individual rugby players and includes personal accident, public liability, equipment cover, and more.
Rugby coach insurance (touch rugby only): Touch rugby coach or instructor policies include all options available with an individual policy but with the addition of Professional Indemnity and Employers' Liability cover.
Rugby team insurance (touch rugby only): Suited to touch rugby teams or groups that play together and want collective cover for accidents and injuries.
What does rugby insurance cover?
Rugby insurance (inc. touch rugby teams)
- Public Liability – up to £10m for accidental bodily injury to a third party (and damages in respect of such) and accidental damage to third-party property
- Personal Accident – covers accidental injury or death, dental treatment, and more following a rugby accident
- Loss of earnings – up to £750 per week for up to 52 weeks. An excess of 14 days applies
- Theft, loss and damage to rugby equipment
- Hospitalisation compensation – if you are admitted as an in-patient for more than 24 hours
- Worldwide Cover
- Any claims not arising from playing rugby
- Any liability for damage to property belonging to you or in your care (excluding premises and other property you temporarily occupy for the purpose of playing rugby)
- Loss or theft of any rugby equipment left unattended unless there is evidence of forced entry and/or exit to or from any premises, changing room, or any securely locked locker or similar places of storage
- Any claims for rugby equipment where you cannot provide evidence of ownership
- Theft, loss or damage to mobile phones
For more information visit our Important Documents Page.
Rugby coach insurance (touch rugby)
- Professional Indemnity – up to £5m
- Employers' Liability
- Public Liability – up to £10m for accidental bodily injury to a third party (and damages in respect of such) and accidental damage to third-party property
- Personal Accident – covers accidental injury or death, dental treatment, and more following a rugby accident
- Loss of earnings – up to £750 per week for up to 52 weeks. An excess of 14 days applies
- Theft, loss and damage to rugby equipment
- Hospitalisation compensation – if you are admitted as an in-patient for more than 24 hours
- Worldwide Cover
- Any claims not arising from playing rugby
- Any liability for damage to property belonging to you or in your care (excluding premises and other property you temporarily occupy for the purpose of playing rugby)
- Loss or theft of any rugby equipment left unattended unless there is evidence of forced entry and/or exit to or from any premises, changing room, or any securely locked locker or similar places of storage
- Any claims for rugby equipment where you cannot provide evidence of ownership
- Theft, loss or damage to mobile phones
For more information visit our Important Documents Page.
What types of rugby are covered through Insure4Sport?
Like many sports, rugby can be played in various formats, so policies through Insure4Sport have been designed to reflect that.
Individual player policies can cover rugby union, rugby league, touch rugby, rugby 7s, and wheelchair rugby. Teams and coaches policies are also available for touch rugby.
Rugby Union (Players)
Rugby League (Players)
Touch Rugby (Players, Coaches & Teams)
Why consider specialist rugby insurance?
Whether you're coaching a rugby session, playing for a team, or training on your own, rugby insurance can provide peace of mind should something go wrong. For example:
Rugby player insurance through Insure4Sport can help if:
- You get injured during a rugby match or training session
- You accidentally injure another player or damage property while playing
- Your rugby equipment is lost, stolen, or damaged
Rugby coach insurance can also cover you if:
- Someone you coach makes a claim against you after getting injured following your coaching advice
- An employee makes a claim against you for injury or illness while working for you
Do I need insurance to play rugby?
Rugby insurance is not a legal requirement to play rugby in the UK. However, you must have at least Employers’ Liability insurance if you run a rugby coaching business that employs staff.
Governing bodies, such as the RFU or RFL, may provide a basic level of Public Liability and Personal Accident cover for members, but this may not provide the same level of cover as a specialist policy.
Rules can also vary between venues, so it’s always important to double-check your requirements depending on where you’re playing or coaching. For example, some venues may require proof of your insurance before letting you work there.
FREE multi-sports cover
Play or coach more than just rugby? You could benefit from free multi-sports cover through Insure4Sport.
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The cost of rugby insurance through Insure4Sport will vary depending on the type and level of cover you choose. The quickest way to get an accurate cost is to get a quick quote online.
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If you want to insure multiple rugby coaches, you must list them when you take out your policy, as only people who are listed will be covered.
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Touch rugby coach insurance through Insure4Sport is provided on the basis that you hold a relevant touch rugby coaching qualification formally recognised by a UK sport governing body, such as the ETA.
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Whether you’re playing or coaching in a school, sports centre, or just in your local park, you can get cover through Insure4Sport.
Your rugby policy does not have restrictions on where you can play or coach, but if you’re hosting sessions in public spaces, we recommend that you request permission from the relevant local authorities first. If you’re playing or coaching rugby overseas, you must also make sure you have Worldwide Cover selected on your policy.
Appropriate risk assessments should also be carried out according to the location of your sessions.
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Rugby insurance through Insure4Sport can cover your participation in registered tournaments, leagues, and other competitions.
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