Additional Personal Accident Cover

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 IRFU and Galwegians RFC stress that the cover provided by the Compulsory scheme 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.

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.
The benefits, which are payable following an accident are:-

  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 death, loss of sight or loss of use of limbs benefits are payable regardless of an individual’s occupation. Permanent total disability benefit is payable only if the player cannot continue his/her normal occupation or one for which he/she is educated or trained.
  • It is important to note that the cover is restricted to a maximum payout for any one event of €20m regardless of how many individuals are affected. In the event of a large number of death or disability claims resulting from the one event exceeding €20m in total, then the payout by insurers would be a maximum of €20m divided between all claimants.
  • Whilst the current compulsory cover is far greater than the cover provided by other sporting bodies, no-one could accept that this would be sufficient to compensate a seriously injured player

The IRFU and Galwegians RFC stress that the cover provided by the Compulsory scheme is minimum only and it is recommended that individuals should purchase additional cover.

Notification of Accidents

Please contact the Galwegians 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

Galwegians 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.