A single Personal Accident Insurance policy for all our walking footballers, instead of having fork out three times - one for our 50+ team, one for our 60+ team and one for our 70+ team, despite the majority of our players being allocated to at least two if not all three of the teams.  Additionally, we have some players who are only registered as 'Training Only', so how are they covered?

A single Personal Accident Insurance policy for all our walking footballers, instead of having fork out three times - one for our 50+ team, one for our 60+ team and one for our 70+ team, despite the majority of our players being allocated to at least two if not all three of the teams.  Additionally, we have some players who are only registered as 'Training Only', so how are they covered?