Hi Mick, in response to your final question, insurance cover through affiliation is to the end of June. Public liability insurance is covered per club whereas personal accident cover is per team.

Thanks for that Ellie.

So if say, Mick Hill plays for Corinthians Blues in the Lincs League 60s and 65s plus plays for Corinthians Blues in the East Riding League and also the Spedding Goldthorpe League then in essence pays for personal injury Insurance 4 times? 

Mick, not sure who provides your PAI in your area, but when I questioned this with Sportsguard, who provide the cover for Oxfordshire FA, I was told that provided it was exactly the same squad of players that are registered for one league, that insurance policy would also cover them for the other league...but to clarify, for the Lincs league you would have two different squads because of the age categories, so 2 policies would be required there.

Thanks John, I'm trying to explore whether that is really fair on Walking Footballers compared to regular footballers as currently we are purchasing almost identical policies with the main differences being on differing levels of cover due to our ages. If I was a regular footballer who played Saturday for United FC in the County League and then on a Sunday for the Royal Oak in the local Sunday league then I can reconcile with having two sets of insurances but I feel uncomfortable with the situation that if I represent Corinthians Blues (as a walking footballer) i may have to contribute many times although always playing for the same club?

Is it feasible that Walking footballers take out personal injury cover individually (still sorted by clubs through county FA Insurance providers and part of the player registration process) ?

Do we currently have a situation that if the personal injury cover is team based then individual members of a club (who do not register for competitions) but just attend weekly sessions have no personal injury cover?

Or do every club member who attends weekly sessions need to be registered by a club on the FA whole game system but not actually attached to a team to ensure Insurance cover?

Michael Hill said:

Or do every club member who attends weekly sessions need to be registered by a club on the FA whole game system but not actually attached to a team to ensure Insurance cover?

I know the answer to this as I asked the same question when we 1st affiliated. No, according to our county FA, this is not a requirement. As long as they have some form of membership. We had a serious mishap resulting in a claim in a session. The claim was accepted with the above as proof of being a club member.

Probably questions for the FA to give definitive answers to, but my understanding has always been that to benefit from PAI then all players must be registered via the Club Portal/WGS and attached to a team, even if only attending weekly sessions and not copetitively.

Certainly like you idea of PAI being made available individually - as players could then decide for themselves, but I am guessing that the FA is covering themselves as far as duty of care by insisting that the clubs take out the insurance -having said that, they could actually find that individual policies were a more lucrative option for the County FAs!

Probably questions for the FA to give definitive answers to, but my understanding has always been that to benefit from PAI then all players must be registered via the Club Portal/WGS and attached to a team, even if only attending weekly sessions and not copetitively.

Certainly like you idea of PAI being made available individually - as players could then decide for themselves, but I am guessing that the FA is covering themselves as far as duty of care by insisting that the clubs take out the insurance -having said that, they could actually find that individual policies were a more lucrative option for the County FAs!

I would still see the PAI as mandatory for every player but having paid once that cover follows you around for the year wherever you play. Lots of players pick up sessions away from their usual base whilst holidaying or working away. And as you suggest it would probably be as lucrative or more so than the current system for the suppliers and the FA and possibly savings passed on to the players? 

Hi Mick and John,

In answer to your questions:

• The premiums for personal accident insurance is paid on a per team basis. Yes, a player in multiple teams may have a different policy covering them depending on who they are representing. This happens in other formats in youth and adult football too when playing across multiple teams. We can understand the sentiment of having to pay multiple times but does come down to how the club / team issues their fees.
• If a player is a member of the club, then they assume the cover under whichever team they are registered for so they would have cover at weekly sessions.

Thanks,

Ellie