New amateur football clubs insurance scheme (NGIS) comes to effect from 2013/14 season

The past few seasons of amateur football in the UK have seen an increase in players suing opponents over rash challenges and bones broken on the pick. This has forced the Football Association (FA) to set up an insurance scheme – the National Game Insurance Scheme (NGIS) – for amateur players who might be sued over bad tackles. Here’s what you should know about the new amateur football clubs insurance scheme and associated rates.

The National Game Insurance Scheme

According to a directive by the FA, all 11-a-side teams must purchase “Basic Cover” as part of the National Game Insurance Scheme from the beginning of the 2013/14 season. The FA also recommends that clubs consider upgrading the cover to include a weekly benefit payment.

Under the new amateur football clubs insurance scheme, clubs will now have to pay up to £82 a year in insurance cover. Saturday and Sunday league teams that usually have an average of 15 players a squad will be required to pay £26 for the most basic compensation package or up to £82 for the most comprehensive package. This translates to about £1.73 or £5.47 for each player a season in insurance cover.

Mike Dowling, secretary of the Birmingham Amateur Football Association, shared his reservations on the new personal accident insurance scheme:

“It’s not so much the money, it’s the hassle you have to go through. While personal accident cover is being made mandatory nationally, we have had it for a couple of seasons and while it may not cost as much as the kit fee for example, you have to jump through more hoops.

You need stuff like doctor’s certificates or letters even to take out the most basic insurance, which is only about £2 a player a season. The benefits are not great. If you break a leg and have to take time off work, the compensation you get is less than £100 a week.

If you have children and a mortgage to pay off, that amounts to very little. The whole thing is just a bit of a headache really.”

Done deal

Well, while there are genuine reservations on the amateur football clubs insurance scheme, Mike Brown, secretary of the ­Amateur Football Alliance confirmed the NGIS was a done deal:

“Clubs welcome that [scheme] and the FA has concluded a deal for clubs which is cost effective and fits football,” said Mr Brown. The NGIS will be delivered by the FA appointed broker BluefinSport.

It is worth noting that Rugby has had a personal accident scheme similar to NGIS in place for several years and it seems to work fine.

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