Rugby insurance
If rugby is your sport, we have it covered!
Whether you play rugby professionally, semi professional or just for fun we all know the risks involved with injury part and parcel of playing the game. However, when you do get injured it may result in loss of income which can put financial pressure on you and your family so its important to insure yourself against this risk.
See how much cover you can get and how much it could cost, simply complete the request form
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WHY SHOULD I HAVE RUGBY INJURY INSURANCE COVER?
Rugby Union and Rugby League are both tough and physically demanding impact sports. There are heavy tackles, hard scrums and rucks, amounting to plenty of hard knocks during the average game of rugby.
Therefore accidents and injuries are common place, including broken collar bones, legs, arms, ribs and even fingers and thumbs. Rugby injuries like these can easily keep you off work for months at a time, which can mean a significant drop or loss of income, especially if your employer doesn’t provide sick-pay, or if you’re self-employed.
This type of rugby insurance offers you the peace of mind that you’ll have money when you need it most, either as a cash lump sum to help tide you over, or an on-going income whilst you are signed off work.
For extra security, all of our policies cover you 24/7 so you do not have to worry about having to prove that your injury was rugby relate
Like to know more?
5 common rugby injury
Rugby is a full-contact sport, and therefore it is inevitable that injuries can occur during the course of play. Across an average season, 1 in 4 players will receive an injury which puts them out of the game for 1 or more matches. Many other players will receive smaller injuries which do not affect their ability to continue play.
1) Concussion
Concussion, a brain injury that can range from mild to severe as a result of the brain being literally banged against the skull. All concussions are serious, and you should not return to play until a medical expert has advised you it is safe to do so. You don’t have to be ‘knocked out’ and lose consciousness to suffer from concussion, so be aware of the warning signs such as headache, memory disturbance, dizziness and problems with balance
2) Sprains and strains
Shoulders can become dislocated during a tackle or fall if the arm is rotated outwards. A medical expert should be called to ‘pop’ it back into place, although it is important to ensure that there are no other associated injuries, such as fractures. After a period of rest, physiotherapy can effectively rebuild shoulder strength and is essential to help reduce the likelihood of future re-injury. Shoulder arthroscopy or other surgery can be carried out on the shoulder to correct more severe damage.
3) Dislocated shoulders
Shoulders can become dislocated during a tackle or fall if the arm is rotated outwards. A medical expert should be called to ‘pop’ it back into place, although it is important to ensure that there are no other associated injuries, such as fractures. After a period of rest, physiotherapy can effectively rebuild shoulder strength and is essential to help reduce the likelihood of future re-injury. Shoulder arthroscopy or other surgery can be carried out on the shoulder to correct more severe damage.
4) Overuse injuries
Overuse injuries, such as Bursitis (inflammation of the bursa, which acts like a cushion in the shoulder, elbow, knee and ankle joint) and tendinitis (inflammation of a tendon) are commonly seen in rugby players. Although not as obviously serious as some of the trauma injuries, if left without appropriate remedy from your doctor or physiotherapist they could lead to worse injury, and reduced mobility, over time.eruse injuries
5) Slipped disc
Contact sports like rugby are high-risk for neck injury such as a slipped disc (cervical disc prolapse). Repeated stress from tackling gradually breaks down the connective tissue around the discs in the neck. Without this protective tissue, swelling can occur, pressing on nerve endings and resulting in pain. Your spinal surgeon can advise on treatment options including whether spinal surgery is necessary.
Policy Examples
Professional
- For a 31 year old non-smoking professional player, earning £70,000 per year, an Income Replacement Plan could provide you with a maximum monthly income of £3,500, after our standard 26 weeks waiting period, and cost £192.50 per month.*subject to terms and conditions
Semi Pro
- For a 30 year old non-smoking semi-professional player, earning a combined salary of £24,000 per year, an Income Replacement Plan could provide you with a monthly income of £1,300, after an 8 week waiting period, and cost £51.35 per month.*subject to terms and conditions
Amateur
- For a 30 year old non-smoking amateur player, earning £24,000 per year, an Income Replacement Plan could provide you with a monthly income of £1,300, after a 4 week waiting period, and cost £44.72 per month.*subject to terms and conditions
Contact Sport – The professional game
A tough contact sport relished by its participants for its physical nature. But what are the implications of players forced to give up the game? Over the past five years, among the 12 clubs of the Premiership alone, there have been at least 77 early retirements due to injury and four through illness. At least 14 players have been forced to pack up early in the last 12 months. Many more have been through long-term injuries while not publicly blaming them as the cause of retirement.
Premiership players forced to retire in past 12 months:
1. Tom Biggs – Worcester Warriors
2 Mouritz Botha – Newcastle Falcons, England
3 Ben Broster – Wasps, Wales
4 Tom Catterick – Newcastle Falcons
5 Tom Croft – Leicester Tigers, England
6 Will Fraser – Saracens
7 Rob Horne – Northampton Saints, Australia
8 Sam Jones – Wasps
9 Eifion Lewis Roberts – Sale Sharks, Wales
10 George Lowe – Harlequins
11 Winston Stanley – Harlequins
12 Tim Streather – Saracens
13 Netani Talei – Harlequins, Fiji
14 Christian Day – Northampton Saints
Testimonial
Ben Woods – Retired former Newcastle & Leicester rugby union player
‘Taking out cover with Wiltshire Friendly insurance gave me the peace of mind during my playing career that if I was to suffer a career ending injury my financial position was secure. I did, unfortunately, suffer such an injury and the financial support received by Wiltshire helped ease my transition away from the sport.’