Insurance
IRFU insurance details: www.irishrugby.ie/insurance
**Notice to All Club Members and Parents:**
The club is insured with the IRFU for serious or catastrophic injuries to players. However, we strongly encourage all members and parents to ensure that all players, including children, have adequate insurance to cover injuries that may require medical intervention, such as visits to a doctor or hospital.
While our club and coaches strive to maintain the highest safety standards, we cannot accept responsibility for injuries. It is believed that many underage players may be insured through their school’s 24/7 insurance policy. It is the parent’s responsibility to confirm that their child’s school provides this coverage and that their child is adequately insured for any injury-related costs. If parents have any uncertainty, they should check with their child’s school or consider obtaining insurance from a reputable provider, such as Chill Insurance or Aon through the Optional Top Up link on the IRFU website.
Adult players are also strongly encouraged to seek additional insurance coverage, either through Aon’s Optional Top Up (as highlighted by the IRFU) or another insurer. At Ballincollig RFC, we recommend that all players secure personal injury insurance to cover medical expenses and lost income while participating in rugby.
For more details, please refer to the attached information on the IRFU Catastrophic Injury Personal Accident Scheme and visit the IRFU insurance page at: [IRFU Insurance](http://www.irishrugby.ie/insurance). We also encourage players to explore additional personal coverage tailored to their specific needs.
Stay safe and play with confidence!
Note from IRFU regarding the Compulsory Scheme
Adequacy of Cover
The benefit provided by the 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 “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.
Separate optional additional covers are available for all of these benefits via Schemes organised by the Union’s Insurance Broker, Aon (and other companies). The Union strongly recommends that individual players avail of these.
