Club Accident Insurance Scheme

Subject to the terms of this Agreement, the application process and insurer’s terms and conditions being followed, Scottish Rugby will cover the full cost of the premiums for catastrophic injury insurance cover provided under the Club Accident Insurance Scheme for all Clubs participating in Scottish Rugby’s leagues, cup competitions or which otherwise are members of the Union.
This is subject to the indicative premiums per team applicable in respect of the Season as follows:

By way of example only, if a Club runs a total of 15 teams (two senior men’s teams, women’s 1st XV, a men’s 3rd XV playing fewer than five fixtures, a full complement of boys’ and girls’ midi and mini teams) Scottish Rugby will pay an insurance premium of £2,200 in respect of that Club.

All Clubs are encouraged to consider taking out the additional Temporary Disablement cover and to recommend that their players consider taking out personal cover appropriate to their individual circumstances. The compulsory cover provided by Scottish Rugby covers catastrophic injuries only. It does not cover loss of income through temporary injuries.

All Clubs are required to return a completed proposal form in the format provided by Scottish Rugby by no later than 14 September 2025 indicating the number of teams they require cover for. Cover can only be provided if the correct information is provided timeously, otherwise the Club will run the risk of being uninsured.