Club Accident Insurance Scheme

Subject to the terms of the Club Investment Fund 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.

The following are indicative premiums (paid by Scottish Rugby) in respect of the 2025/26 Season:

Temporary Total Disablement

All Clubs are strongly encouraged to consider taking out the additional Temporary Total Disablement (TTD) cover. This TTD cover will mean that after a 6-week deferment period, for players who in employment and wholly prevented from attending their usual occupation, they will benefit from a weekly wage of up to £350 (please see full policy for further information on TTD).

The compulsory cover provided by Scottish Rugby covers catastrophic injuries only; it does not cover loss of income through temporary injuries. As such, in addition to taking out the TTD cover, we also suggest clubs recommend that their players consider taking out personal cover appropriate to their individual circumstances.

How to apply for Club Accident Insurance and Optional TTD Cover

All Clubs are required to return a completed proposal form in the format provided by Scottish Rugby by no later than 15 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.

Please click here for more information on the above and if you have any further questions then please email [email protected]