Insurance

The Australian Rugby Union has arranged the ARU Sports Injury and Liability Insurance Plan on behalf of our Member Unions, their Affiliate Unions, Clubs and Referee Associations. All participants (Players, Coaches, Officials) must be registered with the ARU in order to obtain coverage under the plan.   

All Clubs affiliated with the ARU and/or the various Member Unions are automatically covered under the plan annually. Participation in the plan is compulsory for all Clubs competing in competitions managed by the ARU and/or Member Unions, and a National Participant Insurance Levy is payable by participants upon registration.

Whilst the plan provides basic levels of cover for players and others participating in Rugby, it is not all encompassing (this is necessary to keep the cost of insurance affordable for players) and does not seek to replace the need for private health and other insurances.

ARU encourages all players and officials to take out their own private health insurance, life insurance and ‘Top Up’ coverage over and above the coverage provided under this plan. Gow-Gates can assist in regard to ‘Top Up’ insurance and other insurance requirements.

A copy of the 2017 ARU Insurance brochure is accessed here.

Please also refer to Summary of Cover 2017.

The ARU is encouraged by the growth of different formats and configurations of Rugby Union events, tournaments, and matches. Event sanctioning and special event insurance can be obtained for Rugby Union events, tournaments, and matches conducted outside regular approved Competitions and/or representative matches/programs.  These may include Sevens Rugby, 10s, short tournaments, carnivals and other game variants.

Additionally, groups of persons (referred to as ‘Entity Teams’) who wish to play and train but not necessarily form, or be part of, a Club, regular Competition or Sanctioned Event, may obtain insurance provided that they meet certain requirements.

A Summary of Cover is also available for Sanctioned Events & National Programs and Events.

Event & Entity Teams sanctioning guidelines, application forms and costs are available at our Sanctioned Events & Entity Teams page.

The ARU Rugby Insurance Plan website is provided so that players/parents & club administrators throughout Australia have immediate access to information on the policy benefits, procedures and resources of the insurance plan, including; policy details, coverage, claims information, Rugby risk management and FAQs.

For more information on National Participation Insurance refer to the insurance section in FAQs

 

SERIOUS INJURY

A Serious Injury Report MUST be completed for the following match or training related injuries;

1. Any head or neck injury that results in a player being treated at an emergency department, hospital or after-hours medical centre, 

OR

2. Any injury that results in the admission of a player into hospital. Note, this does not include players taken to an emergency department and allowed home from there. 

Serious Injury Protocol/ Report


ARU WELFARE FUND

The ARU Welfare Fund is an independent Trust, separate to the Australian Rugby Union (ARU), established to provide financial and other assistance to persons who have been involved in the game of Rugby and are in necessitous circumstances. Three independent Trustees consider applications and determine the extent of any such funding or assistance.

The purpose of the fund is to provide assistance to Rugby participants in need by reason of injury, accident, ill health, disability or other misfortune. Such assistance may be way of funding or contribution to education, medical equipment, advancement in life, assistance with mobility, legal advice or contribution to another fund established to support the applicant beneficiary.

Beneficiaries of the fund are persons, residing in Australia, and who are players or former players (or their dependants) or other participants in the game of Rugby Union played under the jurisdiction of the Australian Rugby Union or one of its affiliated bodies. Participants include a player, referee, touch judge, coach, trainer, selector or other individual involved in the organisation, administration, promotion or in any other capacity associated with the game of Rugby Union.

For more information on ARU Welfare Fund please click here