The Referees Association operates a group personal accident Insurance policy which is a compulsory part of membership for members up to the age of 75.

• There are restrictions for members aged between 14 and 16
• Members aged 75 or over as at 1^st April 2007 are not eligible to participate in the standard scheme but can obtain insurance cover by requesting their ABS Secretary to contact Head Office with the member’s details and
  • completing a brief medical declaration
  • paying the appropriate insurance premium once the application and medical declaration have been approved.

Members should be aware that this is a “personal accident” policy NOT an “all risks” policy or a “Life Insurance” policy and does not cover such items as jewellery, cash, watches, mobile phones, personal clothing, keys or damage to vehicles, which are often covered under other Insurance policies.  

The following notes do not form part of the policy and are for guidance purposes only. Please refer to the policy wording which is available via the link below, for the wording of the policy. 

If, as a direct result of an accident within the British Isles, while

• undertaking a direct journey to and from, officiating or attending a game in a recognised capacity sanctioned by a UK Football Association

• attending a meeting or undertaking work for the insured as authorised by an ABS, National Association or the Referees’ Association

• training, organised by an ABS, (Individual training is NOT covered)

• playing in the insured’s 5-a-side competition

Pre-existing medical conditions are NOT covered under this policy

Members between the ages of 14 - 16 inclusive, not in gainful occupation as an employment, will be covered for a limited range of benefits as specified on the policy schedule a) to j) above but excluding f).  Where members have an income the benefits payable will be equal to that income, or £100 per week, whichever is the lesser amount. Proof of earnings will be required.  Whilst there is an excess period of 14 days under f) members should register their claim immediately in case of a future recurrence of any injury. All claims must be submitted to the Association within 60 days of the event occurring. Claims submitted after 60 days are not covered under the policy.

Claim forms are available from Head Office and all correspondence should be sent to our insurance broker; contact details are listed on the Directory page which is supplied separately.

Where a serious accident has occurred and injury or incapacity continues, ongoing medical certification, when obtained from your doctor, should be sent directly to the insurance broker; contact details are listed on the Directory page which is supplied separately.

For any query after a claim has been submitted, please contact the insurance broker; contact details are listed on the Directory page which is supplied separately.  

Claims not requiring further information, medical reports or clarification are paid monthly, on or around the 20^th of the month after submission, i.e. a claim received by the Association in January will be paid around the 20^th February.

MEMBERS ARE EXPECTED TO TAKE ALL REASONABLE CARE AND PRECAUTIONS TO SAFEGUARD THEIR EQUIPMENT

If in doubt about changing room security, lock any valuables and other items where they cannot be seen, such as in the boot of your car or in the car of someone you know.

WHENEVER POSSIBLE MEMBERS SHOULD KEEP THEIR KIT WITH THEM and should not leave it unattended.  LEAVING KIT UNATTENDED AFTER THE GAME COULD RENDER COVER INOPERATIVE especially if left in unsecured reception areas of clubs such as clubrooms and club reception areas.

If in doubt about the validity of a claim, send it in; a claim will be judged on the information contained on the form.

Click Here for a full Policy Schedule.