Football Insurance – For Dedicated Sports Insurance Cover
Sports insurance is a necessity for any professional, semi professional or serious amateur sports man or sports woman. Having an insurance policy that can specifically guard against the kinds of financial difficulties that can arise as a result of a serious participation in sport at any level offers invaluable protection for family and dependents. Having a football insurance policy, which of course targets the particular dangers and pitfalls involved with participation in the sport on a regular basis, ensures that family and loved ones are provided for financially in the event that injury or retirement causes a dramatic change in the earnings of the home.
Footballers, even amateur ones who play regularly, are in constant danger of injury. The modern game is extremely fast at all levels, and causes such repeated stress and tearing on the joints and muscles that it can cause damage even without a particular tackle or incident. Without sports insurance directly drawn up for football, a player who suddenly finds him or herself injured, in such a way that the person can no longer earn his or her normal wage, may struggle to support his or her family. With a football insurance policy, an inbuilt injury protection scheme will not only pay out wage replacements, but will also pay for hospitalisation and treatment.
The effects of injury are more likely to be financial in the case of amateur players – who receive no payment from the game, but whose injury can prevent them attending their day job. Taking out a proper football related sports insurance policy will guard the amateur player from the possibility that his or her “normal” insurance company will not pay out in the event of an injury sustained through sporting activities.
Professional players, particularly high end professional players, are far less likely to be financially damaged by an injury. Their contracts contain all sorts of clause related to payment through the period of an injury, so they are more or less protected. A football insurance policy for a professional player tends to take up covering slack for them in two other important areas – retirement, and personal threat.
Let’s deal with personal threat first. A professional footballer and any family he or she may have, is subject to an enhanced risk of burglary and/or attack – his or her movements tend to be very well publicised, which means it’s easy to know when his or her other half is home alone, or the house is empty. So many planned attacks have occurred in the homes of professional footballers in the last two years that sports insurance providers are now writing this eventuality specifically into football insurance policies.
Retirement can be hugely dangerous for a professional footballer. Most top level pros (and most mid level pros too) have been footballers all their lives – they have never known how to earn money in any other way. And they go from earning hundreds of thousands, even millions, to earning nothing. It’s a time when a layover sum of money, fed at intervals into the bank account in lieu of the wage no longer coming in, can be very useful. A football insurance policy will provide this.
Sports insurance is absolutely necessary for all frequent sports players – from pros to serious amateurs. Without it, retirement and injury can cause insurmountable financial problems.
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