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Insurance for non-affiliated teams

From the 2013/14 season there was a change in policy, where previously non-affiliated teams wanting to play in one-off matches, invitational matches, charity games or touch, 7s, 10s and 15s tournaments had to request one-off match insurance from the RFU and pay an admin fee of £35. The process has now changed. All non-affiliated teams are now covered as they are pre-approved by the RFU to be covered by the RFU’s Accidental Death and Permanent Total Disability Insurance provided the match or tournament is played in accordance with the RFU Rules and Regulations and the IRB Laws of the Game.

A summary of the RFU’s Accidental Death and Permanent Total Disability Insurance cover is set out at Summary of Personal Accident Protection for Players (PDF 32kB) and for a copy of the full policy wording, please email

Please note that:

  • The above insurance covers accidental death and permanent total disability only as set out in the summary and policy wording

  • The policy does not provide any general protection or cover in the case of loss of earnings or minor and temporary injuries such as broken limb, strains, etc. It is recommended that additional personal protection should be considered, which is readily available from the insurance market

  • If playing abroad, teams are also required to take out additional tour travel insurance (visit our Tours Insurance page for further information)

  • Non-affiliated teams are not covered by the RFU’s public liability insurance cover (including liability for injuries caused by an individual to another or to property) or by any other insurance cover provided by the RFU, unless otherwise agreed in writing by the RFU Legal & Governance Department

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