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  • FIRST POST
    • marcarm
    • By marcarm 12th Feb 18, 6:24 PM
    • 708Posts
    • 837Thanks
    marcarm
    Sports team insurance
    • #1
    • 12th Feb 18, 6:24 PM
    Sports team insurance 12th Feb 18 at 6:24 PM
    Hi,

    Back in October I broke my leg playing for my Sunday League football team. I eventually got the insurance forms completed from the doctor and sent them off.

    I got a settlement figure today and have 2 questions:

    1) They pay a MAX of £375 for a broken leg, but have been offered £250. I have asked why my break (which was very bad, I broke my tib/fib in 4 separate places and dislocated my ankle) is only worth 2/3 of the max but no reply as yet.

    2) In my haste I emailed back and accepted the offer, before realising that they were short. Can I retract my acceptance or is that it now? I have emailed them separately and asked for a breakdown.

    At the end of the day the difference is £125 but it's better in my pocket than it is theirs.

    I cannot find the policy booklet online that quotes figures, I am going by info I was sent when I was in hospital, there is other info online but nothing that relates to how they work out whether you get the max or not.

    I have had 3 months of hell with it, I had compartment syndrome in the hospital which lead to a fasciotomy, and a skin graft which will now be permanently disfigured. My leg is also held together with metal and 12 pins and of course it means I can no longer play football ever again.

    Thank you
    Last edited by marcarm; 12-02-2018 at 6:54 PM.
Page 1
    • paddyandstumpy
    • By paddyandstumpy 12th Feb 18, 7:23 PM
    • 972 Posts
    • 442 Thanks
    paddyandstumpy
    • #2
    • 12th Feb 18, 7:23 PM
    • #2
    • 12th Feb 18, 7:23 PM
    Maybe the £125 is your excess?
    • marcarm
    • By marcarm 12th Feb 18, 7:33 PM
    • 708 Posts
    • 837 Thanks
    marcarm
    • #3
    • 12th Feb 18, 7:33 PM
    • #3
    • 12th Feb 18, 7:33 PM
    Maybe the £125 is your excess?
    Originally posted by paddyandstumpy
    Possibly, I didn't think of that. Not too familiar with insurance really so wasn't sure if there would be an excess or not.
    • marcarm
    • By marcarm 12th Feb 18, 8:35 PM
    • 708 Posts
    • 837 Thanks
    marcarm
    • #4
    • 12th Feb 18, 8:35 PM
    • #4
    • 12th Feb 18, 8:35 PM
    Turns out my club gave me the wrong figures, it is to a max of £250 so they are paying the maximum.

    But, they also pay for scarring but there was nowhere on the original claim form to add that I have been left scarred and with no feeling.

    I have a 5 inch by 3 inch oval scar where I had the fasciotomy/skin graft, which will always be numb as there are no nerve endings there, and also a 3 inch scar among other smaller ones on the other side of my leg.

    All that just from falling awkwardly!!
    • BooJewels
    • By BooJewels 12th Feb 18, 11:03 PM
    • 60 Posts
    • 50 Thanks
    BooJewels
    • #5
    • 12th Feb 18, 11:03 PM
    • #5
    • 12th Feb 18, 11:03 PM
    I'm sorry to hear of your injuries, it sounds like you've had a rough time of it. My personal expertise with insurance is limited to being a customer, but my husband is a sports coach (not professionally, in an evening and weekends) and has to have liability cover for his students and these numbers just didn't sound right to me, so I asked him.

    He seemed to think that a serious injury would pay out in the tens of thousands, if not more, not a couple of hundred quid. He has something like £5 million of liability cover. Is that maybe if the fault lies elsewhere rather than 'falling awkwardly'?

    I may be getting the wrong end of the stick and missing something (as no one else seems as surprised as I feel), but I would suggest that you take professional advice on this at least. Do you have legal cover on your home contents insurance as this might be the sort of scenario that they'd cover? [ETA: I just checked mine and personal injury legal cover is included]
    Last edited by BooJewels; 12-02-2018 at 11:09 PM. Reason: Additional content
    • marcarm
    • By marcarm 13th Feb 18, 4:44 AM
    • 708 Posts
    • 837 Thanks
    marcarm
    • #6
    • 13th Feb 18, 4:44 AM
    • #6
    • 13th Feb 18, 4:44 AM
    I'm sorry to hear of your injuries, it sounds like you've had a rough time of it. My personal expertise with insurance is limited to being a customer, but my husband is a sports coach (not professionally, in an evening and weekends) and has to have liability cover for his students and these numbers just didn't sound right to me, so I asked him.

    He seemed to think that a serious injury would pay out in the tens of thousands, if not more, not a couple of hundred quid. He has something like £5 million of liability cover. Is that maybe if the fault lies elsewhere rather than 'falling awkwardly'?

    I may be getting the wrong end of the stick and missing something (as no one else seems as surprised as I feel), but I would suggest that you take professional advice on this at least. Do you have legal cover on your home contents insurance as this might be the sort of scenario that they'd cover? [ETA: I just checked mine and personal injury legal cover is included]
    Originally posted by BooJewels
    Thanks.

    I did email and withdrew my acceptance in light of new info ie bodily scarring etc.

    The insurance company have a chart if figures they pay out for, currently I am line for 250 broken bone, they don't pay for a dislocated ankle. Also 50 medical expenses and 25 hospitalization benefit, of which I was in hospital for 14 days making a total of 650.

    I then found that my club has the "superior" level of cover which includes a "broken bone top up" of 125 which the ins company have neglected to include, as well as up to 600 for scarring, but no info on how this is worked out so potentially another 725 that I am due which as a single father is quite a considerable amount of money

    Unfortunately it was due to falling awkwardly, twisted my leg as I went up to catch the ball and my tib/fib broke in 4 places, no one was near me at the time, and if truth be told it was in the warm up! Still managed to catch the ball though!
    Last edited by marcarm; 13-02-2018 at 4:46 AM.
    • rs65
    • By rs65 13th Feb 18, 8:33 AM
    • 5,327 Posts
    • 2,531 Thanks
    rs65
    • #7
    • 13th Feb 18, 8:33 AM
    • #7
    • 13th Feb 18, 8:33 AM
    I'm sorry to hear of your injuries, it sounds like you've had a rough time of it. My personal expertise with insurance is limited to being a customer, but my husband is a sports coach (not professionally, in an evening and weekends) and has to have liability cover for his students and these numbers just didn't sound right to me, so I asked him.

    He seemed to think that a serious injury would pay out in the tens of thousands, if not more, not a couple of hundred quid. He has something like £5 million of liability cover. Is that maybe if the fault lies elsewhere rather than 'falling awkwardly'?

    I may be getting the wrong end of the stick and missing something (as no one else seems as surprised as I feel), but I would suggest that you take professional advice on this at least. Do you have legal cover on your home contents insurance as this might be the sort of scenario that they'd cover? [ETA: I just checked mine and personal injury legal cover is included]
    Originally posted by BooJewels
    Sounds like you are talking about liability cover. The OP seems to have personal accident cover.
    • marcarm
    • By marcarm 13th Feb 18, 8:49 AM
    • 708 Posts
    • 837 Thanks
    marcarm
    • #8
    • 13th Feb 18, 8:49 AM
    • #8
    • 13th Feb 18, 8:49 AM
    Thanks, I did find the guide online eventually

    https://bluefin-live-assets.s3.amazonaws.com/media/filer_public/1c/b6/1cb6be15-1d9d-487c-b09e-1d0dcaf7f677/1777-0317_summary_of_cover_-_2017_ngis_finalv2.pdf

    So paying #15, #22 @ 14 days and £50 medical expenses, but as my club has the Superior cover, they should be paying the broken bone top up, and also #26.

    I also have a 5" X 3" scar in the shape of an oval where I had a fasciotomy, and a 3" scar on the other side of my leg where they operated. My lower leg is swollen twice the size of the normal one and will never go back to normal.
    • rs65
    • By rs65 13th Feb 18, 9:31 AM
    • 5,327 Posts
    • 2,531 Thanks
    rs65
    • #9
    • 13th Feb 18, 9:31 AM
    • #9
    • 13th Feb 18, 9:31 AM
    The top-up is Superior Extra.

    Where is the £50 Medical Expenses? Have you paid expenses?

    You need to see the full policy as scarring is 'up to'.
    • marcarm
    • By marcarm 13th Feb 18, 10:09 AM
    • 708 Posts
    • 837 Thanks
    marcarm
    The top-up is Superior Extra.

    Where is the £50 Medical Expenses? Have you paid expenses?

    You need to see the full policy as scarring is 'up to'.
    Originally posted by rs65
    I have the documents sent to me from my Club Chairman, we have the Superior 120 cover, and it does state that we have upgraded to the extra broken bone cover, so not sure why they are not paying out the £375 for that.

    I have found this online about the scarring from the same company

    Length of
    scarring
    Benefit amounts
    for scarring of face
    Benefit amounts for
    scarring of the body
    0cm – 2.4cms Nil Nil
    2.5cms – 4.9cms £200 £100
    5.0cms – 10cms £400 £200
    10cms or over £600 £300

    So according to that I should get £300 for the big one and £200 for the smaller one, the others are not big enough to qualify.

    This is the email I got from them yesterday:

    Thank you for supplying the completed claims form in connection to the fractured fibula and tibia.



    I can confirm the benefit for your injury will be £250 and the policy also extend to cover your medical expenses up to £50 and hospitalisation of up to £25 per day bringing a total claim settlement at £650.



    We will await acceptance of our offer before requesting the above payment in settlement of the claim.
    • rs65
    • By rs65 13th Feb 18, 10:48 AM
    • 5,327 Posts
    • 2,531 Thanks
    rs65
    I have the documents sent to me from my Club Chairman, we have the Superior 120 cover, and it does state that we have upgraded to the extra broken bone cover, so not sure why they are not paying out the £375 for that.
    Originally posted by marcarm
    The document you linked to doesn't mention Superior 120 - only Superior and Superior Extra.

    The document from your Club Chairman will be the relevant one.
    • marcarm
    • By marcarm 13th Feb 18, 11:03 AM
    • 708 Posts
    • 837 Thanks
    marcarm
    So the doc I got from the Chairman says we have Superior 120 Extra cover, the 120 refers to the monthly temporary total disablement benefit, which ranges from 0 to 600.

    Also in this document it states that we have upgraded the broken bone cover to 375.

    So I am kind of assuming that it is an oversight from the insurers and they have missed that we have the extra cover. I have drafted a response to them that I am going to send, listing what I believe the claim should be and invite them to pay it or to dispute it. My claim I have worked out is worth £1275 so a lot more than the £650 they first offered.

    I didn't think a claim like this would be lowballed, I understand it in car insurance claims etc, but this is set out in black and white what they pay out so it has come as a surprise, I haven't had to deal with insurance much thankfully.
    • silverwhistle
    • By silverwhistle 13th Feb 18, 11:42 AM
    • 1,700 Posts
    • 2,231 Thanks
    silverwhistle
    Unfortunately it was due to falling awkwardly, twisted my leg as I went up to catch the ball and my tib/fib broke in 4 places, no one was near me at the time, and if truth be told it was in the warm up! Still managed to catch the ball though!
    Originally posted by marcarm
    I can't offer any practical help but as an occasional goalkeeper for my women's side I can offer sympathy and understanding, and once sprained my wrist badly in the warm up. Played on in pain and afterwards drove a couple of miles in second gear as it was too painful to change gear! Last game we played the keeper popped her shoulder and then had to wait over an hour and a half on the ground waiting for an ambulance.. You are not alone..

    As a more general comment to amateur footballers, the level of insurance at our level is pretty low. I retired early so haven't that worry, but I'd suggest organising one's own loss-of-earnings cover if necessary.
    • marcarm
    • By marcarm 13th Feb 18, 11:49 AM
    • 708 Posts
    • 837 Thanks
    marcarm
    I can't offer any practical help but as an occasional goalkeeper for my women's side I can offer sympathy and understanding, and once sprained my wrist badly in the warm up. Played on in pain and afterwards drove a couple of miles in second gear as it was too painful to change gear! Last game we played the keeper popped her shoulder and then had to wait over an hour and a half on the ground waiting for an ambulance.. You are not alone..

    As a more general comment to amateur footballers, the level of insurance at our level is pretty low. I retired early so haven't that worry, but I'd suggest organising one's own loss-of-earnings cover if necessary.
    Originally posted by silverwhistle
    I was laying on the ground for an hour with about 9 coats on me to keep me warm, they moved the game to another pitch and some people stayed with me. The hospital is less than a mile away from where we played!
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