5-a-side football insurance

matthewr

morning all,

I have just agreed to play for a 5-a-side football team as a means of increasing my fitness...

The rules are pretty safe - no slide tackles, no overhead balls, major fines for yellow and red cards etc so i think it should mostly be a good laugh.

However, i am a bricklayer and i work on a bonus salary scheme where i take home a minimal wage which is added to by the amount that i lay in the week. Now this has been working really well for me and i earn a decent wage but i have no insurance for personal injury to cover me if i break an ankle or an arm...

could anyone out there advise me on a good insurance policy to cover me for this situation that isn't going to cost me a fortune?

Many thanks,

Matt

ACG

You can get Income Protection, however due to your occupation it would be quite expensive and you would probably want it on a 1 month deferred period as thats the lowest, which would increase it even more.

However, there is a company called Friends Life, you could take out Income Protection for the minimum premium to atleast give you some income, but they also have an add on called Fracture Cover, i forget how much it costs per month (its around £5 per month on top of the income protection premium), this will pay out anywhere upto £1200 in the event you break a bone. For £20 a month you could have a small amount of Income Protection and Life Cover and be covered twice for fracture cover, meaning if you were to break a bone you could be paid anywhere upto £2400.
The amount you get paid depends on the bone you break but it should atleast give you some income.
An alternative would be take out AS cover and this could pay out from day 1...but again it could be quite expensive.

Go and see an advisor they will be able to advise you properly.