A TYPE OF INSURANCE CAPABLE OF LEAVING AMATEUR FOOTBALLERS ON £30 PER WEEK PART 2 - PICKNSTAKE.COM

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Thursday, 22 November 2018

A TYPE OF INSURANCE CAPABLE OF LEAVING AMATEUR FOOTBALLERS ON £30 PER WEEK PART 2


Self-employed workers or those on freelance contracts are particularly vulnerable to a reduction in income should any injury sustained on a football pitch have an impact on their mobility, while employers are left to decide if full-time staff unable to work because of temporary disablement are entitled to full pay.
David Gilligan, a graphic designer in London, broke his leg while training for Sporting Hackney, a team in the Middlesex County Football League. He said: “If you’re not insured you can’t play; you need every player to be registered to the club. So over the years that gives you the impression that you are covered if you are a registered player.



“But I’ve found that the insurance is inadequate and not worth the paper it’s written on. I spent five days in hospital. After the gloom lifts a bit you start to look at financial security: I rang the insurance company and found out I was ensured for £30 a week and a one-off payment of £150. They don’t pay you for the first two weeks.
“My club are so tight on money that they can’t improve the insurance. There are other players that are taxi drivers, couriers, plumbers, decorators who are not in full-time work. If they get injured they are going to be in real financial trouble.”



Brian Kinsey, player-manager at Harrow in the same league, suffered a serious ankle fracture but did not claim on the club’s policy. He said: “In a tackle my ankle went one way and my leg another, my foot was basically hanging off. My assistant manager looked at the insurance and told me it’s not even worth it because you’re going to get a payment of £100, which will be taxed, so around £60.

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