Prior to Staffordshire FA opening affiliation for the 2017/18 season, we wanted to make Clubs aware of the changes being implemented in relation to Personal Accident Cover requirements.

The National Game Board have approved the introduction of mandatory personal accident insurance for all age groups and formats of Youth Football from the start of season 2017/18. In addition to the upgrades for Youth Football, Staffordshire FA will also be applying upgrades to Open Age formats of the game.

Whilst it was previously mandatory for Youth Clubs to have personal accident cover, a new minimum requirement level has now been set by The Football Association. In order to accommodate these updates, Staffordshire FA have worked closely with Sportsguard to ensure that the policy on offer goes above and beyond these requirements for the benefit of Clubs.

Purchased via the affiliation process, the mandatory levels of cover for Youth Teams must form part of the personal accident cover.

Mandatory Levels of Benefit Cover: 

Life Cover


Accidental Death


Permanent Total Disablement


Loss of One or More Limbs


Loss of Sight in One or Both Eyes


Loss of Speech


Loss of Hearing :-

Both Ears

One Ear




Loss of Internal Organs


Tetraplegia / Quadriplegia


Triplegia / Paraplegia




Temporary Total Disablement for Adult Club/Team Officials

12 month Benefit Period

£200 per month

Home Help Benefit

12 month Benefit Period

£200 per month

Broken Bones (Legs, Foot, Arms, Collar Bone, Jaw &/or Cheek)


Broken Bones (Fingers & Toes)


Primary Dislocation (Kneecap, Elbow, Shoulder &/or Hip)


Snapped / Ruptured Achilles Tendon or Anterior Cruciate Ligament (requiring surgery)


Coma Benefit

365 day Benefit Period

£30 per day

It is also highly recommended that Youth Clubs also have:

Student Not in Gainful Employment Benefit

2 Month Benefit Period

£100 per month

Emergency Dental Expenses (Pain Relief)


Emergency Medical Expenses (inc. X-Rays & Scans)


Extra Travelling Expenses (including Hospital Parking)

1 month Benefit Period


Home/Car Adaptation


Hospitalisation Benefit

30 day Benefit Period

£30 per day

Rehabilitation & Retraining


Facial & Bodily Scarring


Medical Certification Expenses


Legal Advice & Counselling Services

Available 24 hours per day / 7 days a week

In an attempt to support and assist Staffordshire Clubs, Staffordshire FA have included the above recommendations into the standard personal accident cover. At a cost of £21.00 per team, the above benefits have been included at no extra charge to Clubs and will ensure that all players are suitably covered throughout the 2017/18 season.

Adult teams will also benefit from upgrades made to the personal accident cover for the 2017/18 season. Staffordshire FA have negotiated with Sportsguard an increased benefit for the same cost as the 2016/17 season. At a cost of £210.00, players will receive an increased weekly benefit of £125.00 rather than the previous £100.00. This is a mandatory requirement for Adult Clubs which has been included as part of the cover available with Sportsguard.

For a further breakdown please CLICK HERE.


Further information:

If you would like any further information about personal accident cover, or the upgrades included for the 2017/18 season please e-mail affiliation@staffordshirefa.com or contact the office on 01785 256994.

Have your Say