{"id":13649,"date":"2023-10-14T10:53:15","date_gmt":"2023-10-14T08:53:15","guid":{"rendered":"https:\/\/pibgroupiberia.com\/?p=31167"},"modified":"2025-05-23T07:59:39","modified_gmt":"2025-05-23T05:59:39","slug":"why-take-out-insurance-for-amateur-sports-leagues","status":"publish","type":"post","link":"https:\/\/pibgroupiberia.com\/en\/blog\/porque-contratar-un-seguro-para-ligas-deportivas-amateur\/","title":{"rendered":"Why take out insurance for football tournaments?"},"content":{"rendered":"<p>When it comes to sport, football is often the star. Millions of people all over the world play and dream of becoming like their idols. But they don't only play football. Basketball, tennis, swimming, athletics?<\/p>\n<p>Even at school, sporting activity is encouraged and the continuity and development of sport is promoted through amateur leagues in different sports. The trend is growing and amateur leagues in different types of sports have proliferated.<\/p>\n<p>What we sometimes don't think about are the risks that may be involved for the people who participate in these leagues. It is easy for any injury to arise while training or playing, in fact it is very common for accidents to occur in these leagues.  If you are in charge of organising amateur leagues, you must have an insurance policy that covers the participants of these competitions. And we explain why.<\/p>\n<h2>What does sports accident insurance consist of?<\/h2>\n<p>If you are an organiser or manage<strong> amateur sports leagues, competitions, league or tournaments<\/strong>, it is important that you hire <strong>insurance to cover injuries<\/strong>, so that any accident does not spoil your activity.<\/p>\n<blockquote><p>Did you know that a knee operation can cost more than \u20ac3,000? It is essential that in the event of any unforeseen event you have a <strong>insurance covering medical expenses<\/strong>.<\/p><\/blockquote>\n<p>This not only gives you peace of mind, but also safety and quality of service to the participants.<\/p>\n<p>We have already pointed out that the frequency of claims in these leagues is high... and this does not make it easy to find competitive insurance in the market that offers a wide range of guarantees.<\/p>\n<p>This type of insurance is usually taken out by sports federations, amateur clubs or sports associations in general. Depending on the <u>Royal Decree 849\/1993, of 4 June 1993.<\/u>, In addition, all federated sportsmen and women must have a compulsory insurance policy that covers aspects ranging from medical and surgical assistance to rehabilitation expenses, compensation for anatomical losses or medical assistance throughout the country, not forgetting assistance in the event of death. This Royal Decree includes what is known as the \u00abcompulsory insurance\".\u00ab<em><strong>compulsory sports insurance<\/strong><\/em>\u00ab.<\/p>\n<p>If we are not federated, we can opt for other more general insurance policies:<\/p>\n<ul>\n<li>Liability insurance<\/li>\n<li><strong>Accident insurance<\/strong> or invalidity, in short, insurance<strong>\u00a0to cover injuries<\/strong> In general, what kind of coverage does the accident insurance have?\n<ul>\n<li>Medical assistance.<\/li>\n<li>Death by accident.<\/li>\n<li>Absolute \/ Partial Permanent Disability due to accident.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>We must not lose sight of the fact that a sportsperson, being federated, must comply with the legislation established in the aforementioned royal decree. But in the case that they are not federated, we must look for other types of insurance that cover the participants with total guarantee. Does all this cause you doubts? At <em><u>PIB Group Iberia<\/u><\/em> \u00a0we make your insurance arrangements easier, so that you can focus on what's important.<\/p>\n<h2>How are these football tournament insurances used?<\/h2>\n<p>As the league or federation is responsible for taking out the insurance, they will be responsible for handling the insurance in the event of any incident.<\/p>\n<p>As with any other insurance policy, in the event of an injury during a match, you should go to one of the medical centres arranged by the company. To do this, it is advisable to know the policy number and the insurance company that covers the league. This information should be available at all matches. It would be a good idea for the referees to be informed of this.<\/p>\n<p>At the same time, the same referee must record in the minutes that there has been an injury during the match. It is good to do so, in case the company wants to check later, avoiding cases of fraud.<\/p>\n<p><a class=\"popmake-26194\" href=\"#\"><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-31045 size-full\" src=\"https:\/\/pibgroupiberia.com\/wp-content\/uploads\/2016\/05\/BANNER-A.gif\" alt=\"\" width=\"500\" height=\"100\" \/><\/a><\/p>\n<h2>What is NOT covered by these sports accident insurances?<\/h2>\n<p>As accident policies are regulated by the Insurance Contract Law, we must abide by the definition of accident given therein. This is a different definition from the one given by the RAE (Spanish Royal Academy).<\/p>\n<p>In this sense, for example, cases such as tendinitis, osteoporosis or bursitis are not covered by these insurances.<\/p>\n<p>In other words, coverage will apply when we talk about: <em>\u00abbodily injury resulting from a sudden, external, violent cause beyond the insured's control\u00bb.\u00bb<\/em>; The terms and conditions of each specific insurance policy must be taken into account.<\/p>\n<h2>Is accident insurance compulsory in these leagues?<\/h2>\n<p>Actually, insurance is compulsory only in the case of federated athletes. The leagues are required to offer a policy to the participants, but it is still being studied to make it compulsory for all of them. And although this would increase the cost of the teams' inscriptions, it would also offer guarantees that are not otherwise specified.<\/p>\n<p>Do you want to know which insurance is right for you? Contact us and we will help you to make your amateur league the safest of all competitions.<\/p>\n<p><a class=\"popmake-26194\" href=\"#\"><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-31045 size-full\" src=\"https:\/\/pibgroupiberia.com\/wp-content\/uploads\/2016\/05\/BANNER-A.gif\" alt=\"\" width=\"500\" height=\"100\" \/><\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>If you organise amateur leagues, you must have insurance to cover the participants in these competitions. And we explain why. <\/p>","protected":false},"author":14,"featured_media":13650,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[15],"tags":[167],"class_list":["post-13649","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-empresas","tag-accidentes"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/13649","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/comments?post=13649"}],"version-history":[{"count":0,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/13649\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/media\/13650"}],"wp:attachment":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/media?parent=13649"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/categories?post=13649"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/tags?post=13649"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}