Insurance

Insurance is a means of protection from financial loss. It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss.

An entity which provides insurance is known as an insurer, an insurance company, an insurance carrier or an underwriter. A person or entity who buys insurance is known as a policyholder, while a person or entity covered under the policy is called an insured. Policyholder and insured are often used as but are not necessarily synonyms, as coverage can sometimes extend to additional insureds who did not buy the insurance. The insurance transaction involves the policyholder assuming a guaranteed, known, and relatively small loss in the form of a payment to the insurer (a premium) in exchange for the insurer’s promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms. Furthermore, it usually involves something in which the insured has an insurable interest established by ownership, possession, or pre-existing relationship.

The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insurer will compensate the insured, or their designated beneficiary or assignee. The amount of money charged by the insurer to the policyholder for the coverage set forth in the insurance policy is called the premium. If the insured experiences a loss which is potentially covered by the insurance policy, the insured submits a claim to the insurer for processing by a claims adjuster. A mandatory out-of-pocket expense required by an insurance policy before an insurer will pay a claim is called a deductible (or if required by a health insurance policy, a copayment). The insurer may hedge its own risk by taking out reinsurance, whereby another insurance company agrees to carry some of the risks, especially if the primary insurer deems the risk too large for it to carry.

Football travel insurance

Millions of people tune in to watch football on the telly and some people even actually play it. That’s why we cover football as standard on all our policies, giving you more to do on your holiday.

We also include cover for over 50 other sports and activities with all of our travel insurance policies, so you can get up to more on your holiday.

WHAT’S COVERED WITH FOOTBALL TRAVEL INSURANCE?

Our policies have cover for over 50 sports and activities, including football. We also cover you for a number of important benefits, including:

  • Holiday cancellation cover
  • Belongings and baggage cover
  • Medical and hospital expenses
  • Passport, money and documents cover
  • Delayed departure cover
  • Accommodation cover

For more information about what’s included with our football travel insurance, have a read of our policy documents.

WHAT ARE THE MOST COMMON FOOTBALL INJURIES?

Surprisingly, playing football can be quite a dangerous sport and comes with a high risk of injury. In fact, it happens to be the sport for which we’ve seen the highest number of injuries over the years. More than any other sport!

But what are those injuries? We’ve listed some of the top injuries to try and avoid when you’re playing football:

  • Knee ligament tears
  • Foot injuries (breaks, sprains, fractures, etc)
  • Ankle sprain
  • Hamstring strain or tear
  • Muscle contusion
  • Hernia
  • Shoulder dislocation
  • Concussions

Luckily, we cover you for any football-related medical and hospital expenses, so you can get on with your game and not have to worry about costly medical bills if you do get injured.

Football

Several codes of football. Clockwise from top left: association, gridiron, rugby union, Gaelic, rugby league, and Australian rules.

Football is a family of team sports that involve, to varying degrees, kicking a ball to score a goal. Unqualified, the word football normally means the form of football that is the most popular where the word is used. Sports commonly called football include association football (known as soccer in North America and Oceania); gridiron football (specifically American football or Canadian football); Australian rules football; rugby union and rugby league; and Gaelic football. These various forms of football share to varying extent common origins and are known as football codes.

There are a number of references to traditional, ancient, or prehistoric ball games played in many different parts of the world. Contemporary codes of football can be traced back to the codification of these games at English public schools during the 19th century. The expansion and cultural influence of the British Empire allowed these rules of football to spread to areas of British influence outside the directly controlled Empire. By the end of the 19th century, distinct regional codes were already developing: Gaelic football, for example, deliberately incorporated the rules of local traditional football games in order to maintain their heritage. In 1888, The Football League was founded in England, becoming the first of many professional football associations. During the 20th century, several of the various kinds of football grew to become some of the most popular team sports in the world.