Abstract

A postal survey was conducted of the attitudes and advice of Welsh governing bodies of amateur sports and their Cardiff-based clubs towards personal sports insurance. Information on 36 of the 39 sports surveyed (92) was sufficient for analysis. Twenty-two of these 36 sports (61) organized insurance at a national level, one at club level (3) and 13 (36) provided no insurance advice. Only 12 sports (33) insisted on mandatory insurance cover. Many sportsmen and women are left to search for an appropriate insurance cover themselves or remain uninsured. Owing to the lack of advice in 36 of cases it was decided to survey Cardiff-based insurance brokers to establish what type of policy they would recommend. Only 41 of the brokers were able to offer a suitable policy. Club policies recommended by the Central Council for Physical Recreation provide individuals with the same sports cover (but at a lower premium) as is available from a personal accident policy. However, cover is somewhat inadequate and may provide a false sense of security. Sports with mandatory sports insurance are not necessarily those with the highest risk of disabling injury. Verf.-Referat