How to get the best from cricket club insurance

For a number of years now, Cricket Yorkshire has partnered with Howden to provide advice and support on club cricket insurance.

Insurance is not a seasonal thing when you are involved with running a cricket club. There are responsibilities, risks and quite a bit of scenario planning to have comprehensive cover.

That said, many cricket club typically renew their insurance in Spring with secretaries and committee members mapping out the year ahead and thinking about changes to circumstances and the various ways a club night need insurance.

As the ECB’s approved broker, Howden offers a highly personalised service, thinking about each club’s circumstances. There will be commonality across recreational cricket but no two clubs are exactly the same in terms of activities, personnel, facilities (to name a few).

Here is a checklist to think about when it comes to cricket club insurance planning. Howden are available whenever you need them to either discuss an existing policy or get a quote.

You can read our articles in the Howden Cricket Hub.

Check your cricket club insurance

Dig out the policy document and any supporting information then have a read. It won’t be a thrilling page-turner but will save misunderstandings later – after all, who remembers the fine print of what’s included?

This is crucial because a) there may be someone new in charge at the club who will now deal with insurance and b) the circumstances at your cricket club may have changed which should be reflected in any future policy.

Assess what’s changed & planned

The focus of this article is comprehensive insurance cover – because anything less risks exposure and no club or volunteer wants that hanging over them.

Examples of changes which should be reflected in your insurance cover might be: A new women’s and girls section, a clubhouse build or change of use with more winter activity.

A mini internal audit needn’t be a long process, it’s about flagging up and noting questions, concerns and covering changes or future plans during the duration of the cricket club insurance.

Pick the right level of cover

It will be tempting to make insurance based on cost, which is understandable. The difficulty lies in whether you’re comparing identical quotes from different suppliers – but more importantly, the right insurance is absolute peace of mind and vital protection for everyone.

There is a lot to think about but Howden’s cricket club guide is a great guide with all of the questions clubs should of their insurance provider so there is the right cover, as policy wordings vary enormously.

We’re not all insurance experts so it’s human nature to make assumptions or misunderstand what is included sometimes.

One of the things to watch for is the removal of very necessary cover during seasonal closure. When unoccupied, your insurance should still cover:

• Damage to sightscreens, covers, practice nets
• Escape of water claims
• Theft damage to the buildings
• Storm damage

As standard, Howden’s cricket club insurance policies include cover for:

• Buildings
• Equipment in the open
• Contents, machinery, cups and trophies and playing equipment
• Combined liabilities including Professional Indemnity for captains, coaches and officials

Beyond that, you can speak to their club cricket experts who have many years of offering insurance advice to suit everyone from lPremier League clubs with dozens of teams to rural clubs with one team.

Under-insurance

This is a theme that crops up in our articles for Howden and it’s purely based on their own experience of talking to cricket clubs.

Balancing price and cover is absolutely fair enough – you don’t want to overpay for something that will lever happen or doesn’t apply.

However, saving some money off an insurance policy in the short-term might be asking for trouble later on.

Under-insurance is when the level of cover doesn’t match the value of what’s being insured. So, if your policy values your clubhouse at £100,000 but with price hikes in materials and trade, it would actually now cost £200,000 – then there’s a massive shortfall.

That’s why reviewing your insurance annually is essential. Avoid any nasty surprises in the eventuality that we all hope doesn’t actually happen.

Why is Howden’s cricket club insurance unique?

🏏 CLUBMARK & ALL-STARS CRICKET COMPLIANT
Fully compliant with requirements of Clubmark and All Stars Cricket.

🏏 COVER FOR ABUSE & MOLESTATION ACCUSATIONS
Our Public Liability cover includes a £1,000,000 sub limit for Abuse & Molestation accusations.

🏏 STORM & FLOOD COVER AND OTHER EXTRAS
There is also no requirement for mobile equipment to be chained up when not in use.

Need advice? Talk to Colin Mico’s team

Whether you’re already with Howden or assessing your club insurance ahead of renewal, chat with their club cricket specialists.

t: 01883 868521
e: [email protected]

🏏 Read about Howden’s cricket club insurance and get an online quote

This is Partner Content for Howden – if the mood takes you, click to read Cricket Yorkshire’s policy on partner content.