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Insurance for sport

Verified 31 March 2020 - Directorate for Legal and Administrative Information (Prime Minister)

Sports insurance protects you from injuries sustained or caused during the exercise of your discipline. Personal insurance may be compulsory or optional. This depends on the environment in which you practice the sport (independently of any structure, club or school). If you exercise your discipline in a club, the structure must take out insurance. It protects you from injury to another athlete.

Free Practice

The free practice consists of practicing a sport without being part of a sports structure (club or sports federation).

Example :

running in the street, alone and without a club.

The athlete can choose to subscribe to a personal insurance. The risks covered (injuries suffered or caused) are defined in the insurance contract.

Athletes may choose to:

In a club

It is the compulsory insurance of the sports structure that covers the damage caused by one sportsman to another.

Every organizer of sporting activities has the obligation to subscribe to collective insurance contracts covering the civil liability of all participants. The contract must be displayed within the establishment of physical and sports activities (EAPS)..

Personal insurance is therefore optional. Exception: it is mandatory for underwater fishing if you do not have the federation license..

Athletes may choose to take out personal insurance (e.g. accident of life guarantee).

However, insurance is not compulsory.

If the athlete is not covered, he or she will have to pay the costs of his or her injury (relief, care, loss of income following a work stoppage).

Please note

sports facilities must inform their practitioners of the possibility of taking out insurance covering damage to oneself.

School environment

Parents can purchase a school insurance, but it is not mandatory.

School insurance consists of the following guarantees:

  • One liability guarantee which covers damage caused by the child
  • A personal injury guarantee that covers the damage suffered by the child, including if he or she injures himself or herself

FYI  

if parents choose not to take out school insurance, they will have to pay the full cost of the damage caused or suffered by their child.

For extracurricular activities performed by their child, parents have an obligation to subscribe school insurance..

School insurance mandatory consists of the following guarantees:

  • One liability guarantee which covers damage caused by the child
  • A personal injury guarantee that covers the damage suffered by the child, including if he or she injures himself or herself