Insurance Policy

Why we have this policy

Cricket carries a risk of injury, and a parent is entitled to know, before they register, what insurance stands behind the league and what does not. This policy states it plainly, including the gaps.

It works alongside the Medical and Emergency Policy, the Child Safety Policy, and, for the pathway, the International Travel Terms.

Cricket carries a risk of injury

Cricket is played with a hard ball, and injuries happen even when everyone does the right thing. The league takes reasonable care to reduce that risk:

• a stocked first-aid kit at every league ground and session;
• matches run by accredited umpires, who stop play for lightning, unsafe grounds or dangerous bowling under the Competition Rules and the Wet and Extreme Weather Policy;
• age-appropriate balls, and age-group playing conditions.

Players and families share that responsibility. Every player must wear proper cricket attire and the required safety equipment, including a helmet when batting, keeping wicket up to the stumps or fielding close in, and must not take part when injured or unwell. By registering, a parent or guardian confirms they have read this policy and the Medical and Emergency Policy, and understand the risks of taking part in try-outs, training and matches. This is about understanding the risks; it does not take away any duty of care the league owes, or any right you have under the Australian Consumer Law.

1. What the league holds

The league’s liability insurance is held in the name of Victorian Elite Cricket League Incorporated.

Cover	What it’s for	Limit
Public liability	Claims that the league caused injury to someone, or damage to their property, at a league activity	$20 million any one occurrence
Products liability	Claims arising from products the league supplies, such as uniforms	$20 million any one occurrence and in the aggregate
Professional indemnity	Claims arising from the league’s professional advice, such as coaching and selection	$1 million any one claim and in the aggregate
Management liability	Claims against the league’s directors and officers	Not held
Personal accident: players	Set benefits if a player is injured	Not held by the league (see section 3)
Personal accident: volunteers	Set benefits if a volunteer is injured while helping	Not held
Travel insurance (pathway)	Overseas medical, evacuation and cancellation on camps	Not held by the league. Each family buys its own (section 4)

The policy: policy number POL-00136474PL, underwritten by certain underwriters at Lloyd’s led by QBE Underwriting Limited (Syndicate 386), and HDI Global Specialty SE – Australia. Period of insurance: 16 December 2025 to 16 December 2026. The league renews it before it ends, and this page shows the new period when it does.

Venues. Councils, shires, schools and government departments whose grounds and buildings the league hires or uses with permission are covered by the policy for claims for which the league is legally liable. A certificate of currency is available on request from info@vecl.au, and venues that need one are given it before the event.

If a cover is marked “not held”, that is the position today. This page changes when a policy is in place, not before.

2. What is not covered

Said plainly, so nobody finds out after an injury:

• Injuries to players themselves. Public liability responds only where the league is legally liable. The league holds no personal accident cover, so there is no automatic payment for a player who is injured playing.
• Ambulance costs. In Victoria, ambulance transport is not covered by Medicare. Unless you have ambulance cover (section 3), you may be billed.
• Your own equipment. Bats, pads, phones, bags and clothing lost, stolen or damaged at a match or training are not covered by the league.
• Injuries away from league activity, including club cricket, school sport and travel to and from the ground.
• Claims brought outside Australia and New Zealand. The league’s liability cover applies to claims brought in Australian and New Zealand courts. On the India camp, the family’s own travel insurance (section 4) is what pays for medical care.
• Travel booked by families for a tour or event.
• Other terms, conditions and exclusions in the policy wording. Ask us if you want to know whether a particular situation is covered.

3. What we recommend families have

• Medicare, and private health insurance if you have it, including extras if you want physiotherapy covered.
• Ambulance cover. Ambulance Victoria membership, or a private health policy that includes ambulance.
• Club registration and its personal accident cover. Our competition rules require players to be affiliated with a registered club. Ask your club what personal accident cover that registration includes, and whether it extends to league matches, which are not club fixtures.
• Personal accident or income protection cover of your own, especially for senior players who would lose income through injury.
• Contents or portable-items cover for expensive kit.

4. The international pathway

Players travelling to India on the High Performance International Pathway (HPIP) must have travel insurance covering, at minimum:

• overseas medical and hospital costs, unlimited or at least A$10 million;
• emergency evacuation and repatriation;
• cricket as an activity, including training and matches;
• the full dates of travel.

Cancellation and curtailment cover, to protect the programme price, is strongly recommended.

Each family buys a policy meeting this minimum and gives the league a copy of the certificate by 29 November 2026, fourteen days before departure. A player without one does not travel. This is section 7 of the International Travel Terms.

Staff travelling with the squad carry every player’s policy number and their insurer’s emergency assistance number at all times. KIOC is asked to confirm its own insurance before the camp.

5. If a player is injured

1. At the ground: first aid is given, and an ambulance called if needed (000). Parents are contacted straight away.
2. Within 24 hours: a league official completes an incident report. Parents receive a copy on request.
3. Claims: if you believe the league is responsible for an injury or for damage, tell us in writing at info@vecl.au as soon as you can. We notify our insurer and tell you what happens next. Claims on your own insurance (health, ambulance, club or travel) are made by you, and we give you the incident report to support them.
4. On tour: the senior staff member contacts the insurer’s emergency assistance line and the parents, and follows the International Travel Terms.

6. Contractors and partners

Umpires, photographers and coaches engaged as contractors are asked to hold their own public liability insurance. Venues and partners, including KIOC, are asked to confirm their own cover before an event.

7. Review

This policy is reviewed at every insurance renewal, whenever cover changes, and at least once a year. The version and date above show when it last changed.