Young Player, First Car? Here’s What Your Insurer Needs to Know  

By Graham Smith, Driving Insurance Broker, Certis Insurance  

Dear Parent

As your child takes an important step towards getting behind the wheel, there’s a lot to think about – from choosing their first car to finding the right insurance.

If your child is involved in sport, there’s one area in particular that we believe parents and young players need to be aware of: making sure their occupation and circumstances are correctly declared to their insurer. 

So, ask yourself: 

1. Is your child involved in organised sport? 
2. Do they receive any income or payment from the club they play for?
3. Do they have a contract with a club or an agent? 
4. Are they an Academy player, Scholar, Under-17 player, Reserve Team player or contracted sportsman? 

If the answer to any of these questions is yes, it’s important to recognise that your child  would be classed as a sports person for insurance purposes. It’s not simply a label; it can make a difference to how their insurance is arranged and the validity of their cover. 

Depending on the circumstances and the insurer’s terms, providing inaccurate or incomplete information could potentially lead to: 

• A policy being cancelled or invalidated, something which would need to be disclosed to all future insurers
•  A claim being declined or limited
• Significant costs for damage to your own vehicle or someone else’s 
• The possibility of having to repay costs to an insurer resulting in serious financial consequences for the player and their family

Social media makes it even more important 

For parents and young players, the message is simple: make sure the information you provide to your insurer is accurate and up to date. 

http://www.certisinsurance.com/no1fan

We’re here to help 

Our company specialises in car insurance for people working in the Sports and Entertainment sectors, and we’re proud to be the official partner of the PDPA (Darts). 

We understand that insurance can be confusing, particularly when a young player is buying their first car and starting to earn money from their sport. 

Our aim is to make the process as straightforward as possible and help young sports people understand what needs to be declared, so they can have the right protection in place as their careers develop. 

Getting the right insurance from the start could save a lot of stress and potentially a lot of money, further down the line. 

For more information on Certis contact them for a chat or a quote here:

For more insights on the business side of football that young players and parents need to know, head over to our Industry Insights series for more on insurance, tax, contracts and investments. Whether your child is a young scholar or earning a small wage as a young professional, don’t over look this important information, and help set your child up right with good business habits from the start.

There’s a lot to navigate as parent or guardian the longer your child continues to develop within the football industry. We don’t want unnecessary things to derail them. Don’t feel you have to go through this journey alone. Join our community to get the support you need, whether it is access to our discussion forums, attending and event or workshop, or having some dedicated 1-to-1 time on a parent support call.