Fabrice Muamba

[plymouth wanderer]

So that if you come round he doesn't need to answer the door

What a nobber you are

i will let you know next time im at the reebok and you can tell me that to my face

[Mar]

*insert pissing contest gif here*

[Sponge]

Embarrassing.

[DJBlu]

Some proper angry people around.

[plymouth wanderer]

Some proper angry people around.

Who me

No

[Dave Sutton's barnet]

Keep going, Fab.

[CAPSLOCK]

So that if you come round he doesn't need to answer the door

What a nobber you are

i will let you know next time im at the reebok and you can tell me that to my face

Oh dear

Like I said, nobber

[plymouth wanderer]

OOO big man

Cvnt

[bobo the clown]

The wrong forum for this sort of stuff, don't you think ??

There are plenty where it's accepted, this isn't one of them.

[plymouth wanderer]

The wrong forum for this sort of stuff, don't you think ??

There are plenty where it's accepted, this isn't one of them.

But....But he started it

[adamworthy2002]

Muambas interview with the sun is on this page

http://www.thesun.co.uk/sol/homepage/ne ... again.html" onclick="window.open(this.href);return false;

video of it.

[mummywhycantieatcrayons]

Personally I struggle to envisage what such an insurance policy would look like. Lots of questions like "Would he be obliged to mitigate his loss by potentially risking his life to carry on playing?" or "How is that one can insure against injury but not loss of form or simply falling out of favour?".

I'd be very interested to hear from anyone who has any insight into footballers' insurance arrangements. My feeling is they'd all be better off investing a portion of their earnings than buying insurance, but I am pretty ignorant on the subject.

Whatever - I think Fabrice is entitled to decide what's best for him and his family without it being described as 'shitty', especially by someone who behaved at the time of the incident as if it was the most exciting thing that had happened to him in years.

Ok, I've done the research myself now.

Having spoken to a friend who works for Barclay's Wealth and another friend who is an underwriter in a LLoyd's consortium, I can confirm that almost all professional footballers have it.

Just had a chat with the guys on our SME desk. Insurance is readily available, and widely promoted. We have a panel of insurance firms to recommend to our players, should the agent (having covered it in his exams to become a licensed agent) not have arranged it.

That kind of insurance is very common, pretty much every professional footballer has it. Lloyd’s specializes in it; I know people who handle but don’t get involved myself so do not know the exact indemnity that somebody like Muamba would get. I would guess that it is probably based on their current earnings, age, history of injuries/illnesses, etc..

Actually I was shown Nuri Sahin (Real Madrid player) a few weeks ago and that was EUR 80,000 premium for a limit of EUR 8 million but I didn’t read the coverage as it’s not our thing.

In terms of getting them to play to mitigate the loss - you would get an independent expert to verify that they cannot play.

I also found this article:

http://www.lloyds.com/News-and-Insight/ ... of-its-own" onclick="window.open(this.href);return false;

Career ending injuries are rare, although a player’s future in football can be cut short due to sickness or an accident off the pitch, says Fraser.

Underwriters provide cover for players both on and off the pitch, and although policies typically exclude activities like extreme sports and piloting helicopters, these can also be insured at Lloyd’s.

Players also may purchase their own insurance to cover lost income as a result of an accident, illness or injury, says Fraser. Typically, a top player will buy up to five times their earnings.

So there you have it. I thought it would be a very difficult market to price if there weren't large numbers of players, but it seems almost everyone is involved, so there are enough participants to spread the risk to an acceptable extent.

It looks like players insure for something around 5x a year's earnings, and then pay an annual premium of around 1-2% of that amount for that cover.

A fascinating world. Now I'd like to get hold of a policy and see what the standard fine print says.

I still think it's an interesting thought that the player who is so badly injured that he gets an expert determination that he shouldn't play again might get a financial windfall (as well as his current contract paid out as a matter of course by his club, who are also insured against this eventuality), whereas someone who is less seriously injured and simply completely loses form and confidence and falls out of favour, will see his contract run down (albeit still paid out) and that's it.

For anyone who is still with me, you might be interested in how the Premier League clubs themselves insure themselves. This is from my ex who is now in the finance department at the Premier League:

Yes, we have centrally purchased insurances for the Clubs – as a collective they are able to obtain insurance cover which would be more difficult to manage on a club-by-club basis (cost etc). This includes player personal accident and illness cover with provision to a level agreed by the Clubs / us. They all pay an annual premium which goes in to a central pot. Clubs often will buy additional covers but that is entirely their own business and nothing to do with us.

[Dave Sutton's barnet]

Interesting.

Now you bring it up, I do recall that Mike Marsh got an insurance payout for a career-ending injury, then played successfully in the Conference. His team were promoted but he couldn't go with them as that would negate his payout (and they couldn't afford to make it up to him).

[bobo the clown]

That (above, by mummy...), Plymouth, is why I hid behind the sofa.

I'd just quietly retreat now. Just my advice, but I would.

[plymouth wanderer]

That (above, by mummy...), Plymouth, is why I hid behind the sofa.

I'd just quietly retreat now. Just my advice, but I would.

[boltonboris]

Michael Twiss from Bury got a substantial pay off when he broke his leg. Except he claimed off the others player's insurance. It works both ways.

Dean Ashton also benefited from insurance. To be honest, I think the clubs deduct it from players' salary nowadays on the order of the PFA. So it's pretty much compulsary.

[Lord Kangana]

Didn't that kid at united get a big payout a couple of years back, based on his potential future earnings or something?

[mummywhycantieatcrayons]

Didn't that kid at united get a big payout a couple of years back, based on his potential future earnings or something?

I think that was a claim in negligence, not an insurance payout.

[Lord Kangana]

Ah.

[a1]

Michael Twiss from Bury got a substantial pay off when he broke his leg. Except he claimed off the others player's insurance. It works both ways.

Dean Ashton also benefited from insurance. To be honest, I think the clubs deduct it from players' salary nowadays on the order of the PFA. So it's pretty much compulsary.

is it compulsory to join that union , if youre a footballer ?

or any similar.