2023 Insurance Update – Football NSW

2023 Insurance: Action from a Women's AL3 match between Avalon and Curl Curl. Photo credit: Jeremy Denham

Dear Participant,

As you will be aware, the Football NSW Insurance Program includes Personal Accident insurance for a range of participants.

As part of that insurance cover, participants may be entitled to a Loss of Income Benefit in certain circumstances.

Details about the Football NSW Insurance Program can be found here and additional information about Personal Accident insurance can be found here.


Football NSW wishes to advise participants that for the 2023 football season, they have the option to purchase additional Loss of Income Cover (Top-Up Cover).

Subject to the payment of an additional premium, the Top Up-Cover increases the Weekly Benefit payable under the standard insurance from the lesser of 85% of net income or $250 per week, to the lesser of 85% of net income or $500 per week for an injury sustained whilst playing, or engaging in, sanctioned football activities for registered participants.

Please note that the Top-Up Cover is only available to participants with full-time employment. Other eligibility criteria and conditions apply.

Please click here for more information about the Top-Up Cover or contact Gow-Gates directly with any questions on (02) 8267 9999 / football@gowgates.com.au.


Please note that coverage limits, excesses, terms, conditions and exclusions apply to all insurance cover under the Football NSW Insurance Program.

While the Football NSW Personal Accident Insurance provides basic levels of cover for participants, it is not all encompassing (this is necessary to keep the cost of insurance affordable for all participants) and does not seek to replace the need for private health cover and other insurances. The Top-Up Cover is also not all encompassing and provides limited additional cover.

Football NSW strongly encourages all participants to assess their personal circumstances and decide if they should take out additional Loss of Income Top-Up Cover or their own private health insurance, life insurance, trauma cover and/or income protection insurance over and above the coverage provided under this Program.

Income protection insurance, in particular, may provide a greater level of cover and additional loss of income benefits than provided under the Football NSW Insurance Program in the event you are unable to work due to injury.  This is particularly important for participants whose work involves manual labour and who may therefore be unable to work at all if injured.


Notice board

Find updates on each club and positions available.


Searching for Clubs?

Find clubs, club contacts, field locations and more in our clubs directory. 

Get social

Upcoming Events