THE SHORT ANSWER
Membership can provide insurance during sport, but the membership card does not show the full cover. Ask the club for the insurance statement and terms applying to you. Licence, registration, age and activity may need checking.
Also distinguish yourself from your equipment. Accident insurance for a participant is not general cover for stolen skis or a broken bicycle. The club's policy and your own policy may also concern different situations. [1][2]
Keep these points in mind
- Get the statement for your particular membership or licence.
- Check training, competition, journeys and other leisure separately.
- Read personal cover and equipment cover separately.
STEP BY STEP
How to check your cover
Find out which policy the club means
Ask for the insurer, current statement, group agreement and full terms. Ask the club to confirm that your registration or licence is complete where required. Save the reply with the statement, rather than only a link to the club's homepage.
RF distinguishes its basic club policy from cover for active sports participants. The basic policy's accident section does not cover active participants in that role. A club's RF affiliation therefore does not by itself confirm your personal cover during sport.
[1]Match the statement to what you actually do
Read which activities, times and places are included. Separate organised training from training on your own, competition from demonstrations, and the journey to an activity from a private trip. Also check whether a camp abroad needs a different statement.
The Swedish Football Association's 2026 registration information describes insurance for registered players during training, matches and journeys to and from the pitch. This is a football example. Do not apply its rules to another sport or everyone visiting a venue.
[3][2][7]Compare benefits in the personal policies
Read the definition of an accident and any exclusions for sport, paid participation or professional activity. An injury occurring during training is not automatically a covered accident. Overuse injuries and accidents may be treated differently under the terms.
If you also have private accident or child insurance, check both agreements. Fixed benefits for a permanent injury, for example, may be paid by several policies when their conditions are met. The same cost is not reimbursed more than once. Two policies therefore need not be an unnecessary overlap.
[4][6]Read equipment cover as a separate question
Note who owns the equipment and what happened: theft, damage in transit or something breaking during use. Read the home policy's rules on location, supervision, exclusions and excess. Hired or club-owned items may need a different check from your own belongings.
Keep details of the model, age and value. Receipts are one way to establish ownership, but photos and other records may also be relevant. A purchase price is not a payout promise; valuation, limitations and excess affect the assessment.
[8][9]
A limited equipment benefit is not all-purpose cover
A personal policy can contain a defined benefit for belongings damaged in the same accident. Folksam's orienteering information, for example, has specific rules for clothing, glasses and helmets in connection with an injury. That does not provide general theft cover for all sports equipment.
Ask for the right terms for the actual event. An optional equipment policy missing from the documents is not itself a potential gap. Start with the agreements already held and the activity or item your question concerns.
[10][8]Put the club's statement beside your own agreements
Keep the club's insurance statement and your private policy documents in My Forsio. You then have the documents in one place when checking amounts, periods and limitations. If membership cover is unclear, the club or insurer needs to confirm it.
Your club or federation confirms your licence and right to participate; Forsio does not verify them. A missing club statement means Unverified, not that cover is absent. The insurer decides what can be paid following an injury or loss.
Fictional example
One membership. Two things to check.
Kim trains with a club and owns equipment, but does not have the current group statement.
- Personal cover through the club
- Unverified
- Own equipment
- 18 000 kr in declared value
- Next check
- Group statement and equipment terms
Membership and declared value confirm neither the scope of insurance nor a future payout.
Common questions
Are all members insured around the clock?
Not necessarily. Read who is included and during which activities cover applies. A statement for organised sport does not necessarily cover all other leisure time. The club or insurer can confirm what remains unclear. [2]
Can I report an injury to several personal insurers?
Yes. Check which agreements may be relevant and follow their reporting procedures. Fixed benefits and reimbursement of costs work differently. Declare other payments when the insurer asks; the same cost cannot be reimbursed more than once. [5]
MY FORSIO
Bring the documents together when life changes.
Keep insurance documents in one place in My Forsio. Read periods, limitations and details that need confirmation. Free for individuals.
Sources and references
Sources checked
This guide explains general principles of Swedish insurance. Your policy schedule and terms set out what applies to you.
- RF: club insurance and active sports participants
- Folksam: insurance through sports federations
- Swedish Football Association: player registration and insurance 2026
- Konsumenternas: accident definitions and payments from multiple policies
- Konsumenternas: fixed benefits and costs across personal policies
- Konsumenternas: comparison of accident-policy limitations
- Konsumenternas: travel insurance and sports activities
- Folksam: example of conditions for damaged and lost belongings
- Konsumenternas: evidence of ownership and valuation
- Folksam: defined equipment benefits in orienteering insurance