{"id":43078,"date":"2026-09-20T07:02:46","date_gmt":"2026-09-20T12:02:46","guid":{"rendered":"https:\/\/bbrown.com\/?post_type=insight&p=43078"},"modified":"2026-10-09T06:15:43","modified_gmt":"2026-10-09T11:15:43","slug":"cricket-club-underinsurance","status":"publish","type":"insight","link":"https:\/\/bbrown.com\/uk\/insight\/cricket-club-underinsurance\/","title":{"rendered":"Underinsurance: Could Your Cricket Club Be Caught Short?"},"content":{"rendered":"

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\n Underinsurance: Could Your Cricket Club Be Caught Short?\n <\/h1>\n\t\n <\/div>\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n\t\t\t
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\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\n[\/vc_column][\/vc_row][vc_row row_padding_top=”pt-4″ el_class=”overflow-visible overlapping-row”][vc_column el_class=”overlapping-column”][vc_single_image image=”43099″ img_size=”1082×439″ alignment=”center” el_class=”brand-rounded-corners-right”][\/vc_column][\/vc_row][vc_row row_padding_top=”pt-4″ gap=”0px”][vc_column][vc_column_text]Your pavilion, clubhouse, grounds equipment and other facilities are at the heart of your cricket club. But if the sums insured on your policy haven\u2019t kept pace with today\u2019s rebuild and replacement costs, a serious incident could leave the club facing a significant financial shortfall.[\/vc_column_text][\/vc_column][vc_column][vc_column_text]Is your clubhouse insured for enough?<\/strong><\/p>\n

Research published by RebuildCostASSESSMENT.com in 2026 found that 67% of the properties it assessed were underinsured.<\/p>\n

For cricket clubs, it can be easy for building sums insured to fall out of date. A pavilion may have been extended or refurbished, new changing rooms or practice facilities added, or the same declared value may simply have been carried forward at each renewal. Indexation can help, but it does not establish whether the original figure was correct.<\/p>\n

Importantly, the figure should reflect the cost of rebuilding the property, rather than its market value. This is different as it considers the materials, labour, fixtures and fittings etc – the total cost of reconstructing a property from the ground up following a total loss.<\/p>\n

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Why does underinsurance matter?<\/strong><\/p>\n

If your club suffers a major loss, such as a fire at the pavilion, discovering that you are underinsured at the point of claim could have serious financial consequences.<\/p>\n

Policies may contain an Average Clause, which can allow an insurer to reduce a claim payment where the property has been insured for too little. The precise outcome will depend on the wording of your club’s policy and the circumstances of the claim.<\/p>\n

For example: if a clubhouse with a \u00a3200,000 rebuild cost were insured for only \u00a3100,000, it would be insured for 50% of its rebuild value. Where an Average Clause applies, claims payments may be reduced proportionately. In these circumstances, a \u00a3100,000 claim could therefore result in a payment of only \u00a350,000.<\/p>\n

That could leave the club needing to find the balance from its own funds.<\/p>\n

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Could the club keep operating after a major incident?<\/strong><\/p>\n

It’s not just the pavilion and equipment that need consideration. A serious incident could also disrupt the income your cricket club relies on.<\/p>\n

Business Interruption insurance is designed to protect against insured financial losses following material damage. When reviewing your cover, consider both:<\/p>\n