Home insurance policies will cover your sports kit around the house and some cover while you are out and about, but few include specific sports insurance. Private policies are unlikely to cover you if you are injured while taking part in sport and many policies exclude claims from hazardous sports.

NEC Harlequins have teamed up with Pinnacle Insurance plc, an established sports insurance provider, to offer Quins supporters a variety of first class specialist deals for amateur sportsmen, women and children.

Pinnacle Insurance plc have been sponsoring British sport, including rugby, for many years so they have a particular interest in helping sportspeople to minimise the potential consequences of a sporting injury.

Pinnacle Sports Accident Protection policies for the amateur sportsperson start at just £4.95 per month and you can choose from the levels of cover to suit your needs. Benefits for claimants include tax free cash towards dental costs, physiotherapy, broken bones and hospitalisation - all paid direct to the policy holder. Sports Accident Extra cover also includes Income Replacement benefit.

At Quins, we recommend all our supporters and Associate Club members take advantage of our partnership with Pinnacle.

Members of Associate Clubs attending the 'Trio of Benefits' seminar and lunch on 12th January before the game against Bridgend in the Heineken Cup will have the opportunity to hear Pinnacle representatives speak and to chat with them to find out the best deal for their clubs.

It's easy to join up to the scheme, just click here or call Pinnacle on 08000 350240 for more information.

*The Bare Fact