Applicable to: Players, Parents
Application(s): Public Portal, Mobile Apps
This article will cover the following:
- What Registration Protection covers and costs
- How to add protection during registration
- Making a claim if needed
- Important timing and eligibility information
Related articles:
What is Registration Protection?
Registration protection in PlayHQ protects your registration investment when life gets in the way. Just like travel insurance protects your holiday booking, registration protection gives you peace of mind that you won't lose money if you can't participate due to unforeseen circumstances.
It covers 100% of your registration fees if you need to cancel due to injury, illness, relocation, or other covered events outlined in the full policy terms.
When is Registration Protection available?
Registration protection is only available for player registrations into competitions. You'll see the option to add protection coverage during checkout if your registration includes fees that can be insured.
Protection is NOT available for:
- Program registrations
- Team registrations
- Membership fees, donations, merchandise, or other non-registration fees
- Non-player registrations (coaches, volunteers, etc.)
While not available for those registrations options outside of player registrations into competitions currently, these may be added in future.
Understanding costs and coverage
What's covered
Registration protection covers 100% of your competition registration fees if you need to cancel due to:
- Injury or illness (yours or immediate family)
- Relocation
- Other covered circumstances - for full policy information visit: vicoverage.com/sports-registration-protection
Cost calculation
Registration protection in PlayHQ costs 7% of your total registration fees.
For example, if your registration fees are $200, then optional registration protection costs $14 (7% of $200). Your total registration payment would become $214 plus any service fee charges. This breakdown is clearly displayed in checkout.
Any other cart items NOT covered by protection (e.g. membership fees, donations, merchandise, or other non-registration fees) do not impact the calculation of your coverage.
Adding protection during registration
Selecting coverage
When registering as a player to a competition, look for the registration protection option during checkout.
Review coverage details
- Check the registration protection information, explaining what's covered
- Review the insurance terms and conditions, and consider whether registration protection suits your circumstances
- Review the quoted coverage cost shown in your cart (7% of registration fees)
Add protection to your registration
- Tick the 'Accept Coverage' option if you want protection on your registration fees, else choose 'Decline Coverage'
- Your cart will update to include the registration protection cost if opting in
- Complete your payment to finalise your registration
⚠️ Important: You can only add protection during the initial registration process. Protection insurance cannot be added later or removed after payment.
After you register
Your policy documentation
Once payment is successful, you'll receive your PlayHQ registration confirmation email, along with an Registration Protection policy email from Vertical Insure containing:
- Policy details and coverage information
- Contact details for claims
- Instructions to keep your PlayHQ invoice as proof of purchase
Keep both emails safe - you'll need them if you make a claim.
Making an insurance claim
Step 1: Cancel your registration
Contact your club or association administrator to cancel your registration in PlayHQ.
Step 2: Get proof of cancellation
Obtain one of these as proof of cancellation:
- Email confirmation of your registration cancellation; or,
- Screenshot of your registration history in PlayHQ showing "Cancelled" status
Step 3: Contact Vertical Insure
Contact Vertical Insure directly using the contact details in your policy email. Provide:
- Proof of cancellation (from Step 2)
- Original PlayHQ invoice showing insurance purchase and policy number
Step 4: Claim processing
Vertical Insure will:
- Validate your claim against policy terms
- Process your refund payment directly to you
- Notify you when settlement is complete
Important considerations
Claims process
- Your registration must be cancelled by your club or association administrator in PlayHQ first
- Insurance claims are processed by Vertical Insure, not PlayHQ
- Refunds come directly from the insurance company
- Your club or association doesn't handle registration insurance refunds
For support with registration questions, contact your club or association. If you want to submit a claim or have a questions about your policy, contact Vertical Insure directly via the contact details from your policy email.
Frequently asked questions
Should I purchase Registration Protection? Consider protecting your registration fees if you're concerned about circumstances that might prevent participation, such as injury risk or potential family changes. The 7% premium provides peace of mind that your registration investment is protected against qualifying unforeseen events.
What if I change my mind about protection after registering? Registration protection can only be added during the initial registration process. You cannot add protection later or remove it after payment is complete.
How long does an claim take to process? Contact Vertical Insure directly for specific claim processing timeframes. All claims are handled directly by the insurance company, not through PlayHQ.
Can I get protection for team registrations or merchandise purchases? No, registration protection is only available for individual player registrations in competitions. Team registrations, merchandise, donations, and membership fees are not eligible for coverage.
Do I need separate protection for each child I'm registering? Yes, protection is purchased per individual registration. If you're registering multiple children, you can choose to cover each child's registration separately during their respective checkout processes.
How can I request a refund? You can contact support@verticalinsure.com - Vertical Insure will manage your request from there.