' Interesting Cardiff insured Sala for 16m '

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Cardiff City insurers reportedly face reprieve over Sala claim

The insurers of football club Cardiff City could be set to avoid a huge payout over the death of the £15m signing of Emiliano Sala.

Cardiff had previously been reported to have taken out a £16m personal accident policy on Sala with Lloyd’s insurers, led by China Re.

However, the BBC is reporting that Cardiff are refusing to make payments to Sala’s former club Nantes on the grounds that the transfer was not “legally binding.”

The 28-year-old striker died when his plane crashed into the English Channel near Guernsey on 21 January 2019.

Cardiff are claiming that Nantes’ conditions for completion of the deal were not fulfilled and that the player was not registered as a Premier League player.

Cardiff City were due to make its first instalment on 20 February.

But the French club are asserting that the required paperwork was completed and have referred the matter to governing body, Fifa, which has demanded that Cardiff City submit its evidence by April 3.

This could mean the claim becomes “null and void” due to unfulfilled clauses in the initial agreement.

Emiliano Sala_Wiki
Emiliano Sala, deceased striker for Cardiff City
Photo credit: Fabrizio Neitzke, Wiki
The Welsh football club insists that due to the terms of the contract being somewhat elusive, such as the Premier League still having to clear Sala’s registration, that the deal is therefore not “legally binding.”

Number of insurance issues

Clive O’Connell, partner at law firm, McCarthy Denning told Insurance Times: “The tragic case of Emiliano Sala, unfortunately throws up a number of insurance issues.

“There were reports that his registration may not have been effective before he died which would mean that no compensation might be payable by the Professional Footballers Association from its insurance scheme. At the same time, an issue exists as to whether there is cover for his death from the plane owner or operator.

“The first point to mention here is that it is the plane owner or operator who will be in insured under any policy. The policy will protect them against any liability that they incur. If the policy does not respond, the liability will still exist. The owner or operator will still be liable and will have to pay compensation for any negligence from whatever resources they have.

“The second point to make is that much will depend on the terms of the insurance protection that they have purchased. Some motor insurance, for example, will not provide cover if the driver is not licensed. If an unlicensed driver uses a car, that driver is also uninsured.

“This will exacerbate any criminal sanction imposed for driving while disqualified or otherwise unlicensed as there will be an additional charge of driving while uninsured. In those circumstances, the Motor Insurance Bureau will step in an ensure that any injured third party is compensated. The MIB is a body funded by motor insurers from a charge on premiums. There is no equivalent of the MIB in aviation.

“If the policy contains exclusions which limit cover or exclude liability for unlicensed flights, it is very possible that the owners or operators of the plane will not receive anything from insurers. They therefore expose themselves to a claim from the estate of Emiliano Sala which they will have to meet from whatever resources they have.”

He stressed that the terms of the insurance policy will determine what happens, “without sight of that, however, it is impossible to be conclusive.”

great if true.
the article comes across as if written by a walesonline reject though.

great if true.
the article comes across as if written by a walesonline reject though.

if correct he is insured but cardiff still think the contract is invalid

Why don’t we just pay Nantes then we won’t be losing a penny and look good in the public eye.

Why don’t we just pay Nantes then we won’t be losing a penny and look good in the public eye.

16 million isnt enough tho we would have to pay death in services as well also of he wasnt officially our player i doubt the insurance company would pay out anyway

Why don’t we just pay Nantes then we won’t be losing a penny and look good in the public eye.

Because the insurance company will not pay out if contract is void! This is same basis as ciry are using regarding payments , insurance comp wont part with money unless they are forced to

Why don’t we just pay Nantes then we won’t be losing a penny and look good in the public eye.

16 million isnt enough tho we would have to pay death in services as well also of he wasnt officially our player i doubt the insurance company would pay out anyway

Insurance? Death in service? He didnt turn up for his first day at work!

great if true.
the article comes across as if written by a walesonline reject though.

if correct he is insured but cardiff still think the contract is invalid

IF

great if true.
the article comes across as if written by a walesonline reject though.

if correct he is insured but cardiff still think the contract is invalid

does the article sound as if its written by someone who has a grasp..?
banging on about uninsured drivers and plane insurance for transfer fees ?
bit ill thought out I thought.

great if true.
the article comes across as if written by a walesonline reject though.

if correct he is insured but cardiff still think the contract is invalid

does the article sound as if its written by someone who has a grasp..?
banging on about uninsured drivers and plane insurance for transfer fees ?
bit ill thought out I thought.

WALES ONLINE... SAYS IT ALL .... ONLY GOOD FOR WEZ CHIP SHOP!

great if true.
the article comes across as if written by a walesonline reject though.

if correct he is insured but cardiff still think the contract is invalid

does the article sound as if its written by someone who has a grasp..?
banging on about uninsured drivers and plane insurance for transfer fees ?
bit ill thought out I thought.

WALES ONLINE... SAYS IT ALL .... ONLY GOOD FOR WEZ CHIP SHOP!

its insurance times not WOL but just like WOL sounds as if written by someone who can not be bothered to take any interest in what they are writing.

No one knows it's all guesswork, yesterday we have no Insurance today we do?

Firstly, you'd have thought whoever wrote that had copied and pasted all the *car* examples off here.
Secondly, If Daya is correct ( got to right at least once in a lifetime ) then Wayne Nash should be sacked with immediate effect.

No one knows it's all guesswork, yesterday we have no Insurance today we do?

You may be right no one knows if we have it or if we don't have insurance, the only one that keeps spouting that we don't have Insurance and spreading it is a whu fan that keeps slagging of Cardiff city, can u take his word I can't to be honest . It's only Cardiff city FC that really knows if they have an insurance policy on sala.

Firstly, you'd have thought whoever wrote that had copied and pasted all the *car* examples off here.
Secondly, If Daya is correct ( got to right at least once in a lifetime ) then Wayne Nash should be sacked with immediate effect.

That's a bit harsh considering we don't know the circumstances. I would be surprised if Wayne Nash dealt with the main insurances to be honest. Its normally a very senior management role and we have City of London experience on the board.

I'd be surprised if specific insurance would have been taken by that point. Clubs would have cover for that period extending from their general player insurance. Otherwise on deadline day you'd have hundreds of millions of pounds worth of uninsured footballers crossing Europe by all sorts of means. Sky sports would have correspondents outside Lloyds of London checking on whether transfers can go through. Totally impractical.

Now if we knowingly let him travel on a flight in the circumstances now in general knowledge I suspect our insurers would be giving it the big heave ho. If this had happened on one of the flights that was used to transport our staff on company business we may be in a tricky situation for not checking that the operator was a bona fide service provider.

I'm surprised we're saying anything at the moment. I doubt we're saying anything thats not authorised or even prompted by insurers. For the club this is ultimately an insurance loss and its almost impossible for them to treat this any other way. Very harsh considering the human loss. It will come out in the wash but dont be surprised if this takes a couple of years.

great if true.
the article comes across as if written by a walesonline reject though.

if correct he is insured but cardiff still think the contract is invalid

Its all nity gritty details, all insurers are the same.. Try and find any way to get out of paying up.

Firstly, you'd have thought whoever wrote that had copied and pasted all the *car* examples off here.
Secondly, If Daya is correct ( got to right at least once in a lifetime ) then Wayne Nash should be sacked with immediate effect.

That's a bit harsh considering we don't know the circumstances. I would be surprised if Wayne Nash dealt with the main insurances to be honest. Its normally a very senior management role and we have City of London experience on the board.

I'd be surprised if specific insurance would have been taken by that point. Clubs would have cover for that period extending from their general player insurance. Otherwise on deadline day you'd have hundreds of millions of pounds worth of uninsured footballers crossing Europe by all sorts of means. Sky sports would have correspondents outside Lloyds of London checking on whether transfers can go through. Totally impractical.

Now if we knowingly let him travel on a flight in the circumstances now in general knowledge I suspect our insurers would be giving it the big heave ho. If this had happened on one of the flights that was used to transport our staff on company business we may be in a tricky situation for not checking that the operator was a bona fide service provider.

I'm surprised we're saying anything at the moment. I doubt we're saying anything thats not authorised or even prompted by insurers. For the club this is ultimately an insurance loss and its almost impossible for them to treat this any other way. Very harsh considering the human loss. It will come out in the wash but dont be surprised if this takes a couple of years.

Agreed

Why don’t we just pay Nantes then we won’t be losing a penny and look good in the public eye.

christ, I'm glad you don't work for me

Firstly, you'd have thought whoever wrote that had copied and pasted all the *car* examples off here.
Secondly, If Daya is correct ( got to right at least once in a lifetime ) then Wayne Nash should be sacked with immediate effect.

That's a bit harsh considering we don't know the circumstances. I would be surprised if Wayne Nash dealt with the main insurances to be honest. Its normally a very senior management role and we have City of London experience on the board.

I'd be surprised if specific insurance would have been taken by that point. Clubs would have cover for that period extending from their general player insurance. Otherwise on deadline day you'd have hundreds of millions of pounds worth of uninsured footballers crossing Europe by all sorts of means. Sky sports would have correspondents outside Lloyds of London checking on whether transfers can go through. Totally impractical.

Now if we knowingly let him travel on a flight in the circumstances now in general knowledge I suspect our insurers would be giving it the big heave ho. If this had happened on one of the flights that was used to transport our staff on company business we may be in a tricky situation for not checking that the operator was a bona fide service provider.

I'm surprised we're saying anything at the moment. I doubt we're saying anything thats not authorised or even prompted by insurers. For the club this is ultimately an insurance loss and its almost impossible for them to treat this any other way. Very harsh considering the human loss. It will come out in the wash but dont be surprised if this takes a couple of years.

general player insurance...I would imagine clubs carry insurance that in someway reflects their playing staff. this signing was quite a jump in terms of value .
as for Nash he is the stadium manager..not sure what exactly what all that covers but with KC spending most of his time at HR OWEN. Nash is probably the senior person regularly on site....and quite possibly the person tasked with insurance ?

Why don’t we just pay Nantes then we won’t be losing a penny and look good in the public eye.

christ, I'm glad you don't work for me

Lucky I’m a multiple business and property owner then amen dont need to work for you

Let's be honest anyone can make a case for whatever their agenda / opinion is based on various articles and experts. Most it's speculation, some speculation based on a snipit of truth.

I'm reality very few people know the ins and outs.

Why don’t we just pay Nantes then we won’t be losing a penny and look good in the public eye.

christ, I'm glad you don't work for me

Lucky I’m a multiple business and property owner then amen dont need to work for you

Let us know when your doing a freebie night, just to look good.. We would all be up for that!!