Career Ending Insurance
All PJA members are covered by this group scheme from 1st January 2025 to 31st December 2025 under the following conditions:
- 24 hour/Worldwide
- Permanent Total Disablement from Usual Occupation (Race-riding)
- Accident only (no illness cover)
Full terms and conditions apply. A policy document will be provided upon request. We are grateful to the Racehorse Owners Association who are funding the policy as of 1st January 2022 via a small surcharge on owners per ride. The policy was previously funded by the PJA, HBLB and Ascot Racecourse for an interim period, ensuring continued group career ending insurance post July 2021. There was no career ending insurance cover in place for PJA members from 1st April 2020 to 1st June 2020 and from 1st December to 21st December 2020.
Insurer: Royal Sun Alliance
The policy is placed with Royal Sun Alliance with the following benefit levels, based on a Jockey’s PRIS grade:
| Grade | No of rides in previous season | Benefit Level PTD £ |
|---|---|---|
| 9 | 600+ | 100,000 |
| 8 | 450-599 | 90,000 |
| 7 | 350-449 | 80,000 |
| 6 | 250-349 | 70,000 |
| 5 | 200-249 | 60,000 |
| 4 | 155-199 | 50,000 |
| 3 | 115-154 | 40,000 |
| 2 | 75-114 | 20,000 |
| 1 | 1-74 | 10,000 |