In club vs. country, who should pay the bill?
Arsenal wouldn’t get a penny in compensation from France or
Wales if Samir Nasri or Aaron Ramsey are hurt playing for their
national teams on Tuesday. Yet the London club could get a tidy
insurance payout if Jack Wilshere picks up an injury marshaling
England’s midfield against Ghana.
Such are the bizarre vagaries and inconsistencies of injury
insurance and compensation in football. No wonder, then, that
Europe’s top clubs want changes from world governing body FIFA.
Most national sides don’t insure players against injury because,
under FIFA’s rules, they don’t have to. Instead, FIFA makes clubs
foot the bill. Not only must clubs release players for national
duties, they must insure them against injury and accidents while
they are away and continue to cover their wages when players return
limping from national matches and training camps. That is like
being obliged to lend your car to a friend and being forced to pay
the repairs if he slams it into a wall.
”It’s a very abnormal situation,” says Michele Centenaro,
general secretary of the European Club Association that represents
nearly 200 of the continents’ leading clubs.
The ECA wants FIFA instead to take out a collective insurance
that would pay clubs compensation when players return injured from
national duty, helping to cover their wages – which these days are
often massive – while they are sidelined. Centenaro says such a
measure could help thaw the sometimes fraught relations between
national teams and the clubs they rely on to lend them players.
”It’s not really about money, it’s about the principle,” he
said in a phone interview. ”It would release tensions and relax
situations when it comes to calling players and clubs releasing
players. We have difficulty to understand how there cannot be an
Players are proud to represent their countries. A national
call-up is prestigious for players’ clubs, too. But it does not
seem fair that they solely should have to pay for that honor.
Jean-Michel Aulas, president of French side Lyon, suggests clubs
could dig in their heels against national demands and ”no longer
accept the release of players systematically” if a solution isn’t
A collective insurance scheme would be ”nothing more than
logical and normal,” Centenaro says more diplomatically.
Another of the current system’s flaws is that it is unevenly
England’s Football Association does insure against player
injury, but that makes it one of the few. The FA opts to do so
”because of our relationship with the clubs; we are borrowing
their assets” and because it is lucky enough to be able to afford
such coverage, says its general secretary, Alex Horne. The FA’s
insurance pays up to 100,000 pounds (?114,000; US$160,000) per
week, for up to 100 weeks, to clubs to help cover their wages when
players are hurt on England duty, Horne said in an interview.
That means that if Tottenham, which is heavily committed in the
Champions League and Premier League, is unlucky enough to lose
Peter Crouch, Aaron Lennon or Jermain Defoe to injury for England
against Ghana on Tuesday, then at least the club should see some
France, however, won’t compensate Chelsea or Arsenal or any club
should Florent Malouda or Nasri or any other player get hurt
Tuesday against Croatia. Like the English FA, the French federation
used to have insurance. But it stopped paying the premiums a few
years ago, says the federation’s treasurer, Bernard Desumer.
Because clubs are supposed to insure their players, even when they
away with the national team, ”I said to myself we are wasting
money,” says Desumer.
Wales is another example of a federation that doesn’t pay – so
Arsenal should hope that Ramsey, its young midfielder, isn’t
injured playing for the Welsh under-21 team against Andorra. The
Wales FA president, Philip Pritchard, says his organization isn’t
wealthy enough to pay compensation to clubs and couldn’t afford
insurance if the rules were changed.
”It would kill a small association like us,” he said in an
interview. ”The lifeblood of the small countries would be
Both FIFA and football’s governing body in Europe, UEFA, point
out that clubs do get compensation for releasing their players for
the World Cup and European Championships. In all, those two bodies
say they will be sharing a total of $208 million (?147 million)
with clubs from the World Cups of 2010 and 2014 and the Euros of
2008 and 2012. Part of that money is meant to help cover clubs’
One possible alternative, at least for World Cups, might be to
put some of the shared-out FIFA payment from 2014 into a collective
insurance fund, says FIFA secretary general Jerome Valcke. His UEFA
counterpart, Gianni Infantino, says a collective insurance system
is feasible but is ”probably quite expensive.”
”It’s clear that we need to look at all this closely,” he
says. ”It’s clear that we need to discuss it.”
John Leicester is an international sports columnist for The
Associated Press. Write to him at jleicester(at)ap.org