In many sports, you are never more than one encounter away from serious injury with career-threatening consequences. The recent tackle that injured World Cup-bound Kieron Dyer is a prime example.

For most of us who play sport for fun, an injury is something we may take in our stride – an acceptable risk in return for the challenge and excitement of competition. However, risk management and insurance still has a role to play, whether or not you are commercially involved in sport for a living.