It is important to note that regular participation is normally a key part of one's qualification for sports insurance. Not necessarily because you will be refused should you wish it, for very irregular participation - but because the purpose of sports insurance is aimed more at people who take part in a given sport on a regular basis.
It's also regularly held by non sporting people and companies whose income is heavily reliant on sports people, clubs and venues. For example, catering, construction and football kit manufacturing firms are all eligible for taking out sports insurance based on their association with a game or club - if the club goes into liquidation the insurance held by the third party company can protect its debts or earnings.
