How to get sports holiday insurance – Forbes Advisor UK

Whether you’re planning to go mountain biking or scuba diving on your next getaway, making sure your travel insurance covers you could be the best 10 minutes you’ve ever spent.

After all, while standard travel insurance policies may cover certain sporting activities, adventure, extreme, or winter sports are likely to be excluded.

So, before the adrenaline rushes to kick in, here’s what you need to know.

Compare travel insurance quotes

Compare from our range of over 100 fonts

What sports are covered by standard travel insurance?

Standard travel insurance policies will automatically cover certain sports activities – swimming, snorkeling and tennis for example. However, policies vary, so be sure to check it out.

Even if the sporting activity is covered, there may be restrictions or limits that you will need to adhere to. For example, you can be covered for scuba diving but only to a depth of 30 meters and with an instructor. If you are pony trekking, you may need to wear a helmet and not participate in competitions, races, jumps, or hunting.

And, just because you don’t view your sport as extreme or risky doesn’t mean it will automatically be covered.

The Post requires that you add Sports and Optional Activities coverage for activities such as sea kayaking, trampoline and mountain biking, for example. And you have to wear a helmet.

My sport is not included – what should I do?

Before a break, think about the sporting activities you plan to participate in. If you already have an annual travel policy that doesn’t cover them as standard, contact the insurer to see if they can be “bolted” on. Otherwise, you will have to look for an insurance policy that specializes in sports.

If you are going on a winter sports vacation, you can add specialized cover for this as well. Again, check the fine print, as what is and is not covered varies. For example, LV = and La Poste allow off-piste skiing and snowboarding, but only if you stay within the limits of the ski area of ​​the ski resort.

If you decide to participate in an activity after purchasing your insurance or while you are away, contact your insurer to add it. Some specialist insurers may allow you to do this at the last minute, but don’t be fooled.

Do I Really Need Specialized Sports Travel Insurance?

Purchasing specialized sports insurance will result in a more expensive premium because the activities you engage in put you at greater risk than if you were just relaxing by the pool. And the more dangerous the sport is considered, the higher the price you will be offered.

However, don’t be tempted to travel without adequate sports insurance as this decision could cost you dearly if something goes wrong. You could end up with huge medical bills or cover repatriation costs that could run into the tens of thousands of pounds.

Also be aware that many policies will exclude coverage for sports you compete in and may have a limit on the number of days you will be covered.

What does sports travel insurance cover?

A comprehensive sports travel insurance policy should cover the following:

  • Medical fees – a key part of any travel insurance policy is the medical coverage it offers, so be aware of the financial limits for this and make sure repatriation is included as well
  • Luggage and personal effects – if they are lost, stolen or damaged
  • Your kit – if you are taking specialized sports equipment with you, make sure it is properly protected by checking the overall and individual limits
  • Cancellation and reduction – if you have to cancel or shorten your trip for some unexpected reason
  • Personal responsibility – if you accidentally injure someone or damage their property. Be aware that there may be exclusions with certain sports for this as well, such as jet skiing or archery, and make sure you are comfortable with the level of coverage you have.

What else do I need to know?

When purchasing a travel insurance policy, it is important that you are honest about your health and report any pre-existing medical conditions, even if it increases the price of a policy. If it turns out that you have been dishonest or that you withheld information, your policy may not be valid.

If you are traveling to Europe, request a free Global Health Insurance Card (GHIC) before your trip. This will entitle you to medically necessary health care (in other words, you cannot wait until you are at home) provided by the state in an EU country, which will either be free or at a cost. reduced.

However, a GHIC should not be considered a substitute for travel insurance as it will not cover all health or repatriation costs. It also won’t offer one of the other valuable protections you get from a comprehensive travel insurance policy, such as cancellation or property loss coverage.

Attention should also be paid to the level of coverage offered by a policy for disruption caused by Covid-19. Review details such as medical coverage, when you would be covered in the event of a cancellation or reduction, and any exclusions.

See our best Covid 19 travel insurance policies for more information.

Keep in mind that unless you have a specialized policy, your insurance is unlikely to cover travel to a country where the Foreign, Commonwealth & Development Office (FCDO) advises against travel.

Should I buy the cheapest sports travel insurance?

To find the best travel insurance policy for you, shop around and compare a number of policies side by side. Take into account financial limits, excess amounts and what is and is not covered as standard.

However, don’t choose a font just because it’s the cheapest option. It is unlikely to provide the most comprehensive coverage and that could make it a false economy if you ever had to make a claim.

Compare travel insurance quotes

Compare from our range of over 100 fonts

Source link

Leave a Reply

Your email address will not be published. Required fields are marked *