Do I Need Specific Travel Insurance for Extreme Sports?
Purchasing travel insurance when going on holiday is usually an easy task, with everyday consumers being able to get budget-friendly quotes at the click of a button. However, when extreme sports come into the equation, finding the right cover might be a more difficult task than first thought. At Mann Broadbent, we have specialised in sport and leisure insurance for more than 60 years, which means we have the correct expertise and knowledge to help find you the perfect cover for when you need to travel to participate in extreme sports.
What is an extreme sport, you might ask?
An extreme sport is like other sports however, there is a much higher risk involved, with the chance of injury/ fatality being much greater than in traditional sports. For example, abseiling can be considered an extreme sport. Those unfamiliar with abseiling, it is the process of descending a mountain, cliff, or man-made structure using a rope and other specialised equipment. A high-adrenaline and high-risk sport that is not for the faint-hearted.
In short, extreme sports are most often activities that are high adrenaline.
– Abseiling
– White water rafting
– Wing Foiling
– Paragliding
These are all examples of extreme sports which we can cover. There are also sports which you may not have considered that DO require extreme sport travel insurance, for example, Rugby, Horse riding, and Marathon running. Get in touch if you are unsure whether your sport requires extreme sport cover.
For more information on insurance specific to Parkour, Adventure Races, Adventure Sports, and Extreme Sports, head to our website or contact a member of the team today.
Why would you want travel insurance?
There are many reasons why the need for travel insurance, which is specific to extreme sports, will be necessary. Take your kit and equipment, for example, with most extreme sports, they use expensive equipment. Having the correct travel insurance will ensure that your kit is covered for any unforeseen circumstances, whether that is theft, damage by a third party, or lost luggage in the airport.
A real example of this is where a haulage company was unable to get the competitors of a cycling race’s bike storage boxes across a border. These bike boxes were worth hundreds of pounds each and had to be claimed back through insurance as they were lost. If the event organiser and the individuals had not had insurance, they would have had a large financial loss.
What is covered by an extreme sports travel insurance policy?
A good extreme sports travel insurance policy will cover you for all the usual benefits that standard travel insurance will cover, however, you will receive additional cover for the specific extreme activity you will be participating in.
A standard travel insurance policy will cover you for benefits such as;
- Cancelled flights.
- Delayed departure.
- Lost or damaged baggage and personal belongings.
- Lost or stolen passport, money, and documents.
- Holiday cancellation.
Plus, the additional cover you will typically receive for your specific activity. These are all subject to the sport you are requesting cover for.
- Personal injury.
- Personal Liability.
- Kit and equipment.
- Medical expenses (including ambulance charges)
- Repatriation if you need to be transported home.
Activity categories.
When quoting for your insurance, we use a category system. Activities are categorised from standard through to extreme, with each category reflecting the level of risk. The higher the category, the higher the level of risk. Selecting the correct category will ensure you are adequately covered. There are optional extensions for Winter Sports. Follow the link and click ‘sports travel insurance’ to view the policy wording, and scroll to find specific sports and the category they sit in.
Standard category – For low-risk activities.
Category 1 – Mild-risk activities.
Category 2 – Moderate-risk activities.
Category 3 – High-risk activities.
Category 4 – Extreme risk activities.
Acquiring the correct travel insurance specific to the activity you are taking part in can give you peace of mind, allowing you to have fun without the financial worry if anything unfortunate were to happen on your trip.
Get in touch to obtain a quote from a member of our expert team, contact us on 01905 612336, or email us at enquiry@mannbroadbent.co.uk. Alternatively, you can visit our website and request a quote.
