Extreme Sports Travel Insurance Policies
Cover for multiple trips
Long Stay Single Trip
Cover from 2 to 18 months
Short Stay Single Trip
Cover for up to 45 days
It can be difficult to get a travel insurance policy which includes cover for extreme sports. Unsurprisingly, travel insurance companies aren’t that keen on providing cover for people who are trekking at altitude or throwing themselves out of planes. However, at Navigator we understand that everyone needs insurance, even if they are ‘high risk’, and we have policies which cover the skydivers, polo players and bungee jumpers of this world.
If you are an adrenaline junkie and get your kicks from extreme sports when you’re on holiday then it’s obviously very important you get travel insurance which covers the activities you are going to be doing. The many hair raising activities out there fall into different categories and some extreme sports travel insurance policies will not cover every activity that exists. Some policies will cover winter sports, some will cover outdoor activities and others will cover watersports. We have three different versions of our policies, depending on the sports to be covered, Leisure, Action or Action Plus. Our Long Stay policies only cover the Leisure range of activities as standard. If you require cover for the more hazardous Action or Action Plus activities on a Long Stay policy, we will need to request this cover from our underwriters and if they agree, additional cost and conditions will apply.
Whatever travel insurance cover you are getting, whether it is for extreme sports or not, there are a wide range of potential issues to look out for. This could be the excess on your policy, special conditions relating to certain sports and activities or what happens if you lose your luggage somewhere along the way. Navigator Travel’s Travel Insurance Tips & Advice page covers the many areas you need to look out for and gives you a breakdown of what to look for when choosing your policy. Make sure you take it all in so you don’t find yourself in a hot air balloon accident wondering if your medical bills will be covered.
Navigator’s aim is to make the process of choosing your travel insurance as easy as possible before your holiday, giving you all the information in a straightforward format so you can concentrate on the important things, like finding a good diving instructor! We are also available to discuss any issues personally with you if required via phone or email so you know exactly what you’re getting with the policy you settle on.
Depending on the nature of your adventure holiday, there are various travel insurance policies available, which fall into 3 main categories:
- Annual Multi Trip Travel Insurance
- Long Stay Single Trip Travel Insurance
- Short Stay Single Trip Travel Insurance
Whichever of the above policies you choose, you will find that they come in three levels, Leisure, Action or Action Plus. The Action and Action Plus levels are required for certain higher risk sports. You will find the sports categorised on the last page of our Policy Wording Documents. Please note that there are also additional conditions attached to cover for Action and Action Plus sports. For these sports, there is no cover for Personal Liability claims and no cover for additional compensation for Death, Disablement, Loss of Sight/Limb. The Medical Expenses cover applies to participation in Action and Action Plus sports, though the excess deducted from claims (normally £75 on Silver Short Stay or Annual Multi-Trip policies and £50 on Gold Short Stay or Annual Multi-Trip policies or £100 on both Silver and Gold Long Stay policies) is increased to £200 on both policies for medical claims arising from participation in these sports. Our Long Stay policies only cover the Leisure range of activities as standard. If you require cover for the more hazardous Action or Action Plus activities on a Long Stay policy, we will need to request this cover from our underwriters and if they agree, additional cost and conditions will apply. It is worth mentioning here that Personal Liability cover is also always excluded for claims arising from driving motor vehicles of any kind, boats and riding animals.
If you’re the kind of adventure traveller who is regularly out on the road and hunting down the next thrill then you’ll be looking for an annual multi trip policy. If you’re just dipping your toes in the extreme sports world then you might only need a short term policy. If you can’t find the policy you’re looking for then call us direct on 0161 973 6435 and we will do our best to find the most suitable one for your needs.