Sport and active holidays are very popular today, as people look to practice their skills in a new environment or even learn a new sport as part of holiday. Many sports and activities such as parachuting and diving, can be much cheaper to do abroad than in the UK. But despite all the dangers associated with extreme sports, insurance for dangerous activities abroad usually not investigated as carefully as they should. Many people assume that their insurance cheap travel covers every sport or activity that may decide to try during the holidays. This is not so much – you have to read the fine print!

Sports and activities covered by their insurance vary from policy to politics, but sports specialist travel insurance, no doubt, be necessary to cover the activities of increased risk. For these more dangerous activities, is likely to face higher insurance costs for himself and larger premiums if they make a claim. For many of the higher risk activities, personal accident and personal liability cover is not included.

All sports travel insurance provider will have a shape different classification of the various activities, sports I have always divided into two main categories …

Moderate Risk

Activities moderate risk are many common sports like basketball, soccer, softball, squash, tennis and cricket. It also includes activities like mountain biking, marathon fan running, biking and hiking at low altitude.

High Risk

Obviously enough, this type of insurance covers sporting activities that have a much higher risk of injury. This includes contact sports like football and rugby and horse riding, motorcycling, surfing bungee jumping, kite, and other risk activities.

Note that the activities may change categories depending on conditions. For example, kayaking is often classed as moderate risk, whereas coastal kayaking can be considered high risk. Many sports insurance policies will only cover scuba diving to a certain depth, for example, or trekking to a certain altitude. Even if your activity of choice is mentioned in your insurance, make sure you double check the details of what they are doing to make sure that they are covered.

Of course, there are plenty of activities that companies like mine will not cover them all. In sports and very high risk activities, such as BASE jumping, or climbing high altitude, you need to contact a specialist insurance provider to sort out with insurance extreme sports! Moreover, any normal sports travel insurance policy is not likely to cover the game of professional sports or competitions – should contact with a specialist to be covered by this type of activity. Amateur level is covered by most standard insurers, but if you intend to compete you need something a little broader.

Whatever sport or activity you intend to try during the holidays, the best thing to do is talk to ensure that you talk to your travel insurance company to be sure to get the right kind of sports insurance. It will only take a few minutes of your time, and could save lots of money in the long term. Uninsured sporting accidents abroad will probably hurt your wallet more than it hurts!

About the Author:

Patrick Chong is the Managing Director of Journey’s Travel. Their commercial travel insurance website, Insuremore, offers cheap
sports travel insurance
and offer a quick and easy online claims feature.

Article Source: ArticlesBase.com – Sports Travel Insurance – Are You Covered?

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