Travel Insurance Tip No. 9 – Check you have cover for sports and activities

By , January 19, 2012 1:32 pm
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Tip number 9 in our top 10 travel insurance tips is: Make sure that your travel insurance provides cover for any sports and activities you will be taking part in.

Before you buy your travel insurance policy, have a think about what you’re going to be doing on holiday. Are you going to be taking part in any sports or activities?

Skiing and other winter sports are the obvious ones, so if you are going on a beach holiday you may think that you don’t need to worry about it. But what about if you decided to have a go on a jet ski whilst you are there, or go on a quad biking excursion? These types of activities might not be covered on a standard travel insurance policy, so before you take part you should check.

Travel insurance generally covers a number of sports and activities as standard, but it does vary between different travel insurance policies, so it’s always worth checking.  You may find that your chosen activity is covered by your travel insurance as standard, or you may need to add extra cover to your policy.

Most travel insurers will allow you to upgrade your cover to include more adventurous or hazardous activities. As I said before, winter sports is the obvious one, but
there are many popular holiday activities which may require additional cover such as bungee jumping, quad biking or scuba diving below a certain depth.

Don’t take any chances; check that you are covered before taking part in any hazardous
activities – if you’re not covered you could face large medical bills in the event of an accident.

Many travel insurance companies will allow you to add extra cover for sports or activities after you have bought your travel insurance policy, sometimes even if you have already departed on your holiday – so it’s never too late to check your travel insurance cover.

It’s easy to get the right travel insurance cover if you take a few minutes to think about the sort of activities you’re going to take part in before you buy your travel
insurance.

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