Skydiving Insurance

We only cover persons who have been resident of the United Kingdom, Channel Islands or Isle of Man or at an official BFPO (i.e. British Armed Forces base) (in which case Country of Residence is substituted for United Kingdom) for at least the last 6 months.

Yes, we offer a 5% discount for parties of 5 or more and a 10% discount for parties of 10 or more.

For Climbing (sea cliffs / ice climbing), Mountain climbing (with ropes and/or guides), you will be limited to 4000m when outside of Europe (zones 2 and 3).Please note that if you are likely to come across ice whilst you are climbing, you will need to select mountain climbing incl. ropes/guides. This will cover you for crevassed approaches and descents to mountain summits and ice climbing involving ice axes, crampons, ropes and the use of bolts.

Call or email us with your details and we would be happy to have a look into it for you. As we already cover over 500 sports, we might just be able to add another one.

It will depend upon what the condition is and the treatment being received, and it may be affected by the sport that you are planning to do. You would need to provide details which would be submitted to our underwriters, who would then agree the terms under which they would approve the condition. For some more common conditions we can tell you instantly whether or not you would be covered. Otherwise, you can expect to hear within 24 hours (during the working week).

No. The only difference it will make is whether or not we will include cover for any claims relating to that condition. Sometimes the answer is no, and sometimes we will apply a higher excess to any claims that were connected to that condition.

You should advise us of any new medical condition or injury sustained during the course of an annual policy otherwise cover for it will automatically be excluded.

At the first opportunity, you (or someone on your behalf) should call our International Medical Group number 01494 412402. They will be able to help and advise you, and where possible deal direct with the hospital / clinic. If you need alternative flights / transport to get you home, they can help to arrange this. If the treatment is not an emergency, you should always check first to ensure that it will be covered. If you are in Europe, show your EHIC card whenever requested, and then you will not be charged the excess on your policy.

Our policies will cover anyone up to the age of 74 at the time of purchase. We can cover people for this policy age 75 – 84 they just have to call and purchase over the phone having medicals agreed before the quote is sold. There is no cover for anyone 85 years of age and above.

Yes, so long as it is a “trip” which we would define as a minimum of two nights away in pre-booked accommodation.

Yes, we cover sports equipment under all our levels of cover: up to £600 on the Gold Sports Travel Insurance, £400 for Silver and £200 for Bronze. Cover under the Gold level of cover can be increased in £500 increments from the standard £600 cover, up to a maximum of £5,600.

Yes. However, for children there are restrictions. Children under the age of 12 should always travel with an adult insured under the policy, or with a responsible adult. If travelling without an adult named on the policy, cover would need to be upgraded to the equivalent adult rate, and the appropriate additional premium would need to be paid. Children aged 12 and over can travel independently but would need to pay / upgrade to the equivalent adult rate. A child can be included under the policy at the appropriate child rate up to the age of 23 as long as they are in full time education at time of purchase. A child under the age of 23 who is not still in full time education can be covered under the policy but would need to pay the appropriate adult rate. Please call or email us to get a quote.

We are not able to provide cover under any section of the policy if you are travelling to a destination against the advice of the Foreign and Commonwealth Office (FCO). You can check this online at www.fco.gov.uk or by calling 0207 008 0232. We also cannot cover areas more than 150KM (93 Miles) from nearest habitation.

We can cover you provided that you are not expecting to give birth within 2 months of return from the trip and you will not be travelling against medical advice.

Most of our sports include cover for competitive sports unless they say otherwise. Often we then list the same sport including competition, so please check our full list of sports, or contact us to check.

With this policy you would need to cover yourself from the date that you leave home to the date that you return to your home – not just for the dates that you will be doing an activity. You don’t need to add on extra days in case your flight is delayed though – if that happens through no fault of yours, you would be covered under the policy.

You can’t do this online. It must be taken out with a Sales Agent over the phone 01494 484800.
It would need to be agreed by us that those who had already left their country of residence at time of purchase will be covered.
Cover is only agreed on the understanding that nothing has occurred at time of purchase which is likely to result in a claim. There is a 24 hour deferment period from the date and time of purchase before the insurance cover commences.

Yes, just like any other travel insurance, we’ll cover you should you become unwell or have an accident abroad, lose your luggage or experience delays even on trips not involving sports.

We only cover persons who have been resident of the United Kingdom, Channel Islands or Isle of Man or at an official BFPO (i.e. British Armed Forces base) (in which case Country of Residence is substituted for United Kingdom) for at least the last 6 months.

Yes, all policy types include third party liability cover, also known as personal liability. However, you may find that some sports have restrictions or exclusions for liability such as horse riding, dog-related activities and motorised sports. Personal liability is excluded from certain Sports Accident Insurance policies including contact sports where physical contact is an accepted part of the sport eg rugby, football etc. or as indicated when the sport is selected.

No, the policy is an annual policy, but it is also available for one specific day or several consecutive days. If you require more than about 7 days cover, it would be more cost effective to take out the annual policy.

While the Sports Accident and Children’s Personal Accident policies are valid worldwide, they are not designed to replace travel insurance and are only for personal accident (death/disability cover) and liability. No medical fees or repatriation costs are covered and therefore it is best to use Sports Travel Insurance for all travel purposes as we can provide full travel cover tailored to the sport you plan to do. If, however, you already have some general / basic travel insurance in place through your bank account for example and want to do one or two days of sport abroad, you can take out our Activity TopUp policy which will cover your medical expenses and repatriation if you get injured whilst overseas.

Yes, we allow two postponements, provided that we have written confirmation of cancellation from the activity centre where you planned to undertake the activity.

Yes – where the premium (the total price of the policy) is above £60.00, the payment can be split over 11 months. The initial payment will be 20% of the total premium, and the following 10 payments will split the remaining premium into equal instalments. There is no additional charge for paying your policy in instalments.

Your policy remains valid until you are classed as a NON-UK resident and no further policies will be able to be purchased.

No, the maximum that you would receive would be a maximum of 75% of your normal take home pay, so £300 in this case assuming you had taken out cover for up to £300 loss of earnings.

You cannot claim for any loss of earnings for the first 2 weeks that you are unable to work, but after that, as long as you are signed off by a doctor, you can claim for up to 26 weeks from the date of the accident.

We would ask to see evidence of your take home pay for the previous year and divide that by 52 to calculate the weekly payout. Earnings are classed as anything that you pay yourself that you pay tax on.

Our policies will cover anyone up to the age of 74 at the time of purchase. If you are aged between 75-84 years please contact our sales team to discuss the options we have available.

Yes, you can increase your cover by buying income protection units to increase your levels of cover for loss of earnings. Each unit increases the benefit by £50 per week. Up to 20 additional “loss of earnings” units can be purchased meaning that the maximum payout per week could be £1000 as long as that did not exceed 75% of your normal take home pay.