FAQ’S Sports

Q: What dates do I need to cover myself for?
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.

Q: Do you insure professionals?

No, we can only insure amateurs and semi-professionals (classed as those earning less than £5,000 per year from their sport).

Q: Can I take out this policy after I have left my country of residence?
No you can’t. It must be taken out prior to departure.

Q: I am going away for a week, but only doing my sport on 1 day. Do I need to cover the sport for the whole week?
If you buy the policy online, yes we do. However if it is in a high sports group, call or email us and we can tailor a quote for you. If you are going to be practicing for an event earlier in the week, you need to consider whether you want cover for that though under the policy.
If you already have general / basic travel insurance you can take out our Activity TopUp policy for the day(s) that you will be doing the sport.

Q:Do you provide cover for children?
Children aged 6 yrs and over can travel on their own provided they pay the full adult premium. On a family Sports Travel policy, the first child aged between 2-16*yrs is charged at 50% of the standard premium provided they are accompanied by a parent or guardian also insured, the second child would be charged at 25% of the adult rate, and 3rd or subsequent children would be free, as would any children under 2. *The same discounts also apply to children up to 23yrs if dependent and in full time education. Otherwise anyone over 16yrs is charged the standard adult premium.

Q:How do you define a partner?
A partner is considered to be the spouse/common law partner/girlfriend/boyfriend of the insured person.

Q:Can you cover me if I’m pregnant?
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.

Q:Will I be covered if I am competing in a competition?
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.

Q:What should I do if my passport is lost or stolen abroad?
You should report it to the local police in the country you are in as soon as possible and obtain a crime reference number (LS01 is the Lost or Stolen Passport Notification form). You should also inform the UK Foreign Commonwealth Office (FCO), embassy, or consulate of the country you are in. The FCO will issue you with a replacement travel document so you can return to the UK. Visit their website www.gov.uk/government/organisations/foreign-commonwealth-office to find out details of the nearest FCO office to wherever you are, or call +44 (0)207 0081500 (0870 606 0290 within the UK).

Q:What documents do I need to take on holiday with me?
We advise that you take the relevant Policy Wording Booklet and your travel insurance certificate / schedule away with you. We can also provide you with a policy card that contains all your insurance details and is easy to carry around. To obtain a card, please contact us using the details on the contact page. Please note there will be an additional charge for postage of your documents and / or card. If travelling to Europe, we would also recommend that you take the EHIC card. This can be obtained for free via the following website: www.nhs.uk/ehic (beware – other websites will charge you for this card).

Q:What happens if my baggage/equipment is lost when I arrive?
It is important to obtain a Property Irregularity Report (PIR) immediately from the airport authorities. When you return to the UK, send off this with all other relevant documentation to validate your claim. If your baggage/equipment is mislaid on your outward journey, an amount can be claimed for obtaining replacement essentials subject to the benefit levels for Delayed Baggage shown under your policy in your Policy Wording Booklet.

Q: What is the longest period for which you can get fixed cover?

You can get single trip cover for any period of up to 12 continuous months so long as you include the day you leave and the day you return. The annual multi-trip policy will allow for multiple trips so long as each trip does not exceed the multi-trip limit as detailed on your policy (Bronze: 35 days, Silver: 60 days, Gold: 90 days (or 89 days for the USA)). You must return to the UK for a minimum of 2 nights before starting a new trip. Please call for further details.

Q:Can I extend my cover while I’m away?
Yes, but you will need to call us on the number at the top of the page at least 3 days before your policy has expired, or before the multi-trip limit has been exceeded (Bronze policies: 35 days, Silver: 60 days, Gold: 90 days). You cannot extend cover after this. Please note our office hours are Monday-Friday, 9am-5.30pm.

Q:Do I need to carry my policy and card details when travelling?
To use the 24hr emergency assistance, all you need is the 24hr medical emergency number. Although you do not need to carry your card and schedule with you for the policy to be valid, some foreign medical providers may wish to see evidence of your cover. Please note you will only receive a card if you choose to have your documents sent to you by post, for which there is an additional charge. Otherwise the details will be only be sent to you via email.

Q: If we buy an annual policy for a couple or a family, does that mean that individuals covered under that policy cannot travel alone?
No. However for children there are restrictions. Children under 16 should always travel with an adult insured under the policy, or with a responsible adult. The same applies to a child under the age of 18 if still fully dependent and in full time education. A child who is aged 18 to 23 if dependent and in full time education, may travel independently of their parents. Any child aged 18 and over, who is not in full time education, will not to pay the full adult premium.

Q:Which countries are excluded from your policies?
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.

Q:I already have holiday insurance but it will not cover me for a certain sport that I’m planning to do for two days. Can you help?
Yes, simply take out Activity ‘top up cover’ for the two days. Top up cover is valid while participating in the chosen sporting activity. Benefits include medical expenses, repatriation, and search and rescue. This policy can be taken out whilst you are away, and documents will be emailed to you as soon as your payment is processed.

Q:If I am injured on my travels, will I be repatriated?
You should contact the claims helpline on 01992 444337 for any medical emergency, and / or if repatriation is required. They will assess the situation with you or your representative. If is an agreed medical necessity, repatriation will be included under the Medical Expenses benefit section.

Q:Does my Sports Travel Insurance Policy provide loss of earnings cover?
No, there is no loss of earnings cover under the Sports Travel Insurance policy although loss of earnings can be covered under the Sports Accident policy if required. If you take out annual Sports Travel cover and annual Sports Accident cover, you will get 5% discount off the second policy.

Q:Do you cover sports equipment?
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.

Q:How do I claim for stolen sports equipment?
All claims must be notified to the claims helpline within 5 days of an incident. Loss or theft must be notified to the local police or authority, and a crime reference number will be required.

Q:I am already abroad. Can I still take out travel insurance?
No, unfortunately not.

Q: I’ve taken out an annual policy to cover myself for European trips. Will it also cover trips in the UK?
Yes, so long as it is a “trip” which we would define as a minimum of two nights away in pre-booked accommodation

Q: My policy is European-wide for group 1 sports, but I’m going on a ski trip (group 2) to the USA. Can I upgrade my policy?
Yes, we can upgrade both the zone that you are covered for and the sports group. You would need to call or email us to arrange this.

Q: I’m British but live abroad, can you cover me?
We only cover persons who have been resident of the United Kingdom, Republic of Ireland, Channel Islands or Isle of Man or at an official BFPO (ie British Armed Forces base) (in which case Country of Residence is substituted for United Kingdom) for at least the last 6 months.

Q: What if I need insurance for two or more different sports groups?
Simply take out a policy for the sport in the higher group and you will be covered for all sports in that and lower groups. Check under “sports we cover” for a comprehensive list of all sports and their group.

Q: How is my policy delivered?
All policies will be sent via email and can take up to 5 minutes to arrive in your inbox. Please check your junk mail folder if you appear to have not received it. If requested, we can also send a hard copy of your policy via post for an additional charge.

Q: How can I amend the address or contact details on my policy?
You can change the above details online by logging into your customer area using your member login, or you can call us on the number at the top of the page.

Q: What if I lose my policy?
You can’t as such. Your policy information will always be held in your unique online customer area if you purchased it online. If you lose your paper documents, just email us or call us on the number at the top of the page and we can resend them.

Q: Can you refund me if I change my mind about the policy and want to cancel?
If our cover does not meet your needs, we will refund your premium in full provided that you advise us within 14 days. You will need to provide evidence that you have not used the policy and you cannot have made a claim or be planning to make a claim. The premium will be refunded to the card used to purchase the policy.

Q: Can I get a discount for group bookings?
Yes, we offer a 5% discount for parties of 5 or more and a 10% discount for parties of 10 or more.

Q: Can I get cover for a pre-existing medical condition on my policy?
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).

Q: Will my medical condition affect the price of the policy?
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.

Q: I already have a policy but have been diagnosed with a new medical condition, what should I do?
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.

Q: I’m abroad, and require medical treatment. What should I do?
At the first opportunity, you (or someone on your behalf) should call our Emergency Assistance no. 01992 444337. 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.

Q: Are there exclusions or limitations to my policy?
Yes, there are some exclusions which are detailed in the policy wording. To check the policy exclusions, please have a look at the policy wording booklet relevant to the policy in question.

Q: How do I make a claim?
Making a claim is straightforward with us. Please see our claims page for details.

Q: I’m planning to do a sport / activity that I can’t see listed on your website. Can you cover it?
Call or email us details, and we’d be happy to look into it. We already cover over 400 sports, and the list is constantly growing.

Q: I am going on a trekking holiday involving mountain peaks. Which sport should I select?
It depends on the altitude. You can select either Trekking –up to 2500m or Trekking – up to 7000m. This will cover you for the non-technical ascent of peaks up to 7000m along recognised trekking routes and includes mountain walking in Britain, the Alps, the Pyrenees and lower routes in the Andes and Himalayas. Examples include Tour du Mont Blanc (not summit), The Haute Route Chamonix-Zermatt, GR20, the Inca Trail, Kilimanjaro and Aconcagua (normal North route). You will not be covered for technical ascents, peaks over 7000m or trekking in very remote or polar regions.

Q: What is the difference between ‘trekking’ and ‘mountaineering’ cover?
If you are climbing a mountain and planning to use any climbing equipment such as ropes, guides or crampons, we would class this as mountaineering. There is no altitude restriction in Europe, but outside of Europe (zones 2&3) please note that you will be limited to 4000m.

Q: I am going to be spending time in the mountains and am likely to come across glaciers, summits requiring technical ascent and graded climbs involving ropes/guides. Which sport should I pick?
You will need to select whichever of the following is most appropriate: glacier walking / ice climbing / mountain climbing / mountaineering. This will cover you for any glacier walking you may encounter including crevassed approaches and descents to mountain summits, ice climbing involving ice axes, crampons, ropes and the use of bolts. Please note that when outside of our zone 1 which includes Europe and selected other countries you will be limited to cover for altitudes up to 4000m when choosing Mountaineering.

Q: I am going on a rock climbing holiday. If I select rock climbing, what is included in my cover?
By choosing our rock climbing insurance, you will be covered for bouldering, sport climbing, via ferrata, trad climbing, multi-pitch climbing indoors and outside up to 7000m, and any other sports listed in the same or lower groups. You will also be covered for climbing crags in alpine valleys and abseiling. Examples of areas abroad where you will be covered include Fontainebleau, El Chorro, Colorado and the Dolomites. You will not be covered for climbs with crevassed approaches or descents or any climbing involving snow and/or ice.

Q: I am going on a climbing holiday with a guide in the Alps. Are there any altitude restrictions to my cover?
Yes, you will only be covered up to 7000m. 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. For this policy however you will be limited to 4000m when outside of Europe (zones 2 and 3).

Q: I need to take out kayaking insurance but I don’t know for which grade of difficulty. How can I find out?
The grading system is a standardized scale that relates to the International Scale of River Difficulty. It reflects the technical difficulty and skill level required associated with the section of river/sea. We categorise our kayaking insurance into 3 separate policies: up to grade 3/sea, grade 4&5, and above grade 5.

Up to grade 3/sea: Clear passages, numerous but manageable waves, some rocks. Most white water kayaking in UK (Tay in Scotland, Dee in Wales, Tyne in North England)

Up to Grade 4: Advanced. Intense, powerful but predictable rapids requiring precise boat handling in turbulent water. A strong Eskimo roll is highly recommended.

Up to Grade 5: Expert. Extremely long, obstructed, or very violent rapids which expose a paddler to above average endangerment, High level of fitness required. Scouting is mandatory. Must be a very good swimmer and able to do a very reliable Eskimo roll and have proper equipment and extensive experience.

Q: Which level of cover do I need for mountain biking if I want to compete as well?

You will need to take out our group 3 policy, mountain biking – downhill or any competition. This will cover you for an competitions you participate in and as the highest level of cover we offer for mountain biking, you will automatically be insured for any other mountain biking you do, such as on cycle paths (group 1) and cross country or on trails (group 2).

Q: I have recently finished a skydiving course. Will my policy now cover me for any solo jumps?
No, we can only offer skydiving under instruction insurance. This means that you will be covered for tandem skydives with an instructor and for training jumps accompanied by an instructor.

Q: I have a horse-riding (competitive) insurance policy with you. Will I still be covered for playing polo?
Yes, you will still be covered because polo is also in sports group 3 and therefore you do not need to take out a higher level of cover.

Q: I’ve already left home and gone abroad. Can I take out this policy?Yes you can, as long as you have general travel insurance in place (this doesn’t have to be in place through us). Documents are emailed as soon as your payment details go through.

Q: I’m just doing one day of sport. What dates do I need to take out cover for?Just the day that you will be doing the sport / activity. So the start and end dates would be the same day.

Q: Do you insure professionals?

No, we can only insure amateurs and semi-professionals (classed as those earning less than £5,000 per year from their sport).

Q: I’m British but live abroad, can you cover me?
We only cover persons who have been resident of the United Kingdom, Republic of Ireland, Channel Islands or Isle of Man or at an official BFPO (ie British Armed Forces base) (in which case Country of Residence is substituted for United Kingdom) for at least the last 6 months.

Q: I am a professional sportsperson. Can you cover me?
No, we only insure amateurs or semi-professionals. We define an amateur as someone who earns no more than £4000 per annum from their sport.

Q: What if I need insurance for two or more different sports groups?
Simply take out a policy for the sport in the higher group and you will be covered for all sports in that and lower groups. Check under “sports we cover” for a comprehensive list of all sports and their group.

Q: How is my policy delivered?
All policies will be sent via email and can take up to 5 minutes to arrive in your inbox. Please check your junk mail folder if you appear to have not received it. If requested, we can also send a hard copy of your policy via post for an additional charge.

Q: Is there a charge for using a credit card?
Yes – there is a 2% charge for paying with a credit card. This is what we are charged by the credit card companies.

Q: How can I amend the address or contact details on my policy?
You can change the above details online by logging into your customer area using your member login, or you can call us on the number at the top of the page.

Q: What if I lose my policy?
You can’t as such. Your policy information will always be held in your unique online customer area if you purchased it online. If you lose your paper documents, just email us or call us on the number at the top of the page and we can resend them.

Q: Can you refund me if I change my mind about the policy and want to cancel?
If our cover does not meet your needs, we will refund your premium in full provided that you advise us within 14 days. You will need to provide evidence that you have not used the policy and you cannot have made a claim or be planning to make a claim. The premium will be refunded to the card used to purchase the policy.

Q: Do your policies cover third party liability?
This policy includes 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 activities and motorised sports.

Q: Can I get a discount for group or family bookings?
Yes, we offer a 5% discount for parties of 5 or more and a 10% discount for parties of 10 or more. If you are a family, we also do family rates, which will depend on how many family members there are / their ages etc.

Q: What is a pre-existing medical condition?
A pre-existing medical condition refers to any medical condition which has been previously diagnosed, treated or medicated in any way prior to travel. Even if this condition is currently stable, you must inform us before purchasing insurance by contacting us on the number at the top of the page.

Q: Can I get cover for a pre-existing medical condition on my policy?
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).

Q: Will my medical condition affect the price of the policy?
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.

Q: I already have a policy but have been diagnosed with a new medical condition, what should I do?
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.

Q: Are there exclusions or limitations to my policy?
Yes, there are some exclusions which are detailed in the policy wording. To check the policy exclusions, please have a look at the policy wording booklet relevant to the policy in question.

Q: How do I make a claim?
Making a claim is straightforward with us. Please see our claims page for full details.

Q: I’m abroad, and require medical treatment. What should I do?
At the first opportunity, you (or someone on your behalf) should call our Emergency Assistance no. 01992 444337. 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.

Q: I’m planning to do a sport / activity that I can’t see listed on the website. Can you cover it?
Call or email us details, and we’d be happy to look into it. We already cover over 400 sports, and the list is constantly growing.

Q:What is the maximum age limit with this policy?
The Sports Accident policy will cover anyone up to the age of 74 at the time of purchase. An applicant aged 75 or over cannot be covered.

Q:I’m British but live abroad, can you cover me?
We only cover persons who have been resident of the United Kingdom, Republic of Ireland, Channel Islands or Isle of Man or at an official BFPO (ie British Armed Forces base) (in which case Country of Residence is substituted for United Kingdom) for at least the last 6 months.

Q:I’m moving out of the UK/Ireland, will my policy still be valid?
Yes, your policy remains valid until it’s natural expiry date. However, you will not be able to purchase another policy once you are no longer a UK/Irish resident.

Q: Do you insure professionals?

No, we can only insure amateurs and semi-professionals (classed as those earning less than £5,000 per year from their sport).

Q: Can I pay in instalments?
Yes – the premium (the total price of the policy) can be split over 3 payments over the first three months. There is a £5 fee for this which is added on to the first payment.

Q: Is there a charge for using a credit card?
Yes – there is a 2% charge for paying with a credit card. This is what we are charged by the credit card companies.

Q: I am a professional sportsperson, can you cover me?
No, we only insure amateurs or semi-professionals. We define an amateur as someone who earns no more than £4,000 per annum from their sport.

Q:Can I top up my cover?
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.

Q:I currently take home £400 a week. Would the policy pay me that amount as loss of earnings?
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.

Q:Can I take out cover for 6 months?
No, the policy is an annual policy but it is also available for one specific day or several consecutive days. If you reuiqre more than about 7 days cover, it would be more cost effective to take out the annual policy.

Q:Am I covered abroad?
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.

Q:Is the cover transferable in the case of unexpected weather conditions?
Yes, we allow two postponements, provided that we have written confirmation of cancellation from the activity centre where you planned to undertake the activity.

Q:Can I claim for loss of earnings immediately?
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.

Q:I’m self employed and my pay varies from week to week. How would you calculate my loss of earnings?
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.

Q:How quickly is a claim handled?
A lot will depend upon how quickly you send in your claim form including all the requested paperwork including wage slips, or proof of earnings for previous months.

Q: What if I need insurance for two or more different sports groups?
Simply take out a policy for the sport in the higher group and you will be covered for all sports in that and lower groups. Check under “sports we cover” for a comprehensive list of all sports and their group.

Q: How is my policy delivered?
All policies will be sent via email and can take up to 5 minutes to arrive in your inbox. Please check your junk mail folder if you appear to have not received it. If requested, we can also send a hard copy of your policy via post for an additional charge.

Q: How can I amend the address or contact details on my policy?
You can change the above details online by logging into your customer area using your member login, or you can call us on the number at the top of the page.

Q: What if I lose my policy?
You can’t as such. Your policy information will always be held in your unique online customer area if you purchased it online. If you lose your paper documents, just email us or call us on the number at the top of the page and we can resend them.

Q: Can you refund me if I change my mind about the policy and want to cancel?
If our cover does not meet your needs, we will refund your premium in full provided that you advise us within 14 days as long as the start date of the policy is in the future. You will need to provide evidence that you have not used the policy and you cannot have made a claim or be planning to make a claim. The premium will be refunded to the card used to purchase the policy.

Q: Do your policies cover third party liability?
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 activities and motorised sports.

Q: Can I get a discount for group bookings?
Yes, we offer a 5% discount for parties of 5 or more and a 10% discount for parties of 10 or more.

Q: What is a pre-existing medical condition?
A pre-existing medical condition refers to any medical condition which has been previously diagnosed, treated or medicated in any way prior to travel. Even if this condition is currently stable, you must inform us before purchasing insurance by contacting us on the number at the top of the page.

Q: Can I get cover for a pre-existing medical condition on my policy?
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).

Q: Will my medical condition affect the price of the policy?
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.

Q: I already have a policy but have been diagnosed with a new medical condition, what should I do?
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.

Q: Are there exclusions or limitations to my policy?
Yes, there are some exclusions which are detailed in the policy wording. To check the policy exclusions, please have a look at the policy wording booklet relevant to the policy in question.

Q: How do I make a claim?
Making a claim is straightforward with us. Please see our claims page for details.

Q: I’m planning to do a sport / activity that I can’t see listed on the website. Can you cover it?
Call or email us details, and we’d be happy to look into it. We already cover over 400 sports, and the list is constantly growing.

Q: We are a professional team. Can you cover us?
No, we only insure amateurs or semi-professionals. We define an amateur as someone who earns no more than £4000 per annum from their sport.

Q: Will this policy cover us for playing abroad as a team?
Yes and no! All the benefits listed for this policy still apply if one of your team gets injured abroad whilst playing for your team. However, this policy does not include any cover for Medical Expenses abroad or Repatriation, so you should ensure that you have a separate policy that covers that. See our Sports Travel policy for a quote for either individuals or groups.

Q: Do you insure professionals players?

No, we can only insure amateur and semi-professional players (classed as those earning less than £5,000 per year from their sport).

Q: Who will be covered under the policy?
After you have selected the sport that you will be doing, all the members of that team, plus extra members / substitutes in the squad will be covered. So, for example for an 11-a-side football team, you would have cover for a total squad size of 26.

Q: We only have 25 players and they play on either our A or B team. Can we just take out one policy to cover the total squad?
No – if you have 2 teams, you would need to take out 2 policies. A record should be kept of who is playing for which team on which day / match which you would be asked to produce in the event of a claim.

Q: Some of our players would like a higher level of loss of earnings cover. Can we add this on under the policy?
No – the benefits are fixed, and are the same for all members of the team / squad. However, individuals can take out their own Sports Accident policy, and cover themselves for higher levels of loss of earnings for example.

Q: If one of our team gets injured and can’t work, how much will he /she be able to claim?
This will depend upon the level of cover that you have taken out, as we offer varying levels of loss of earnings / temporary total disablement benefit. You would need to check your documents to see this. The policy has a 2 week deferment period, so you will not be able to claim anything for the first 2 weeks off work, and you will never be able to claim for more than 75% of your normal take home pay.

Q: How is my policy delivered?
All policies will be sent via email and can take up to 5 minutes to arrive in your inbox. Please check your junk mail folder if you appear to have not received it. If requested, we can also send a hard copy of your policy via post for an additional charge.

Q: How can I amend the address or contact details on the policy?
You can change the above details online by logging into your customer area using your member login, or you can call us on the number at the top of the page.

Q: What if we lose our policy?
You can’t as such. Your policy information will always be held in your unique online customer area if you purchased it online. If you lose your paper documents, just email us or call us on the number at the top of the page and we can resend them.

Q: Can you refund us if we change our mind about the policy and want to cancel?
If our cover does not meet your needs, we will refund your premium in full provided that you advise us within 14 days, and the cover start date is in the future. You will need to provide evidence that you have not used the policy and you cannot have made a claim or be planning to make a claim. The premium will be refunded to the card used to purchase the policy.

Q: Do your policies cover third party liability?
Yes, this policy types include third party liability cover, also known as personal liability. However, you may find that some sports have restrictions / exclusions for Personal liability. This policy will not cover you or your team for Public Liability.

Q: Can we get a discount for group bookings?
Yes, we offer a 5% discount for 5 or more team policies and a 10% discount for 10 or more, taken out at the same time.

Q: Does this policy include cover for any of our players with pre-existing medical conditions or who have had an injury in the last two years?
No it doesn’t. A player who has had an injury in the last 2 years would be covered for injuries incurred as a result of a accident whilst playing for your team. However, if the injury related to an old injury incurred in the last 2 years, he would not be eligible to claim for that. Eg, if he tore his left ACL ligament 18 months ago, and did the same thing again, he could not claim for that.

Q: Are there exclusions or limitations to my policy?
Yes, there are some exclusions which are detailed in the policy wording. To check the policy exclusions, please have a look at the policy wording booklet relevant to the policy in question.

Q: How do we make a claim?
Making a claim is straightforward with us. Please see our claims page for details.

Q: Will the football (soccer) policy you offer cover us for training as well as tournaments?
Yes. There is no restriction with most of our sports with regards to taking part in competitions or organised matches. Unless we specifically list it as excluding competition or non-competitive then you would be covered for competitions.