This type of insurance is intended for the individual or non-professional sports team, who regularly travel to distant locations in order to enjoy their sports activities.
Activity Top Up
The most common Travel Insurance policies specifically exclude damage or injury to the insured person, whilst undertaking a sports activity during their trip. It is therefore essential to make sure that illness or injury and therefore, a tailor made policy has been created with such people in mind.
The policy is in addition to the existing Travel Insurance and enables the insured person to participate in hazardous or competitive sport activities such as paragliding, mountaineering and even skydiving.
Such a policy would include cover for Medical Expenses, Personal Liability and even Emergency Repatriation should such costs being incurred whilst taking part in both hazardous and non-hazardous sports.
Sports Personal Accident Insurance
Again, this type of insurance is aimed at the individual who is a frequent participant in both competitive and possibly hazardous sports.
Whilst single day cover can be available, this is normally an annual policy which offers a full 365 day, 24-hour Sports Accident Cover.
It includes but not necessarily limited to Medical Treatment, Physiotherapy, Personal Accident Benefits, as well as, if required, Loss of Earnings, Repatriation Costs and Rehabilitation cover.
Sports Team Insurance
This type of insurance has been specifically designed to cover any individuals from within a squad who will make up a team. The policy specifically excludes non-professionals whilst they are both playing or practising their sport and includes travelling to and from the event.
The team would select the level of cover it requires and this may include Medical and Physiotherapy cover, Personal Accident Benefits, Rehabilitation Cover, as well as potential Loss of Earnings for any team member who may suffer an injury.
Sports Instructor Insurance
This type of insurance is specifically aimed at the individual who operates as a self-employed Sports Instructor. Normally, this person would not operate at only one location but will travel to several in order to carry out their profession.
The main benefits of this form of insurance is that it is intended to provide Professional Indemnity cover to the individual Sports Instructor in the event of damage or injury occurring to a third party where that has resulted from an action taken by the Sports Instructor.
This can be extended to include damage or injury to a Third Party as a direct result of Negligent or Wrongful Advice Or Tuition given by the Sports Instructor.