Does Travel Insurance Cover for Water Sporting Activities?

There are varying degrees of travel insurance. All companies offer different types of cover, and premiums can vary, so it is well worth shopping around the market before committing to an insurance policy. The usual method of obtaining travel insurance, is to opt for a standard policy, and then add on an extra insurance premium to ensure that you are covered for sporting activities and such like.

What is included in a standard policy?

If you opt to take out say an Aviva single trip travel insurance policy, you would expect to benefit from the following:

•   Up to £5,000 insurance cover for abandonment cover and cancellation charges.
•   Up to £50,000 for personal accident insurance cover.
•   Aviva can provide you with single trip travel insurance cover which lasts from 2 days to 120 days.
•   Couples, families, individuals and groups of up to around 9 people can be insured on Aviva’s single trip travel insurance policy.
•   Assistance from Aviva travel for up to 24 hours a day.
•   Plus you can choose from one of their optional covers, which covers for stuff such as scuba diving, winter sporting activities and golfing equipment.

All of the above is subject to terms and conditions, which can be found on Aviva’s website.

So what is covered sports wise by your travel insurance?

Usually sporting activities such as:

•   Beach games
•   Banana Boat Rides
•   Jet Skiing
•   Jet boating

The above are all subject to terms and conditions which are available on your travel insurers website. It is worth noting that not all water sporting activities are covered by a standard policy, so you may need to take out additional cover. Ask your travel insurer about their extra premiums which can be added on to your insurance policy. Explain to the sales advisor the type of activity which you are doing, and they will advise the best policy to suit you and your needs.

Before travelling away on holiday, always make sure that you have adequate insurance cover in place. Check out www.insurance64.co.uk for more information on travel insurance and related products.