It’s easy to think that your travel insurance will cover all aspects of a holiday or trip away, but that is not always the case. While you may have a cancellation policy or are protected for everyday mishaps, it is unlikely you will be covered for riding a motorcycle or participating in extreme sports such as paragliding.
This isn’t to say that you can’t get cover for such events, you’ll just need to ensure you know exactly what is and isn’t included as part of your policy.
It’s worth remembering that it may cost thousands of pounds in medical bills and repatriation costs if you are injured overseas when lacking sufficient travel insurance cover. You’ll also be liable for any damaged equipment or the costs of cutting short your holiday.
Covers vary by insurer, and just because an activity is covered on one policy, it does not necessarily mean it is also included elsewhere.
Many policies will explicitly state the levels of cover, while some activities may be covered with caveats – such as needing to have suitable safety equipment.
It’s therefore vital that you check your policy documents carefully and check with your insurer if there is anything you need clarification on.
For researching the best travel insurance cover and prices, try our online comparison tool to obtain quotes from our trusted providers. With many additional cover options such as winter sports and travel disruption, you are more likely to find a travel insurance policy that suits your needs.
Date Created: 03/10/2018