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POLICY INFORMATION
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VentureGuard provides ‘peace of mind’ to those who enjoy active pursuits. At home or abroad, you can have full accident and travel insurance to suit your individual needs - and budget.
CHOICE
Individuals or groups can choose from Single Day insurance for trips of up to 12 months away; or Annual (Multi-Trip) insurance covering any number of trips of up to 90 days each. For Winter sports some restrictions apply to the number of days participation.
ACTIVITY TOPUP
If your existing travel insurance excludes certain Sporting activities we can cover those activities through Bronze VentureGuard, which can be purchased for the period required - which doesn't have to be the whole trip.
VALUE FOR MONEY
Keep your premium to an absolute minimum. Select the sport(s) to be covered; countries to be visited; trip duration; and the level of cover required. Then, as an added benefit, once you have selected a sports group you are automatically covered for every sport in that group plus all of those sports and leisure activities that appear in lesser groups.
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View Information
brochure
schedule wording
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EXTRA BENEFITS WITH ANNUAL COVER
Take out an Annual VentureGuard. Then, as well as being covered for trips and associated sports activities during trips throughout the year, you'll have the added benefit of sports accident cover between trips. This unique feature means that you can enjoy your Venture activities with peace of mind throughout the year and be fully covered when you go on a trip. Should you wish to extend or upgrade your Annual cover for short trips to higher Sports Groups and other other Countries beyond the selected Zone we will be pleased to help.
24 HOUR HELPLINE
If injury or illness should strike during an insured trip, sympathetic and comprehensive emergency help is immediately available from our 24-hour Helpline. The benefits include arranging for emergency repatriation; contacting family or friends; and organising your return if a member of your family or business partner becomes seriously ill, or the trip becomes a catastrophe. We promise to use our best endeavours to settle valid claims within 15 working days of receipt of your completed claim form with all the necessary information.
THE NEXT STEP
It’s easy to take out a Venture policy: just click here to get an instant quote and purchase securely on-line.
These web pages provide a summary of the cover provided by SportsCover Direct. They do not form part of a contract. Read a copy of the full Terms, Conditions and Exclusions click here.
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You can also download our brochure in PDF format.
If you do not have the free Abobe Acrobat Reader click here:
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IMPORTANT FEATURES OF THE POLICY
INSURANCE SCHEDULE
Please read this document carefully as it contains the full details of what is and is not covered and the conditions of the cover. Your Schedule will be issued on receipt of the appropriate premium. Should you wish a specimen copy will be made available prior to purchase. Cover will vary from policy to policy and insurer to insurer
HEALTH
The insurance contains conditions that relate to your health and that of others not necessarily travelling with you but upon whose well being the trip may depend. In particular you must declare pre-existing medical problems and details of all medical Travel claims made in the past 3 years.
CLAIMS
You should contact the Claims Service within five days of any incident which may give rise to a claim to declare it. The Helpline must be contacted if medical costs above £500 are likely to be incurred or if repatriation is required. Claims for property loss, theft or damage must be substantiated with an original sales receipt or valuation from a third party. Loss and theft MUST be notified to the police. Damaged items must be brought back for inspection.
CLAIMS FOR PERSONAL BAGGAGE AND EQUIPMENT
The insurance does not provide cover on a ‘new for old’ basis. This means that claims will be paid on the basis of the value of your property at the time of the loss.
SUMS INSURED AND LIMITS
All sections of the insurance have a limit on the amount the Insurer will pay. Some sections have internal sub-limits such as the amount the Insurer will pay for any one item or the total amount for all valuables (including photographic equipment). You are advised to check these limits if you intend taking expensive items with you.
EXCESSES
Under most sections of the insurance, claims will be subject to an excess. This means that you will be responsible for paying part of the claim. The amount you have to pay is the excess. Where more than one excess applies (ie claims made under multiple sections) we will apply only the highest excess.
EXCESS WAIVER FOR MEDICAL CLAIMS
For Medical Claims that exceed the Monetary Excess we will waive the stated Excess when the E111 or Medicare is used to reduce the cost. Applied on a pro-rata basis for each element of the Medical claim.
REASONABLE CARE
You are required to take all reasonable care to protect yourself and your property and to act at all times as if you are not insured.
RESIDENCY WARRANTY
Each insured person must be a resident of the United Kingdom, from where Journeys start and end or must be a resident at a valid BFPO address.
‘COOLING OFF PERIOD’
In the unlikely event that, on receipt of your Certificate containing the terms and conditions, the insurance is judged to be inappropriate, your premium will be refunded in full provided that you return the Schedule within 14 days of the date of issue, or prior to travel if this is sooner, and no claim is made.
DURATION OF COVER
Cover for Cancellation is valid from the day following the date of issue of your Insurance Schedule or the date of booking the Journey - whichever is the later - until the first day of your trip. Single Day Venture Card benefits are valid for the duration of the Journey provided the cover remains valid. Annual Venture Card benefits are available from the commencement date stated on the Insurance Schedule although certain benefits are only available during a Journey. Cover is extended for up to 30 days if your trip is extended for reasons beyond your control.
JURISDICTION
The insurance will be subject to English Law unless you and the Insurer agree otherwise.
COMPLAINTS
The Insurance Schedule contains a procedure “If you have a problem” which tells you what steps to take should you wish to make a complaint.
EXCLUSIONS AND DEFINITIONS
The following are just some of the Exclusions and Definitions. Full details appear on the Insurance Schedule and Wording which will be issued.
EXCLUSIONS
- Any claim arising directly or indirectly from your failure to seek medical advice on the advisability of undertaking the trip when you have received medical treatment in the 6 months prior to taking out the insurance or where at the time of taking out the insurance you or any person whose condition gives rise to a claim:
i) is expecting to give birth within two months of return from the trip or
ii) is receiving or on a waiting list for in-patient hospital or clinic treatment or
iii) is travelling against the advice of a medical practitioner or for the purpose of obtaining medical treatment abroad or
iv) has received a terminal prognosis.
- Travel in countries or regions in conflict and within which travel is advised against by the British Foreign Office or Embassies.
- Sporting activities for which the appropriate premium has not been paid.
- War risks, suicide, self afflicted illness or injury, mental disorders, anxiety, stress or depression, the use or effects of alcohol or drugs, criminal or illegal acts, HIV (Human Immunodeficiency Virus) and/or AIDS (Acquired Immune Deficiency Syndrome).
- Professional sport, household activities, DIY, sports requiring a licence of proficiency, motorised activities and use of fire-arms. Please refer to Schedule Details for a full list. Rules and regulations of sports concerned must be followed.
- Expeditions and / or Mountaineering activities in Sports Group 3 are not covered in Zones 3 or 4 when over 4000m, in territories not mapped by the nearest local authority or more than 150Km from the nearest habitation unless prior written authorisation has been granted.
- Winter Sports in Sports Group 2 for more than 31 days participation in any Annual schedule, and 21 days for any one trip are not covered.
- Winter Sports in Sports Group 3 for more than 60 days participation are not covered.
- Loss or theft of valuables whilst unattended unless in a locked, secure hotel room, apartment, holiday residence or other locked and secure self-contained accommodation.
- Loss or theft of baggage or sports equipment from an unattended vehicle (but not valuables) unless in a locked enclosed boot or concealed by the parcel shelf in the fixed position in a hatchback or estate vehicle.
- Loss or theft of money whilst unattended unless in a locked safe or safety deposit box.
DEFINITIONS
Journey (Trip) is either (a) an international journey (outside UK) within countries covered or (b) a journey within the U K, booked in advance of travel, involving at least two overnight stays away from the Insured’s residence or (c) a trip within the UK, booked in advance, to attend an organised activity training course involving at least 4 hours tuition per day for which a fee has been paid. The journey may be for legitimate business or leisure. With Annual cover any number of Journeys are permitted up to a maximum of 90 days for each, with special restrictions applying to Winter Sports.
Countries covered are all countries in the Zone for which the appropriate premium has been paid and
those countries in lower numbered Zones.
Accident means a sudden, unexpected, unusual, specific event which occurs at an identifiable time and place, but shall also include exposure resulting from a mishap to a conveyance in which the insured is travelling.
Illness means physical illness which first manifests itself during a Journey.
Activity TopUp means cover whilst participating in Sports Activity only provided the insured has separate Travel Insurance for the whole duration of the Journey.
Assistance is the provision of emergency help, 24 hours a day, available through the multi-lingual helpdesk of an international assistance company. They co-ordinate medical services, provide repatriation and can advance medical fees. Repatriation is not available within 26km of home.
Conditions and Exclusions will apply to individual sections of your schedule, while General Conditions, General Exclusions and Warranties will apply to the whole of your schedule.
