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FAQ’s

Insurance can be confusing so we’ve put together some frequently asked questions to help our customers find the right insurance cover for them. Select a category below and find an answer to your query. If you cannot find an answer to your query below please ring us on 01494 484800 and one of our advisors will be more than happy to help.

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SPORTS TRAVEL INSURANCE FAQS

The following questions and answers are specific to sports travel insurance.

 

 

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.

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.

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.

How do I make a claim?

Making a claim is straightforward with us. Please see our claims page for details.

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.

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.

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.

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.

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.

Can you insure my child to go kitesurfing?

Yes, we offer children’s cover for all of our listed sports for children up to the age of 16 years at inception of the insurance, or up to 18 years if still dependent, or up to 23 years if dependent and in full time education. You should always ensure that children are adequately supervised, or under instruction when participating in a sport.

Do you cover paramotoring?

Yes, but third party liability is excluded. There is no liability for damage done by motorised units. For tandem aerial activities. Personal liability claims made against the pilot by/on behalf of the passenger (third party) are excluded.

What is bouldering?

It is a form of rock climbing performed without the use of ropes or harnesses. Unlike free solo climbing, bouldering never usually takes the climber above 20ft. Artificial climbing walls allow boulderers to train indoors in areas without natural boulders but it can also be practiced at the base of larger rock faces or public architecture. It is important to remember the possibility of trips, falls and injuries due to repetitive strain whilst climbing. As a result adequate insurance is recommended.

Will my marathon running insurance policy cover me for duathlons and triathlons too?

Unless you want to participate in a duathlon that is over Olympic distance (60km), for which you would need to upgrade your policy, your marathon running policy will cover you for the majority of duathlon or triathlon events.

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

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

You will need to take out mountain biking – downhill or any competition.

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.

What is Via Ferrata?

Via Ferrata is considered a distinct step up from ordinary mountain walking but allows the relatively inexperienced a means of accessing difficult peaks and dramatic positions normally preserved for serious mountaineers. It is a mountain route equipped with fixed cables, stemples (iron rungs), ladders and bridges. The routes are graded according to their difficulty and are designed so that people can climb without using their own ropes. We strongly recommend taking out suitable insurance prior to engaging in the sport and offer a comprehensive policy.

I have a cycle touring (not competition) insurance policy with you and need to upgrade it so I can compete but I see you do not have a cycle touring policy for competitions. What should I do?

For competition and events, please refer to our road cycling policy in our sports groups which includes cover for any competing you may wish to do.

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.

What is multi-pitch climbing?

Multi-pitch climbing is the ascent of climbing routes with one or more stops at a belay station. The section of climbing between stops at the belay stations is called a pitch. The leader ascends the pitch, placing protective gear as they go, stopping to anchor themself to the next belay station. This allows the second climber to then ascend to the belay station while collecting the protective / climbing equipment. A new leader might then be chosen to ascend first to the next pitch.

What is trad climbing?

Abbreviated from ‘traditional climbing’, trad climbing is a style of rock climbing whereby a climber, or climbers, put into place all the safety gear required to protect against falls, and removes it when a pitch is complete. It is distinguished from sport climbing in which all protection and anchor points are not installed prior to the climb.

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).

I am going on a leisurely trekking holiday for a week. Which sport should I choose?

If you select trekking, walking or hiking, this will insure you for any of these sports that you may do up to a maximum altitude of 2,500m. You will be covered for a simple walk or scrambles along recognised trekking routes. This means that you will not be covered for any walking or ascents above 2,500m or walking involving ropes, crampons or ice axes. You would need to select our ‘Trekking up to 7000m’ if you plane to go above 2500m.

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.

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.

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.

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 with your details and we would be happy to have a look into it for you. As we already cover over 500 sports, we might just be able to add another one.

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).

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.

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.

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..

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.

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.

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.

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.

Will the football (soccer) policy you offer cover me for training as well as tournaments?

Yes. We place no restriction on most of our sports with regards to taking part in competitions or organised matches. This is unless we specifically list it as excluding competition or non-competitive then you would be insured for competitions.

What is the maximum age limit with this policy?

Our policies will cover anyone up to the age of 74 at the time of purchase. An applicant aged 75 or over cannot be covered.

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.

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

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 your details, and we’d be happy to look at whether we can cover the sport which you are participating in. We already insure over 500 sports, so the list is constantly growing.

Do you cover mountain rescue?

Yes, the costs for mountain rescue will be covered under the Search and Rescue benefits section detailed in the benefits table of the relevant policy. Helicopter rescue is included up to the benefit level selected for Search and Rescue, assuming that is deemed to be necessary at the time of the accident / incident, and subject to restrictions such as access / altitude / availability of a helicopter in remote areas. These factors are outside our control.

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

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.

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.

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.

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.

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 the age of 12 should always travel with an adult insured under the policy, or with a responsible adult. If travelling without an adult named on the policy, cover would need to be upgraded to the equivalent adult rate, and the appropriate additional premium would need to be paid. Children aged 12 and over can travel independently, but would need to pay / upgrade to the equivalent adult rate. A child can be included under the policy at the appropriate child rate up to the age of 23 as long as they are in full time education at time of purchase. A child under the age of 23 who is not still in full time education can be covered under the policy, but would need to pay the appropriate adult rate. Please call or email us to get a quote.

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 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.

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.

The travel agent / airline / tour operator that I booked with has gone into administration?

You will need to let us know via email or phone. We will pay you up to the sum amount shown in your policy wording/schedule for insolvency of the airline prior to your departure or after your departure. If curtailment of the holiday is unavoidable we will cover the cost of return flights to the UK to a similar standard to that originally booked, providing it’s within the benefit limits covered under your chosen level of cover.

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).

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).

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

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 90 day trip limit has been exceeded. You cannot extend cover after this. Please note our office hours are Monday-Friday, 9am-5.30pm.

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.

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.

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 23 yrs if dependent and in full time education. Otherwise anyone over 16 yrs is charged the standard adult premium.

How do you define a partner?

A partner is considered to be the spouse/common law partner/girlfriend/boyfriend of the insured person.

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.

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.

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 you 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 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.

SPORTS ACCIDENT INSURANCE FAQS

The following questions and answers are specific to sports accident insurance.

 

 

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.

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.

How do I make a claim?

Making a claim is straightforward with us. Please see our claims page for details.

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.

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.

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.

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.

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.

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.

What is bouldering?

It is a form of rock climbing performed without the use of ropes or harnesses. Unlike free solo climbing, bouldering never usually takes the climber above 20ft. Artificial climbing walls allow boulderers to train indoors in areas without natural boulders but it can also be practiced at the base of larger rock faces or public architecture. It is important to remember the possibility of trips, falls and injuries due to repetitive strain whilst climbing. As a result adequate insurance is recommended.

Will my marathon running insurance policy cover me for duathlons and triathlons too?

Unless you want to participate in a duathlon that is over Olympic distance (60km), for which you would need to upgrade your policy, your marathon running policy will cover you for the majority of duathlon or triathlon events.

Do you cover paramotoring?

Yes, but third party liability is excluded. There is no liability for damage done by motorised units. For tandem aerial activities. Personal liability claims made against the pilot by/on behalf of the passenger (third party) are excluded.

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

You will need to take out mountain biking – downhill or any competition.

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.

I have a cycle touring (not competition) insurance policy with you and need to upgrade it so I can compete but I see you do not have a cycle touring policy for competitions. What should I do?

For competition and events, please refer to our road cycling policy in our sports groups which includes cover for any competing you may wish to do.

What is multi-pitch climbing?

Multi-pitch climbing is the ascent of climbing routes with one or more stops at a belay station. The section of climbing between stops at the belay stations is called a pitch. The leader ascends the pitch, placing protective gear as they go, stopping to anchor themself to the next belay station. This allows the second climber to then ascend to the belay station while collecting the protective / climbing equipment. A new leader might then be chosen to ascend first to the next pitch.

What is trad climbing?

Abbreviated from ‘traditional climbing’, trad climbing is a style of rock climbing whereby a climber, or climbers, put into place all the safety gear required to protect against falls, and removes it when a pitch is complete. It is distinguished from sport climbing in which all protection and anchor points are not installed prior to the climb.

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 with your details and we would be happy to have a look into it for you. As we already cover over 500 sports, we might just be able to add another one.

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.

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.

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).

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.

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.

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.

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.

Will the football (soccer) policy you offer cover me for training as well as tournaments?

Yes. We place no restriction on most of our sports with regards to taking part in competitions or organised matches. This is unless we specifically list it as excluding competition or non-competitive then you would be insured for competitions.

I have bought your horse-riding non-competitive policy but would like to enter one competition. Will I be covered?

Yes you would be covered, as non-competitive and competitive horse-riding are both in the same sports group

What is Tough Guy?

Tough Guy claims to be the world’s most demanding one-day survival ordeal but do not let that put you off! It has now evolved into cult status and attracts more and more competitors each year. It is open to individuals and teams and you will never be alone as thousands compete side by side. The event takes place at the end of January and is staged over a course of about 12km featuring 25 obstacles. You will need to be fit in both body and spirit and it is not without risk which is why SportsCover Direct have developed a unique Tough Guy Insurance product.

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.

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.

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.

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.

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.

I want to take out gym work insurance but I also power-lift. Can you cover me?

Yes, we also offer cover specifically for power-lifting. As it is in a higher group, you will need to select the sport of power-lifting and then you will automatically be covered for any gym work you choose to do as well.

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.

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.

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.

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.

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.

What is the maximum age limit with this policy?

Our policies will cover anyone up to the age of 74 at the time of purchase. An applicant aged 75 or over cannot be covered.

ACTIVITY TOPUP INSURANCE FAQS

The following questions and answers are specific to activity topup insurance.

 

 

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.

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.

How do I make a claim?

Making a claim is straightforward with us. Please see our claims page for details.

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.

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.

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.

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.

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.

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.

What is bouldering?

It is a form of rock climbing performed without the use of ropes or harnesses. Unlike free solo climbing, bouldering never usually takes the climber above 20ft. Artificial climbing walls allow boulderers to train indoors in areas without natural boulders but it can also be practiced at the base of larger rock faces or public architecture. It is important to remember the possibility of trips, falls and injuries due to repetitive strain whilst climbing. As a result adequate insurance is recommended.

Will my marathon running insurance policy cover me for duathlons and triathlons too?

Unless you want to participate in a duathlon that is over Olympic distance (60km), for which you would need to upgrade your policy, your marathon running policy will cover you for the majority of duathlon or triathlon events.

Can you insure my child to go kitesurfing?

Yes, we offer children’s cover for all of our listed sports for children up to the age of 16 years at inception of the insurance, or up to 18 years if still dependent, or up to 23 years if dependent and in full time education. You should always ensure that children are adequately supervised, or under instruction when participating in a sport.

Do you cover paramotoring?

Yes, but third party liability is excluded. There is no liability for damage done by motorised units. For tandem aerial activities. Personal liability claims made against the pilot by/on behalf of the passenger (third party) are excluded.

What is Via Ferrata?

Via Ferrata is considered a distinct step up from ordinary mountain walking but allows the relatively inexperienced a means of accessing difficult peaks and dramatic positions normally preserved for serious mountaineers. It is a mountain route equipped with fixed cables, stemples (iron rungs), ladders and bridges. The routes are graded according to their difficulty and are designed so that people can climb without using their own ropes. We strongly recommend taking out suitable insurance prior to engaging in the sport and offer a comprehensive policy.

I have a cycle touring (not competition) insurance policy with you and need to upgrade it so I can compete but I see you do not have a cycle touring policy for competitions. What should I do?

For competition and events, please refer to our road cycling policy in our sports groups which includes cover for any competing you may wish to do.

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

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

You will need to take out mountain biking – downhill or any competition.

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.

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.

What is multi-pitch climbing?

Multi-pitch climbing is the ascent of climbing routes with one or more stops at a belay station. The section of climbing between stops at the belay stations is called a pitch. The leader ascends the pitch, placing protective gear as they go, stopping to anchor themself to the next belay station. This allows the second climber to then ascend to the belay station while collecting the protective / climbing equipment. A new leader might then be chosen to ascend first to the next pitch.

What is trad climbing?

Abbreviated from ‘traditional climbing’, trad climbing is a style of rock climbing whereby a climber, or climbers, put into place all the safety gear required to protect against falls, and removes it when a pitch is complete. It is distinguished from sport climbing in which all protection and anchor points are not installed prior to the climb.

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).

I am going on a leisurely trekking holiday for a week. Which sport should I choose?

If you select trekking, walking or hiking, this will insure you for any of these sports that you may do up to a maximum altitude of 2,500m. You will be covered for a simple walk or scrambles along recognised trekking routes. This means that you will not be covered for any walking or ascents above 2,500m or walking involving ropes, crampons or ice axes. You would need to select our ‘Trekking up to 7000m’ if you plane to go above 2500m.

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.

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.

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 with your details and we would be happy to have a look into it for you. As we already cover over 500 sports, we might just be able to add another one.

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.

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.

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.

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..

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).

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.

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.

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.

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.

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.

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.

CHILDREN’S SPORTS ACCIDENT INSURANCE FAQS

The following questions and answers are specific to children’s sports accident insurance.

 

 

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.

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.

How do I make a claim?

Making a claim is straightforward with us. Please see our claims page for details.

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.

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.

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.

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.

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.

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.

Can you insure my child to go kitesurfing?

Yes, we offer children’s cover for all of our listed sports for children up to the age of 16 years at inception of the insurance, or up to 18 years if still dependent, or up to 23 years if dependent and in full time education. You should always ensure that children are adequately supervised, or under instruction when participating in a sport.

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 with your details and we would be happy to have a look into it for you. As we already cover over 500 sports, we might just be able to add another one.

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.

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.

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).

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.

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.

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.

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.

Will the football (soccer) policy you offer cover me for training as well as tournaments?

Yes. We place no restriction on most of our sports with regards to taking part in competitions or organised matches. This is unless we specifically list it as excluding competition or non-competitive then you would be insured for competitions.

I have bought your horse-riding non-competitive policy but would like to enter one competition. Will I be covered?

Yes you would be covered, as non-competitive and competitive horse-riding are both in the same sports group

What is Tough Guy?

Tough Guy claims to be the world’s most demanding one-day survival ordeal but do not let that put you off! It has now evolved into cult status and attracts more and more competitors each year. It is open to individuals and teams and you will never be alone as thousands compete side by side. The event takes place at the end of January and is staged over a course of about 12km featuring 25 obstacles. You will need to be fit in both body and spirit and it is not without risk which is why SportsCover Direct have developed a unique Tough Guy Insurance product.

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.

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.

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.

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.

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.

What is the maximum age limit on a children's sport accident insurance policy?

The Children’s Sports Accident policy will cover anyone under the age of 19 at time of purchase.

My child is 18, but is no longer in education? Can he take out this policy?

Yes he can, but we suggest that you look at the Sports Accident policy first as that may be more suitable, especially if he is earning money.

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.

TEAM INSURANCE FAQS

The following questions and answers are specific to team insurance.

 

 

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.

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.

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.

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.

How do I make a claim?

Making a claim is straightforward with us. Please see our claims page for details.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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 £5000 per annum from their sport.

BICYCLE INSURANCE FAQS

The following questions and answers are specific to bicycle insurance.

 

 

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