Award-Winning, Flexible
SURFING INSURANCE
- Surf Travel Insurance
- Surfing Equipment cover available
- One of the UK's leading surf travel insurance providers


Our Surfing Insurance policy options
Put simply, we offer three different policy options…
1. Surf Travel Insurance
Our Sports Travel Insurance will cover you whilst surfing abroad for leisure or competition, and includes cover for medical and repatriation costs, trip cancellation and curtailment, plus more.
2. Surf Travel Insurance Bolt-On
If you have an existing travel insurance policy in place with another provider such as your bank but it does not include cover for surfing, we can provide a bolt-on style of protection for your trip.
3. Sports Accident Insurance
Our Sports Accident Insurance is designed to protect you whilst surfing in the UK, whether that be for leisure or competition. The policy provides a range of benefits including personal liability and income protection.
Making claims clearer
AVERAGE PAY OUT
£703
FOR EACH TRAVEL INSURANCE CLAIM**
OF OUR POLICY HOLDERS
2.05%
NEEDED TO MAKE A CLAIM**
OUR AVERAGE CLAIMS RATING
4.9/5
ACCORDING TO OUR FEEFO SCORE***
Get an instant quote for Surfing Insurance online
Join thousands of surfers and sports enthusiasts who choose us every year
Or Call us on 01494 484800
Why choose us for Surfing Insurance
30 Years Experience
We have been providing tailored Sports Insurance policies for over 30 years, and today protect more than 57,000 customers a year.
Professional Claims Handling
We work with leading claims handlers to make sure our customers experience a prompt and professional service when making a claim.
Underwritten by Experts
We’re pleased to offer tailored Surfing Insurance from AXA XL, a leading provider of insurance in the sports and leisure industry.
UK Based Customer Service Team
Our highly experienced Sales team are available to help support you with any questions that you might have.
5-Star Customer Service Rating
Thousands of happy customers have awarded us a 5-star customer service score on the independent feedback platform, Feefo.
500+ Sports Covered
Being a specialist in Sports Insurance, we provide cover for over 500 different sports & activities, far more than other providers.
What is Surfing Insurance?
Whether you are going on a surfing holiday abroad or staying in the UK, our specialist Surfing Insurance can protect you whilst taking part in the activity.
If you are heading overseas surfing, our Sports Travel Insurance policy will safeguard you against medical expenses and personal liability, as well as covering you baggage, cancellation, and travel delay.
For those surfing around the British Isles, our Sports Accident Insurance policy may suit you better, with benefits such as personal accident, personal liability cover and income protection.
Get a quote and buy your policy before you head out on the water!

What’s covered with our Surfing Insurance
Our surfing insurance is designed to protect you from the moment you plan your trip to the second you hit the water. Whether you’re just starting out or chasing big waves, we offer a variety of cover to keep your surfing holiday stress-free.
Our policy helps protect you from the financial hit of medical expenses and lost earnings due to these kinds of injuries. No matter which plan you choose—Bronze, Silver, or Gold—you’ll be backed by £10,000,000 in Emergency Medical Expenses & Repatriation coverage, with a £90 excess. So, you can focus on catching waves without worrying about the unexpected.
Discover the full extent of our cover
Or Call us on 01494 484800
Why you need insurance for
surfing holidays
Surfing comes with its own set of risks. That’s why our policies are tailored to cover a wide range of surfing-related injuries. Whether it’s lacerations from sharp coral or surfboard fins, head injuries like concussions, or common sprains and fractures, we’ve got you covered.
We also take care of shoulder injuries, ear issues like surfer’s ear, and even eye injuries caused by surfboard tips or high-pressure water.
How is your surfing equipment covered?
Your surf gear is as important to us as it is to you. That’s why we offer solid coverage for your equipment, no matter the plan. This includes your surfboards, wetsuits, fins, and accessories—even your surf cameras!
Beyond just your surf gear, we also cover your baggage and personal belongings. Plus for any travel delays, our silver and gold plans offer delayed baggage cover so you’re not stuck without your essentials if your gear goes missing for a bit.
Whether you own or rent your equipment, your kit is protected during transit to your surfing destination and for any accidental damage or theft. That way, your gear stays safe from start to finish.
Frequently Asked Questions
Standard travel insurance policies do not always cover adventure sports. Our Surf Travel Insurance is specifically designed to cover over 500 high risk activities including surfing, bungee jumping, skateboarding and many more.
Our Surf Travel Insurance policy provides up to £5,600 worth of equipment cover. This add-on not only protects your own equipment, but also any equipment you hire during your trip. It also covers your surfing equipment in transit to and from your destination.
We believe everyone should have a chance to enjoy surfing, regardless of any pre-existing medical conditions. During the quote process, you’ll have the opportunity to disclose any conditions you might have, and we’ll assess how they could impact your surfing activities.
The premium is not affected by any medical conditions that are declared, but our underwriters will apply a term which can consist of agreeing cover on a certain basis, increasing the excess or an exclusion may be applied.
No matter what, our £10,000,000 Emergency Medical Expenses & Repatriation coverage applies to all plans, even for surfers with pre-existing conditions. So, you can paddle out knowing that you have solid medical protection if anything happens.
Just make sure to consult with your doctor before surfing, especially if you have a pre-existing condition. And remember, not disclosing a condition could invalidate your policy. If you have any questions, our customer service team is always ready to help.
You can purchase our Surfing Insurance online up until 74 years old. Above this age, you would need to call us on 01494 484800 and we will be able to refer your quote to our underwriters. Please note, our quotes are based on your age at the start date of cover.
Yes, we offer worldwide coverage. Whether you’re island-hopping in Indonesia, touring the Australian coast, or catching waves in California, you’re covered. Always check the travel advice for your destinations and ensure you have the necessary visas and permits.
Yes – we cover a range of water sports in addition to surfing. This typically includes activities like bodyboarding, windsurfing, and paddleboarding. However, some high-risk water sports may require additional coverage. Check your policy documents or contact us for a full list of covered activities.
Yes, at SportsCover Direct, we cover both recreational and competitive surfing. If you’re participating in a surfing competition or taking lessons, you’re covered. We even provide coverage for activity and race entry fees, with limits varying by plan level.
If you require emergency medical attention, seek help immediately and then contact our 24/7 emergency assistance line as soon as possible. For non-emergency situations, it’s best to contact us before seeking treatment. Keep all receipts and medical reports as you’ll need these when making a claim.
We recommend purchasing your insurance as soon as you book your trip. This ensures you’re covered for cancellations and allows you to benefit from our policies’ cancellation coverage right away.
Yes, in many cases you can extend your policy if you decide to stay longer. Contact our customer service team before your policy expires, and we’ll do our best to accommodate your extended trip.
While we offer comprehensive coverage, there are some exclusions. These typically include injuries sustained while under the influence of alcohol or drugs, deliberate exposure to unnecessary danger, or surfing against local authority advice. Always read your policy documents carefully and surf responsibly.
* 10% online discount applies to our Sports Travel Insurance and Activity TopUp policies only.
** Data relates to Sports Travel Insurance claims from Jan 2023 to Dec 2023 inclusive.
*** Feefo rating relates to Sports Travel Insurance claims review score from Jan 2023 to Dec 2023 inclusive.
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