Award-Winning, Flexible
SWIMMING INSURANCE
- Worldwide insurance for swimming
- Cover for Medical Expenses & Repatriation
- A leading sports insurance provider in the UK
Our Swimming Insurance policy options
Put simply, we offer three different policy options…
1. Travel Insurance
Our Sports Travel Insurance will cover you whilst swimming abroad for leisure or competition, and includes cover for medical and repatriation costs, trip cancellation and curtailment, plus more.
2. Travel Insurance Bolt-On
If you already have a travel insurance policy in place with another provider such as your bank but it does not include cover for swimming, we can provide a bolt-on style of protection for your trip.
3. Sports Accident Insurance
If you need liability insurance or personal accident cover, our Sports Accident Insurance is available to take out on a single or multi-day term. All of our policies are underwritten by AXA XL and can be purchased online in minutes.
Our claims record
HIGHEST PAID CLAIM
£174,984.64
FOR AN INSURANCE CLAIM**
AVERAGE PAY OUT
£1,295.07
FOR EACH INSURANCE CLAIM**
OUR AVERAGE CLAIMS RATING
4.9/5
ACCORDING TO OUR FEEFO SCORE***
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Why choose us
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 cover 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 Swimming Insurance?
Our Swimming Insurance is designed to protect you against the financial implications should you get injured or need medical assistance whilst swimming in the UK or abroad.
At SportsCover Direct, we offer Sports Travel Insurance and Sports Accident Insurance to individuals and groups who wish to undertake the activity for leisure or competition.
If you are heading out to swim abroad, our Sports Travel Insurance policy will provide cover should you become ill or have an accident, lose your luggage, suffer delays, and more.
For those swimming in the UK, our Sports Accident Insurance policy can cover you with income protection, personal accident, and personal liability insurance.
What does swimming travel insurance cover?
- Emergency Medical Expenses & Repatriation – up to £10 million
- Cancellation & Curtailment – up to £5000
- Personal Accident cover – up to £25,000
- Personal Liability- up to £2 million
- Baggage & personal effects – up to £2500
- Sports Equipment – up to £5,600 (additional premium).
- Search & Rescue – up to £50,000
- Activity & Race Entry Fees – up to £500
- Travel Delay, Abandonment and Missed Departure – up to £5000
Our policy provides bronze, silver and gold cover levels, which correspond to the value of your benefits such as sports equipment, cancellation and baggage. Request a quote to find out more details about the different levels available.
How much does swimming insurance cost?
Our swimming travel insurance varies depending on length of trip, if you opt for single or an annual policy, plus the level of cover you select, either bronze, silver or gold.
These are example quotes to highlight a single 8-day trip to Europe, selecting swimming as an activity.
Example quote: 8 Day single trip to Europe – Swimming
- from £20.02 (bronze)*
- from £22.79 (silver)*
- from £27.43 (gold)*
*Prices based on a quote made 07/04/25. Excess may apply.
What does swimming insurance in the UK cover?
If you are swimming in the UK and require insurance, our sports accident policy can give you the vital protection you need, here’s a list of this swimming policy:
- Personal Liability – up to £2,000,000
- Permanent Disablement – up to £30,000
- Accidental Death – up to £9,000
- Income Protection per week
- Legal Expenses – up to £4,500
- Broken Bones – up to £350
- Physiotherapy Fees – up to £350
- Dental Fees – up to £350
For more information on this policy, please request a quote.
Discover the full extent of our cover
Or Call us on 01494 484800
What types of swimming activities do you cover?
We specialise in sports insurance, and we cover swimming among the 500 disciplines we insure. Here are just some of the many swimming activities that we can cover:
- Traditional swimming
- Fin swimming
- Open water swimming
- Swimming with dolphins
- Ice swimming
- Cross Channel swimming
Frequently Asked Questions
Yes, unless otherwise stated during the online quote process.
Yes, our Swimming Travel Insurance can generally be taken out even if you have a medical condition. We can almost always offer cover at no extra cost, but occasionally our underwriters may apply special terms if you subsequently needed to make a claim relating to your condition.
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.
- Our policy can cover:
- Indoor/outdoor pool swimming activities
- Open water swimming with support boat (above 5˚C)
- Cross channel swimming with support boat
- Fin swimming
- Ice swimming-water temp 5˚C or below. (Must have support boat or lifeguard, & be certified medically fit)
- Swimming with dolphins, Swimming with Dolphins in a pool
- Swimming with Dolphins in the sea
Yes, it can be – you need to select all the activities you need included in your policy, when you request a quote.
Swimming equipment can be covered under a swimming travel policy with sports equipment cover.
Yes, you can select a swimming travel policy and opt for Europe, or worldwide cover depending on where you’re travelling.
Yes, you are not covered travelling to countries with no travel restrictions applied by the Foreign Office.
If you are swimming abroad our sports travel policy provides cover for medical expenses if you sustain an injury, provided reasonable precautions have been taken and you have complied with any exclusions.
For swimming in the UK you can be covered for broken bones, dental treatment and physiotherapy, should these be required following an injury.
Yes, this is covered under search and rescue. However, if you are open water swimming you must have a support boat with you and the water must be above 5 degrees to ensure your cover is valid.
Yes, you are covered for the benefits listed on your policy.
You can select cover for ice swimming when you get a quote. You are restricted to having a lifeguard or support boat to ensure your cover is valid.
There are no restrictions if a tide-related incident occurs provided you are swimming in water above 5 degrees and have a support boat.
Yes, there are no exclusions for time trial events, you are covered for the benefits listed on your policy.
If you need medical treatment abroad, following an open water swimming event, this can be covered by medical expenses provided you have taken reasonable precautions and followed local advice.
* 10% online discount applies to our Sports Travel Insurance and Activity TopUp policies only.
** Data relates to all SportsCover Direct Insurance claims from Jan 2010 to Dec 2024 inclusive.
*** Feefo rating relates to all SportsCover Direct Insurance claims review score from Jan 2024 to Dec 2024 inclusive. Feefo score rounded up to 1 decimal place.
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