Award-Winning, Flexible
ACTIVITY TOPUP INSURANCE
- Worldwide protection available
- Over 500 sports and activities covered
- TopUp cover before & during your trip
What does Activity TopUp Insurance cover?
Our Activity TopUp Insurance provides protection in conjunction with your existing travel insurance, which you may have with your bank or another insurer. The policy is designed to cover you to take part in a sport or activity during your trip, a sport or activity that is not covered under your existing travel insurance policy.
It may also benefit those that will not be covered under their existing travel insurance for taking part in a sporting competition or event. We provide competition and event cover under our Activity TopUp Insurance policy for hundreds of different sports and activities. See specific cover conditions when getting a quote online.
Any claims unrelated to your sport or activity will need to be referred to your existing travel insurance provider.
1. Travel Insurance Bolt-On
Our Activity TopUp policy is best suited if you have a travel insurance policy with another provider, such as your bank, but it does not include cover for your chosen activity. We can provide a bolt-on style insurance to cover you in these one-off situations.
2. Travel Insurance
If you are travelling abroad to play in a sport, we offer a travel insurance policy that will cover medical expenses should you get injured whilst playing. It will also provide a range of other benefits including trip cancellation cover and equipment protection.
3. Sports Accident Insurance
Our Sports Accident Insurance is designed to protect you for cycling in the UK. Our policy provides a range of benefits including cover for serious injury, and if selected, will include income protection.
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 makes our Activity TopUp policy different?
Activity TopUp Insurance is a specialist add-on to your standard travel insurance, including cover for medical expenses, repatriation, search and rescue. If you already have a policy in place, with your bank for example, but need cover for an activity or adventurous sport that is excluded by your existing policy.
Keep your premium to an absolute minimum. Select the sport that you require cover for, the zone or country where you will be doing this, and the dates that you will be doing the sport. We cover most adventure sports and activities.
Activity TopUp can be bought before or during your trip providing you have general travel insurance in place and can be taken out for a single day or multiple days as required. Your documents will be emailed to you instantly after purchase.
Please check our full list of sports activities here.
Why do you need Activity TopUp Insurance?
Most standard travel insurance policies do not normally pay out for accidents during certain adventurous or extreme sports unless additional cover is taken out. So, our Activity TopUp policy can provide this additional cover. The main benefits include:
- Emergency Medical Expenses & Repatriation
- Cancellation & Curtailment
- Personal Accident cover
- Personal Liability
- Search and Rescue
Frequently Asked Questions
Yes, the Activity TopUp provides protection in conjunction with your existing travel insurance, you will be covered whilst taking part in your sport or activity. Any claims unrelated to your sport you will need to refer to your existing travel insurance provider. You will be asked for details of your travel insurance provider on the following page, all we need to know is the name of the insurance company.
Yes. Activity TopUp can be bought before or during your trip providing you have general travel insurance in place. You can take it out for a single day or multiple days as required. Your documents will be emailed to you instantly after purchase.
Our Activity TopUp Insurance can generally be taken out even if you have a medical condition. We can almost always offer cover at no extra cost. However occasionally, special terms may apply following a claim for a medical condition for subsequent claims. Please check policy documentation for further information, which you’ll find with your quote.
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.
Get an instant quote and buy online now!
* 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.