Comparing insurance for your water sports holiday
It’s great fun to get away with friends to indulge in your favourite sport – especially if watersports are your thing. Whether you’re a keen diver, surfer, waterskier, windsurfer, kayaker or something else, there’s nothing quite like taking your hobby somewhere warm with clear blue seas.
To get the best from your trip, you’ll need peace of mind that you have a fall-back if something goes wrong. So it’s essential to get water sports insurance.
Things to consider for sports cover
There are two key elements that you need to consider which could go beyond the average travel insurance policy.
First is injury. Doing something active on holiday often means a higher risk of someone getting hurt. Needing medical treatment abroad can be pretty pricey, so people buy holiday insurance to cover any costs if something goes wrong. A basic travel insurance policy might not cover you for your sport of choice, so you could need to buy a more inclusive policy or even a special kind of cover.
To give you an idea, surfing, windsurfing, wakeboarding, jetskiing and dinghy sailing are all usually covered in a basic policy, but catamaran sailing, diving below 30m, sea-canoeing and canyoning and are not. So check the individual policy details to check before purchasing.
The second is equipment. Most insurance policies will cover you for a certain value of baggage, but if you’re transporting valuable water-skis or surfboards, this amount might not cover what you paid for them. Just make sure you check you have enough cover to cover the cost of your equipment.
To make sure you have the right level of cover in place, you have two options. First, you could check the details of a typical travel policy to find out if your sport is covered and whether the baggage values are high enough. You could also contact the insurer to see if they can offer more cover to suit you.
The second option is to seek out a specialist provider for your sport and buy a tailored water sports insurance policy. This might offer you more comprehensive protection – but may well cost more too.
What does travel insurance cover?
All policies vary, but most should include emergency medical treatment costs, like hospital or ambulance fees. They usually cover getting you home after medical treatment abroad, if you can’t use your original ticket. Often you’ll be covered for the costs of a friend or relative staying with you while you’re treated, or flying out from home to support you if needed.
Your policy can also refund you if the trip has to be cancelled or cut short for some reason, or cover the loss of your baggage or other possessions.
So to get an idea of your holiday insurance costs, the best way is to do a travel insurance comparison.
If you’re including other people, you’ll need their dates of birth and details of any medical conditions they might have, to get an accurate quote.
How’s your health?
From an insurer’s point of view, if you have a health condition it could mean you‘re more likely to need medical help while you’re away skiing. Because of this, some conditions might make your insurance more expensive but this isn’t always the case with all conditions.
It is important to list any medical conditions and give insurers all the information they need because, if not, you might not be covered or you could be charged. If your insurer discovers that the medical emergency on your trip was linked to a condition or injury you already had, they could refuse to pay your bills or charged.
Where are you going?
When you compare travel insurance the insurer needs to confirm your destination. Europe is a popular choice for water sports, especially in the summer months. You’ll need a different policy if you’re going to the USA, and for more exotic countries we’ll ask you to name the destination as part of our quote journey.
Compare and save!
When you reach the end of the questions you’ll get a page full of travel insurance quotes. They’re listed in price order, so that the cheapest travel insurance is at the top.
The main features and details of each policy are clearly shown – the amounts of medical, baggage and cancellation cover, the excess you would pay if you did make a claim and how well it’s rated by Defaqto. You can filter your results too. To find out more about what is and isn’t included in the policies, click each one for more details.
Have a good look through before you choose a travel insurance quote that suits you. When you’re ready, click the button to go through and buy. But do make sure you read all the details. You might find that your favourite water sport is covered, but something else you decide to do on your trip – say deep sea fishing or paragliding – is not.
So not only are you all ready for a fantastic water sports holiday, but if you buy through comparethemarket.com you’ll qualify for MEERKAT MOVIES*! That means you can get 2 for 1 cinema tickets on Tuesdays or Wednesdays, every week for a whole year. What’s not to like?