The idea behind sports insurance is typically to protect an individual, coach, manager, trainer, or company against claims made in the event of an injury or death during a sporting activity. There are literally dozens of sports that would require sports insurance. As a general rule of thumb, the more risky the sport, the more reason to be insured.
Two typical types of sports insurance are sports travel insurance and sports personal accident insurance.
Sports travel insurance is just like it sounds, it involves protection in the event of injury or death whilst participating in a sporting activity abroad. The most obvious examples of sports travel insurance might involve, for example, a skiing holiday. Or, one might specifically travel to another country to do parasailing, sky diving or enter in a surfing competition.
There are times where you may not need sports insurance. For example, you may travel to a sunny destination like Mexico or Spain and have no particular plans to engage in sports. However, you might decide one day to go rock climbing or snorkelling. Assuming you have purchased adequate travel insurance, you may be covered in the event of an injury but of course, this is something you’ll want to verify with your insurer. If they do not cover sporting activities and you think you may be involved in sports, then sports insurance would be recommended.
Sports cover abroad can usually be obtained either with a single-trip policy or if you travel a lot you may choose a yearly multi-trip plan. Depending on the insurer, you may be able to “top up” on your standard travel insurance. For example, you have travel insurance and set off on your dream holiday. You arrive and a few days later you decide to go hang gliding. This is considered a risky sport, especially if you are a beginner, so you may want to top up your typical holiday insurance with an activity-based sports insurance policy. This way you are not spending more than you planned whilst away on holiday yet are covered for that one sports related event.
The other type of sports insurance is one that relates to personal injury can range from 24 hour, 7 day a week cover to single day coverage. No one leaves the house each morning expecting to be injured or involved in an accident. However, if you’re the type of active person who loves to play sports, you may want to consider yearly sports insurance.
A range of benefits might include: cover for loss of earnings due to injury, benefits, legal expenses, rehabilitation, and physiotherapy. If you choose the annual cover, you should even be protected whilst travelling to and from the sporting event.
As you can see, there are many reasons to consider sports insurance. From holidays to playing football on the weekend. If you plan to play sports and feel that if you cannot afford the consequences of a severe injury, then you’ll want to seriously consider sports insurance for peace of mind and security. Having said that, always be as safe as possible when playing sports and avoid careless or risky behaviour to avoid injury.
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