Seeking an adrenaline rush on your next holiday? Learn more about extreme sports travel insurance and get a great deal when you compare quotes with Confused.com.
Insurers assess risk differently, so the cover available depends on the insurer. For example, some insurers cover sports like swimming or cycling as standard, while others don't.
Most insurers consider the following activities to be extreme:
Some insurers also consider these sports to be high risk:
There are also some low-risk sports that might not be covered by standard travel insurance. For example, golf, water sports and winter sports. You can normally find specialist policies for these, or include policy add-ons that cover them.
When getting travel insurance, it's important to check your policy details to make sure the activities you're planning are covered. If they're not, you can contact your insurer and ask them to include cover for an extra cost, or find specialist cover.
1Correct as of October 2024
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This will depend on your provider. Some include cover for off-piste skiing in their winter sports travel insurance, but others consider it too risky. It's best to check the wording on your policy to see whether you're covered for off-piste skiing.
There are sports and activities that are considered extreme risk by insurers. These are unlikely to be covered by travel insurance. This includes activities like base jumping, free solo climbing, solo mountaineering and wingsuit flying.
Activities like caving or ice-climbing might also be difficult to find cover for. In some cases, these sports might only be covered by specialist policies that are likely to be more expensive.
Some policies will include cover for your kit or equipment. If your equipment is lost, stolen or damaged, your policy might cover the cost of replacements. But, many policies have single-item limit, which sets out how much each item is covered for. It's also common to have an overall limit to how much you can claim for your belongings. You should check your policy documents to see whether this is enough.
There's a number of mainstream travel insurers who offer cover for extreme sports. There are also insurance companies that specialise in cover for adventurous activities. In some cases, you might be able to add cover to your policy by contacting your insurer.
The easiest way to find the cover you're looking for is to shop around and compare policies.
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