Watersports are a popular activity for holidaymakers. But, it's important to know that your policy might not cover you for these activities.
This can lead to a major headache if you need to make a related claim, only to discover that your policy won't pay out!
Don't worry, though, we're here to help. Below, we'll guide you on how to get the right coverage if you're planning to enjoy some adventerous watersports on your holiday. Read on!
Standard travel insurance can cover you for watersports, but it'll usually only cover lower risk activities
Here's a breakdown of what it typically does and doesn't cover:
This is generally covered, as it's considered low risk by insurers.
As it's usually done in shallow waters, snorkelling is often covered because it poses minimal risk.
This popular watersports is often included in most standard travel insurance policies.
This is usually covered. But, if you're planning to race or travel far from shore, you might need extra coverage.
This is considered a relatively safe activity, so it's often covered by standard policies.
Even though it's fun, surfing is seen as higher risk. So, it might not be covered by standard policies.
Jet-skiing is generally considered a 'high-risk' watersport. So, you'll probably need extra cover for this, or maybe even specialist high-risk travel insurance.
Scuba diving may be covered, but only up to a certain depth. You'll need extra cover for deeper dives.
Since kite surfing involves speed and strong winds, it usually needs a higher level of cover.
Easier courses may be covered by standard policies, but most will exclude rafting down higher-grade lines.
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Head's up: Sometimes, insurers might offer watersports travel insurance as a 'policy add-on' during checkout. In this case, you can just select the additional cover you need this way.
The amount of cover you get can vary depending on your insurer. So, make sure you're reading those terms and conditions!
Generally, you can expect cover for the following:
If you’re injured while doing your chosen watersport.
If you’re injured or lost while doing a certain watersport and need saving. Without cover, you could be held liable for the costs!
If your watersport equipment gets damaged, such as your surfboards or kayak. Some insurers can have a single item limit for each piece of equipment. So, make sure you check your policy to see what your coverage is.
If you’re injured while participating in your chosen watersport, your insurance's repatriation cover could help with the costs of safely returning you home.
If your luggage or personal possessions are damaged, stolen or accidentally lost, your policy's baggage cover can help.
If you're unable to make your onward travel plans, your policy's travel disruption cover could help.
Since insurers typically only cover watersports for recreational purposes, you'll likely need specialist insurance for things like speed trials and races.
If you're a professional or semi-professional watersports athlete, standard travel insurance usually won't cover you. You'll likely need specialised cover.
Some policies limit how far from the shore you're covered. If your adventure takes you beyond the allowed distance, you might not be covered.
If you trvel to your destination against warnings given by the Foreign, Commonwealth and Development Office (FCDO) your insurance won't cover you.
Issue that occur while you're intoxicated may not be covered.
Your policy won't cover any claims for compensation if you change your mind and decide to cancel your holiday.
Top tip: Confused on what you've got cover for and what you don't? Don't stress it—read your policy terms and conditions to see exactly what level of cover your insurer offers for watersports.
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