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What we like:

• Three policy levels – Economy, Standard and Premier, offering different levels of cover
• Offer policies for families, skiing, those going on a cruise and the over 65s (some at additional premiums)
• Cruise and winter sports cover available

What we are not so keen on:

• Winter sports cover is only for ‘one trip’ of up to 18 days on annual Standard policies – so useless for anyone who might go more often.

Single Trip Cover

For those aged up to and including 84 years old, although winter sports cover is not available for the over 64s. Covers many activities and sports free of charge, and an additional range of more extreme activities if you pay extra. They are clear on what activities they won’t cover as well. Very clear website when it comes to tweaking the policy for additional elements, and explicitly covers cruises upon payment of an additional premium.

Annual (Multi Trip) Cover

Covering those up to 74 years old and trip lengths up to 32 days. Good sports coverage, but see comments above regarding single trip policies.

Winter Sports

Only offers cover for one winter sports holiday under their annual policies of up to 18 days in length (21 for premier policies) – if you have any plans to take more than one break look elsewhere. The activities Insurefor.com cover is reasonable. See more in our guides in our Ski section.

Travel Insurance for Cruises

Covered upon payment of an additional premium

Business

Cover for business equipment and money and also for emergency courier

Travelling whilst pregnant?

Provided you are not travelling against doctor’s advice, Insurefor.com will cover you although cover is only given under Sections 1,3, 4 and 5 of the policy for claims arising from complications of pregnancy and childbirth (as explained in their definitions). You must not travel less than 8 weeks (16 weeks for multiples) prior to the expected delivery date.

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Sports and Activities covered Free of Charge

‘The following are included as standard, as long as they are amateur activities, conducted under adequate supervision and on an incidental basis.’

(please check the companies current terms and conditions at time of booking to ensure there have been no changes, and for any further conditions that apply)

• Aerobics
• Archery
• Badminton
• Basketball
• Beach Games
• Bowls
• Cricket
• Cycling (low use)
• Fell walking, rambling and trekking (up to 2,000m altitude)
• Fishing
• Football
• Golf
• Ice skating (rink only)
• Mountain Biking (excluding competition)
• Parascending (towed by boat)
• Racquetball
• Rafting, canoeing and kayaking
• Rambling
• Roller Skating
• Rounders
• Scuba diving (to 18m)
• Skateboarding
• Snooker, pool and billiards
• Snorkelling
• Squash
• Surfing
• Swimming (in pool or on inland waters or coastal waters within a 12 mile limit from land)
• Table tennis
• Tennis
• Volley ball
• Water Polo
• Water skiing ( only on inland waters or coastal waters within a 12 mile radius from land)
• Windsurfing ( only on inland waters or coastal waters within a 12 mile radius from land)
• Yachting, boating, sailing and rowing (only on inland waters or coastal waters within a 12 mile radius from land)

** Sports & Activities not covered as standard – contact InsureForTravel for cover options **

(please check the companies current terms and conditions at time of booking to ensure there have been no changes, and for any further conditions that apply)

• Abseiling
• Bungee jump (No PA cover)
• Camel/Elephant riding
• Deep sea fishing
• Dog sledging
• Go Karting (specific use)
• Gymnastics
• High altitude trekking
• Hiking (between 2000 and 6000 meters)
• Hockey
• Horse racing
• Hot air ballooning (Non-UK organised)
• Hydrozorbing
• Martial arts (training only)
• Organised safari with guns
• Outdoor endurance events
• Parascending – over land
• Rugby
• Sand dune surfing / skiing
• Scuba diving between 30m – 50m (within organiser’s guidelines)
• Speed skating
• Street Hockey (wearing pads and helmets)
• Summer tobogganing
• Trampolining
• Trekking high altitude
• White water canoeing (up to grade 4 only)

Sports & Activities covered upon payment of an additional premium, but where there is no cover in respect of any Personal Accident and Personal Liability sections

(please check the companies current terms and conditions at time of booking to ensure there have been no changes, and for any further conditions that apply)

• Fencing (within organiser’s guidelines)
• Gaelic football
• Hurling
• Polo
• Sailing / yachting inshore (recreational crewing, no racing)
• Sailing / yachting offshore (recreational, no racing)

Sports and Activities not covered under any circumstances

(please check the companies current terms and conditions at time of booking to ensure there have been no changes, and for any further conditions that apply)

• Adventure racing
• Base Jumping
• Biathlon
• Big game hunting
• Black water rafting
• BMX riding – stunt / obstacle
• Bouldering
• Boxing
• Canyoning
• Cave tubing
• Caving and Pot holing
• Climbing over 4000 metres
• Cycle Racing
• Cyclo cross
• Drag racing
• Flying (except passengers in licensed passenger aircraft)
• Free Mountaineering
• Hang gliding
• Harness racing
• High diving (over 5 metres)
• Hunting (Fox / drag)
• Jousting
• Judo
• Karate
• Kendo
• Manual work
• Martial Arts
• Micro Lighting (No PL cover)
• Modern pentathlon
• Motor Cycle racing
• Motor racing
• Motor rallies
• Mountaineering (over 4000 metres)
• Parachuting
• Paragliding / parapenting
• Potholing / Caving
• Powerboat racing
• Power Lifting
• Professional Sports of any kind
• Quad Biking
• River bugging
• Rock Climbing
• Rock Climbing using ropes and guides
• Rodeo
• Roller hockey
• Shark diving (in cage)
• Skydiving
• Speed trail / time trail
• Time trail / speed trail
• Triathlon
• Water ski jumping
• Weight lifting
• Wrestling

Winter Sports and Activities covered if an additional winter sports premium has been paid

(please check the companies current terms and conditions at time of booking to ensure there have been no changes, and for any further conditions that apply)

• Bobsleighing
• Cross country skiing
• Curling
• Dog sledging
• Dry slope skiing
• Heli skiing
• Luging
• Skiing
• Skiing, Big Foot
• Sledging
• Snow-boarding
• Snow Kiting
• Snowmobiling
• Snowshoeing
• Tobogganing
• On piste snowboarding, skiing, snow-cat skiing, mono-skiing and ski bobbing
• Off piste skiing and snowboarding but only if you are accompanied by a qualified instructor or guide.

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