Sport Insurance

antoine fruchard Antoine Fruchard  updated on October 9, 2020

Get covered with our dedicated sport insurance specialist

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You’d like to get covered as a participant or as an instructor, for your sport activity?

The below guide will tell you everything you need to know about sport insurance and why you should get one.

Let’s dive in!

What is sport insurance?

As the name suggests, sport insurance will cover you as a professional sport instructor or as a ‘sport addict’ person mainly if:

  • you get injured whilst practicing your sport
  • you injure someone else
  • you damage anyone else’s property.

Enjoy your sport with complete peace of mind with our partner Insure4sport.

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Why do you need sport insurance?

You must know that you are never enough protected against accidents that may happen anytime, especially whilst practicing a sportive activity.

What if you get injured skiing? Or you twist your ankle on the basketball court? Or you collide with someone whilst practicing golf with your buggy?

Take as granted that we absolutely never know when bad things can occur and that unexpected expenses can quickly leave you out of pocket. This is why you should always get covered to peacefully enjoy and practice your sport.

Who is sport insurance for?

Sport insurance can be for everyone and is especially useful for:

  • coaches
  • personal trainers
  • fitness instructors
  • players
  • teams.

Which sports are covered by sport insurance?

With dedicated sport insurance specialist, you should be able to insure all sports. Most of dedicated insurers cover more than 250 sporting activities from ice skating to parachute jump through judo, cycling or any team sport.

However some very risky sporting activities might not be covered or you will need to pay extra premium.

Sport insurance covers amateurs as well as professionals.

What does sport insurance cover?

Whether you are a player or an instructor, sport insurance will cover for:

Sport insurance coverExplanationUsually included as standardAmount
Public LiabilityIf you damage someone else’s property or injure someone.yesUsually £1M to £5M
Professional Indemnity CoverIf you are deemed to give negligent advice.Optional extra£1M
Personal Accident CoverIf you get seriously injured whilst practicing sport.yes£10,000 to £50,000
Loss of earningsIf you can no longer instruct or play because you have been injured whilst practicing sport and you make your living out of it.Optional extra£100 to £2,000 per week
Sport Equipment CoverIf your equipment are damaged, lost or stolen.yes£5,000 to £50,000
New for Old CoverCovers for the replacement of your sport item with a new one if meets the eligible criteria (usually time limit applies and your item must not be older than X months or years)yesFrom 1 year old to 5 years old
Employer’s Liability CoverIf one of your staff member is seriously injured.Optional extraUsually from £1M to £10M
Worldwide coverIf you are practicing sport or instructing in another country.Optional extraUp to 365 days for best covers
Online session coverIf you are instructing online and someone get injured.Optional extraUp to 50 people
Sport insurance cover

Enjoy your sport with complete peace of mind with our partner Insure4sport.

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What does sport insurance not cover?

There are some dangerous activities that sport insurance providers may not want to insure such as:

  • Bungee Jumping
  • Cliff Diving
  • Cliff Jumping
  • Free Running
  • Fire Walking
  • Free Diving
  • Horse Riding
  • Motor Sports
  • Raft Building
  • Rugby Teams and Coaches
  • Horse Riding
  • Stiletto Fit
  • Tak Ball
  • Historical Fencing
  • Tameshigiri etc.

Can I get multi-sports insurance?

Of course you can. You just need to mention it to your insurer. Multi-sport cover can be included as free or you may need to pay an extra on your monthly premium but that shouldn’t exceed 10% of your standard insurance price.

You can get covered for several sports on a single policy.

What is winter sport insurance?

Winter sport insurance is one of the most commonly purchased sport insurance in the UK. Indeed, winter sports are dangerous and many accidents happen every year on the ski slopes.

There are two ways you can buy winter sport insurance:

  • Either through a dedicated sport insurance specialist if you are planning to ski in your home country for instance; or
  • By taking out travel insurance with winter sport optional extra if you’d like to enjoy french or Italian alps for instance.

How much does sport insurance cost?

If you are a basketball player only wanting £1M public liability cover for amateur practice, you can pay as cheap a £1 per month or from £2 for winter skiing.

Premiums will increase if you decide to get Professional Indemnity, Personal Accident, and Sport Equipment Cover.

Sport insurance premium will depend on different criteria such as:

  • the sport you’d like to get covered for
  • if you are an amateur or a professional (and if you need professional indemnity or loss of earnings cover for instance)
  • the level of cover you’d like to get
  • if you want to practice sport worldwide etc.

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