What Are The Best Sport Insurance Companies In The UK?
Get covered with our dedicated sport insurance specialist
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.
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.
Good to know
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 cover | Explanation | Usually included as standard | Amount |
|---|---|---|---|
| Public Liability | If you damage someone else's property or injure someone. | yes | Usually £1M to £5M |
| Professional Indemnity Cover | If you are deemed to give negligent advice. | Optional extra | £1M |
| Personal Accident Cover | If you get seriously injured whilst practicing sport. | yes | £10,000 to £50,000 |
| Loss of earnings | If 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 Cover | If your equipment are damaged, lost or stolen. | yes | £5,000 to £50,000 |
| New for Old Cover | Covers 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) | yes | From 1 year old to 5 years old |
| Employer's Liability Cover | If one of your staff member is seriously injured. | Optional extra | Usually from £1M to £10M |
| Worldwide cover | If you are practicing sport or instructing in another country. | Optional extra | Up to 365 days for best covers |
| Online session cover | If you are instructing online and someone get injured. | Optional extra | Up to 50 people |
Enjoy your sport with complete peace of mind with our partner Insure4sport.
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.
Good to know
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.
