Accident Insurance
Sports injuries cover with personal accident and travel insurance
Sporting activities accounted for 693,000 admissions to accident and emergency departments in 2008. Some sports are more dangerous than others – did you know that 67,000 people were injured playing rugby? Personal Accident Insurance can help to cover some of the costs if you are injured but surprisingly few people have it. If you are injured while involved in a sporting activity abroad you should be covered by your travel insurance but make sure the sport is not excluded. Most insurance policies only cover you for “hazardous activities” if you have agreed this with the insurers before you travel or before the inception of your policy in the case of Personal Accident Insurance.
Accidental injuries whether on the sports field or not can lead to legal claims. If you injure someone you might be sued, even if it was part of a sporting activity where a certain amount of rough and tumble can be expected. Check that your homeowner insurance and travel policy cover your personal liability in the UK and abroad. Liability for injuries caused while in charge of boats and vehicles, and while engaged in a business activity need to be covered.
If you are injured abroad and think it was someone else’s fault your travel insurance policy may have legal expenses cover to help you. Has anyone tried this?