Sports Accident Insurance

If you are a keen amateur sportsperson, then you should consider taking out sports accident insurance. Costs start from around £33 a year depending on the sport and your occupation.

What does it cover?

A typical plan will cover personal liability, personal accident – which can include loss of earnings -  legal expenses, consultant, dental and physiotherapist’s fees, search and rescue and inconvenience payments for time spent in hospital. The higher the grade of plan, the higher the benefit limits will be.

These policies are only for amateur sportspersons, semi-professionals, will need to take out a more extensive cover policy. The cost is based on what sport your participate in and your paid occupation

Exclusions

You do have a duty of care, so most policies will not accept claims if:

• You were not wearing the correct protective equipment, at the time the injury occurred. (For example not wearing a gum shield, while playing a contact sport).
• The injury occurred before the policy was taken out.
• The injury occurred, while you were under the effects of any drugs or alcohol.

It is important to read the small print of your policy so you understand exactly what is excluded as well as included in the cover.