Dangerous sports holiday insurance

Before going on an adventure holiday you should check your travel insurance if you are covered for hazardous activities or dangerous sports if you intend taking part.

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Many tour operators and local businesses offer activities such as bungee jumping, scuba diving, horse riding, para gliding, white water rafting, rock climbing and more. Before you embark on any hazardous activity check the policy wording, many insurers (although not all) will not provide such cover on standard policies.

If you holiday insurance policy covers you for such activities, it is unlikely they will cover liability and personal accident, which should be provided by the company hosting the activity. In a similar manner, if you play golf on holiday and cause an injury to another player you are liable for the injury. Most standard insurance policies will not provide such cover so you should be aware that the business hosting the activity is responsible for liability and personal accidents. This is of particular importance in America where legal bills can be very expensive.