Outdoors and Adventure Sports Insurance
Specialist outdoors and adventure sports insurance with optional Worldwide cover
Adventure sports do exactly what they say on the tin: they provide a sense of adventure! Whether your favourite activity is bushcraft, caving, or gorge walking, specialist outdoors and adventure sports insurance through Insure4Sport covers all of these sports and more.
Although these sports provide a thrill, each comes with its own set of risks. This is why you may want to consider getting specialist insurance to help provide financial protection in case something goes wrong on your next adventure.
Why choose Insure4Sport for adventure sports insurance?
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FREE Multi-Sports Cover
Insure4sport arranges multi-sport cover for over 400 sports & activities.
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FREE £250 Equipment Cover
Get cover for theft, loss or accidental damage of your equipment when purchasing a policy.
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Rated 'Excellent' on Trustpilot
Rated Excellent on Trustpilot and insurance provided by Aviva.
Types of outdoors and adventure sports covered:
Adventure sports insurance through Insure4Sport covers a range of outdoor activities, which can include:
Walking
When you’re exploring trails both in the UK and abroad, you may want to consider getting walking insurance. If you’re a walking guide, walking tour guide insurance may be the best option for you. Both types of insurance can help financially protect you and your clients from financial risks in the event of an accident while out on the trails.
Bushcraft
Practising bushcraft teaches you how to live off the land and respect the natural world around you. However, being out in the wilderness comes with its fair share of hazards, which may impact you financially. This is where bushcraft insurance may be able to help.
Mountain guide
As a mountain guide, you’ll be no stranger to the dangers that this activity can pose. Sharing your knowledge of mountain environments can be a rewarding experience, but if a member of your group becomes injured and decides to make a claim against you, it can be costly. That’s why you may want to consider mountain guide insurance.
Caving
Caving can be an exciting activity, whether you do it alone or in a group. However, traversing cave networks can be dangerous and may require expensive specialist equipment. Having caving insurance can help provide the reassurance that if something should go wrong while exploring the caves, you may be able to get some, or all of the costs covered following a successful claim.
Canyoning
Canyoning, also known as canyoneering, involves exploring canyons through abseiling, swimming, and scrambling. It’s a sport that blends elements of hiking, climbing, and water sports. Therefore, you may want to consider specialist caving insurance to help provide some financial protection against these risks.
Orienteering
While orienteering isn’t often considered a high-risk sport, navigating uneven terrain while trying to complete the course faster than your competitors can still result in an accident. Injuries to your feet and ankles can be common, which is why you may want to consider specialist orienteering insurance which includes Loss of Earnings cover, should you be unable to work.
And more...
You can also get cover for adventure sports such as:
- Rock climbing
- Mountaineering
- Ghyll Scrambling
- Gorge Walking
- Nordic Walking
Can’t see your sport here? You can select from our full list when you get a quote.
Types of outdoors and adventure sports insurance
If you decide to take out an adventure sports insurance policy through Insure4Sport, there are three options to choose from depending on the level of cover you want:
- Individual adventure sports insurance: This policy is designed for individuals and players participating in adventure sports. It includes cover such as Personal Accident, Public Liability, and equipment cover.
- Adventure sports instructor insurance: If you’re an instructor, teacher or guide within adventure sports, this may be the cover best suited to you. It can include the same level of cover as a policy for individuals, with the addition of Employers’ Liability and Professional Indemnity cover. To be eligible for this policy option, you must have the relevant qualification from the appropriate governing body for the level you are coaching.
- Adventure sports team insurance: If you are part of an adventure sports team or group, this policy provides the option to extend your cover to include all team members.
What does outdoors and adventure sports insurance cover?
Individuals and teams
- Public Liability – up to £10m for accidental bodily injury to a third party (and damages in respect of such) and accidental damage to third-party property
- Personal Accident – covers accidental injury or death, dental treatment, and more following an adventure sports accident
- Loss of Earnings – up to £750 per week for up to 52 weeks. An excess of 14 days applies
- Theft, loss and damage to adventure sports equipment
- Hospitalisation compensation – if you are admitted as an in-patient for more than 24 hours
- Worldwide cover
- Any claims not arising from adventure sports
- Any liability for damage to property belonging to you or in your care (excluding premises and other property you temporarily occupy for the purpose of adventure sports)
- Loss or theft of any adventure sports equipment left unattended unless there is evidence of forced entry and/or exit to or from any premises, changing room, or any securely locked locker or similar places of storage
- Any claims for adventure sports equipment without evidence of ownership
- Theft, loss or damage to mobile phones
For more information visit our Important Documents page.
Instructors and coaches
- Professional Indemnity – up to £5m
- Employers’ Liability
- Public Liability – up to £10m for accidental bodily injury to a third party (and damages in respect of such) and accidental damage to third-party property
- Personal Accident – covers accidental injury or death, dental treatment, and more following an adventure sports accident
- Loss of Earnings – up to £750 per week for up to 52 weeks. An excess of 14 days applies
- Theft, loss and damage to adventure sports equipment
- Hospitalisation compensation – if you are admitted as an in-patient for more than 24 hours
- Worldwide cover
- Any claims not arising from adventure sports
- Any liability for damage to property belonging to you or in your care (excluding premises and other property you temporarily occupy for the purpose of adventure sports)
- Loss or theft of any adventure sports equipment left unattended unless there is evidence of forced entry and/or exit to or from any premises, changing room, or any securely locked locker or similar places of storage
- Any claims for adventure sports equipment without evidence of ownership
- Theft, loss or damage to mobile phones
For more information visit our Important Documents page
FREE multi-sports cover
Play or coach more than one sport? You could benefit from FREE multi-sports cover.
Why consider specialist outdoors and adventure sports insurance?
Whichever adventure sport you choose to participate in, they all come with an element of risk. Having specialist outdoors and adventure sports insurance through Insure4Sport can help cover some or all of the costs if you suffer an injury, injure a third party, or damage their property while participating in adventure sports.
Outdoors and adventure sports instructor insurance can also help if a client suffers an injury while following your advice, or if a member of your staff suffers an injury or illness while employed by you, and they decide to make a claim.
Does standard travel insurance cover adventure sports?
Travel insurance policies do not usually cover adventure sports as standard, as they’re often counted as high-risk extreme sports. For example, your travel insurance may not cover:
- Bush Craft
- Caving
- Canyoning
- Orienteering
- Ghyll Scrambling
- Gorge Walking
- Nordic Walking
You may be able to get an add-on that will cover extreme sports, but there are some cover options which may not be included, such as:
- Loss of Earnings
- Employers’ Liability
- Professional Indemnity
Sports insurance should never replace your travel insurance, but you may want to consider getting adventure sports insurance through Insure4Sport in conjunction with your standard travel insurance to ensure you’re covered for all of the above, both abroad and in the UK.
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The quickest way to get an estimation of what your policy could cost is to get an online quote today, as costs can vary depending on your chosen sport and level of cover.
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As long as you aren’t competing at a professional level, you are covered to participate in adventure sports competitions through Insure4Sport.
Looking to insure your adventure sports club?
Explore sports club insurance to find out more information on how you can financially protect your adventure sports club with buildings and contents insurance.
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