Adventure Sports – The do’s and don’ts, if you want to stay covered
Common Sports and Activities covered
South Africans are a very adventurous lot and many people have asked us if our travel insurance covers them for the adventure sports that they may partake in whilst on holiday. The answer is yes, if you look at your schedule of benefits you will see that a number of our travel insurance policies do cover you for adventure sports. For the detail of which sports are covered please read our policy but some of the common ones we cover (provided that the standard safety gear and helmets are worn) are:
• Basket ball
• Camel & elephant riding
• Canoeing in calm waters
• Fishing (off land),
• Under 200cc motor biking and quad biking
• Mountain biking
• Roller skating
• Sailing in coastal waters
• Sea canoeing and sea kayaking
• Volley ball
Adventure sports and clues to participating safely
The restrictions to cover whilst participating in adventure sports give you a good clue of the statistical likelihood that you will injure yourself whilst partaking in these activities. It is advisable to remain within these guidelines not only to ensure that your travel insurance covers you but to reduce your likelihood of an accident.
For example: – we will even cover you for bungee jumping as long as you do not exceed 150 meters and use a body harness as a back-up to the ankle attachment. Therein lies a clue to your statistical probability of injuring yourself whilst partaking in this scary activity!
Other useful clues to looking after yourself whilst partaking in adventure sports are the cover provided for:
• Horseback riding (excluding competitions and jumping),
• Kite surfing at least 100 meters from any obstructions. Please note, as tempting as it may be, don’t go kite surfing during storms because you will not be covered.
• Mountaineering for recreational purposes but when the use of ropes and equipment are required you are not covered.
• Scuba diving for recreational purposes up to a depth of 30 meters but you must be a licensed diver and be accompanied by a qualified buddy diver.
• Recreational snow skiing and snowboarding on green, blue and red slopes only if properly organised and supervised, on a designated run on-piste. If you are going off piste and down blacks, please be extra careful because you will not be covered.
• White water rafting is also covered with experienced guides on rivers with an international scale of river difficulty of Class 1, 2 and 3.
Cover for certain Collision Sports will be provided, limited to rugby, hockey, netball and soccer. Players must be under the age of 20 years. Cover is limited to R500 000, and sprains, strains and physiotherapy will be excluded. This extension can be applied to certain other sporting activities at the discretion of the insurer.
This article gives you guidance on adventure sport cover. For full detail please ensure you read your travel insurance policy terms and conditions together with the schedule of benefits.