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How To Get Insurance For Sporting Holidays

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The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive payment from the companies that advertise on the Forbes Advisor site. This comes from two main sources.

First, we provide paid placements to advertisers to present their offers. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market.

Second, we also include links to advertisers’ offers in some of our articles. These “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor.

While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

The comparison service on our site is provided by Runpath Regulated Services Limited on a non-advised basis. Forbes Advisor has selected Runpath Regulated Services Limited to compare a wide range of loans in a way designed to be the most helpful to the widest variety of readers.

Whether you’re planning on mountain biking or scuba diving on your next break, making sure your travel insurance has you covered could be the best 10 minutes you ever spent.
After all, while standard travel insurance policies can provide cover for some sporting activities, adventure, extreme or winter sports are likely to be excluded.
So, before the adrenalin starts flowing, here’s what you need to know.

Standard travel insurance policies will automatically cover some sporting activities – swimming, snorkelling and tennis for example. However, policies vary so be sure to check.
Even if the sporting activity is covered, there may restrictions or limits you’ll need to stick to. For example, you may be covered for scuba diving but only to a depth of 30 metres and with an instructor. If you’re pony trekking, you may be required to wear a helmet and not be partaking in competitions, racing, jumping or hunting.
And, just because you don’t consider your sport to be extreme or risky, it doesn’t mean it will be covered automatically.

The Post Office requires you to add on Optional Sports and Activities cover for activities such as sea kayaking, trampolining and mountain biking, for example. And you must be wearing a helmet.

Before a break, think about any sporting activities you’re planning to take part in. If you already have an annual travel policy which doesn’t cover them as standard, contact the insurer to see if they can be ‘bolted on’. If not, you’ll need to shop around for a specialist sports insurance policy.

If you’re going on a winter sports holiday, you may be able to add on specialist cover for this, too. Again, check the small print, as what is and isn’t covered varies. For example, LV= and the Post Office allow skiing and snowboarding off piste, but only if you stay within the ski area boundaries of the ski resort.

If you decide to take part in an activity after you’ve bought your insurance, or while you’re away, contact your insurer to add this on. Some specialist insurers may allow you to do this at the last minute – but don’t rely on it.

Taking out specialist sports insurance will result in a more expensive premium as the activities you’ll be doing put you at greater risk than if you were just relaxing by the pool. And the more dangerous the sport is considered, the higher the price you’ll be quoted.

However, don’t be tempted to travel without adequate sports insurance as this decision could cost you dear should something go wrong. You could be left with huge medical bills or covering the costs of repatriation which could spiral into tens of thousands of pounds.

Be aware too that many policies will exclude cover for sports that you’re taking part in on a competitive basis and may have a limit on the number of days you’ll be covered for.

A comprehensive sports travel insurance policy should cover the following:
When taking any travel insurance policy out, it’s important that you are honest about your health and declare any pre-existing medical conditions, even if this pushes up the price of a policy. If you are found to have been dishonest or withheld information, your policy may not be valid.

If you are travelling to Europe, apply for a free Global Health Insurance Card (GHIC) before your trip. This will entitle you to medically-necessary (in other words, it can’t wait until you’re home) state-provided healthcare in an EU country, which will either be free or at a reduced cost.

However, a GHIC should not be seen as a substitute for travel insurance as it won’t cover all health costs or repatriation. Neither will it offer any of the other valuable protection you’ll get from a comprehensive travel insurance policy, such as cover for cancellation or lost possessions.

It’s also worth paying attention to the level of cover a policy offers for disruption caused by Covid-19. Look at details such as medical cover, which situations you’d be covered for in the event of cancellation or curtailment, and any exclusions.

Head over to our Best Covid 19 Travel Insurance Policies for more information.
Bear in mind that, unless you’ve taken a specialist policy out, your insurance is unlikely to cover a trip to a country that the Foreign, Commonwealth & Development Office (FCDO) is advising against travel to.

To find the best travel insurance policy for you, shop around and compare a number of policies side-by-side. Consider financial limits, excess amounts and what is and isn’t covered as standard.

However, don’t choose a policy purely because it’s the cheapest option. It’s unlikely to provide the most comprehensive cover and this could make it a false economy should you ever need to claim.

Compare from our range of over 100 policies

Cathy Toogood is Forbes Advisor UK’s travel expert. With more than 15 years’ experience across national newspapers and online, Cathy covers everything from the best destinations, right through to the personal finance aspects of getting the right insurance and avoiding rip-offs.

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Sport

Matchday Guide: Boro vs Mariners

Take a read our matchday guide ahead of tomorrow’s game vs Grimsby Town at The Lamex Stadium in Sky Bet League Two…

Kicking off at 3pm in Sky Bet League Two, Steve Evans’ men know three points will be enough to secure promotion to League One when Paul Hurst’s Mariners visit SG2.

In front of a sold-out Lamex Stadium, the atmosphere is set to be electric as Boro aim for one more win to complete their season objective.

Saturday’s fixture is completely SOLD-OUT. No tickets will be sold on the day, so if you do not have a ticket, please do not travel.

For those with seat tickets, we recommend arrival at the stadium earlier than usual to ensure you are seated in your allocated seat.

Our North Stand and East Terrace are operating at 90% capacity due to restrictions placed by the Safety Advisory Group.

A Message to Supporters
At this crucial stage of the year, we must remind you in the interests of safety for everyone inside our stadium, that the pitch is for managers, players and match officials, while the stands are there for you to support the team.

Pitch incursions are dangerous and anyone who does encroach onto the playing surface will face strong sanctions that could include a ban from attending matches here at The Lamex Stadium, across the country and police action.

Furthermore, the use of pyrotechnics or smoke bombs at football grounds also carries an automatic ban and is something we take very seriously.

We appreciate your relentless support for our Club, but please do not put others at risk in doing so.

supporters are encouraged to stick around after Saturday’s final home league game of the season against Grimsby Town, in anticipation of the 2022/23 Supporters’ Association End of Season Awards.

As a reminder to supporters, these awards can only take place if the pitch is clear and safe for the players.

Club Shop & Ticket Office…
The Stevenage FC Club Shop is open at the earlier time of 11:30am on Saturday, closing at kick-off. The shop will also be open briefly at full-time.

Visit us in-store to collect Barrow AFC (A) tickets or purchase and browse our new leisurewear selection.

The North Stand Ticket Office, located on Broadhall Way, opens at midday and closes fifteen minutes after kick-off (3.15pm) for match ticket collections or queries. No tickets will be sold on the day.

Food & Drink…
The 76 Lounge

Open to home & away supporters from midday, at half-time for North Stand ticket holders and again for all from full-time to 8pm.

Supporters can also purchase hot food and drinks inside The 76 Lounge from 3.15pm which can be accessed via both side door of the North Stand.

Fans can move between The 76 Lounge and the tea bar area inside the North Stand to purchase food & drinks.

The Broadhall Suite

The Broadhall Suite is open to both sets of supporters from midday until kick-off, with a variety of drinks to choose from as well as a hot food matchday menu. This venue opens once again at full-time until 8pm.

Tea Bars

Tea bars around The Lamex Stadium are card only when purchasing food and drink around the ground.

How to Follow…
UK-based supporters can listen to Stevenage vs Grimsby Town with an iFollow Audio Match Pass, available to purchase for £2.50.

Overseas supporters can watch the action live with an iFollow Audio Match Pass, available for just £10.

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Sport

Match Preview: Stevenage vs Grimsby Town

Stevenage can secure promotion to Sky Bet League One tomorrow as they welcome Grimsby Town to a sold-out Lamex Stadium…

After Tuesday’s triumph in Swindon, Stevenage sit third in League Two and four points clear of Stockport County in fourth with just two games left to play.

Grimsby Town occupy eleventh place in the league table and, whilst they are unable to reach the play-off places, they will undoubtedly be looking to spoil Stevenage’s fun. The Mariners’ away form has been satisfactory this campaign, winning nine away league fixtures from twenty-two. Grimsby also had a successful FA Cup run, reaching the Quarter finals before being knocked out by Brighton and Hove Albion.

They have had a mixed bag of results recently, so will be unpredictable going into tomorrow’s match. On Tuesday, they picked up a 2-0 victory at home to Crewe Alexandra through goals by Gavan Holohan and Danilo Orsi. But three days prior, Grimsby suffered a 2-0 defeat away to Tranmere.

Paul Hurst is currently enjoying his second spell as Grimsby boss after spending 2011-2016 in charge of The Mariners. Last season, he led his side to National League Play-off Final glory, after beating Solihull Moors at The London Stadium. Hurst previously had managerial spells at Ipswich, Scunthorpe, Shrewsbury and Boston United.

Will Finnie has been appointed Match Referee for tomorrow’s match, with Scott Williams and Damith Bandara as Assistants, and Stephen Finch as Fourth Official.

Finnie has handed out ninety-five yellow cards and just one red in thirty matches this campaign.

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Sport

The Link Between Religicide and Violence Against Women

Violence against women has emerged as one of the hallmarks of religicide. Religious, civil society and business leaders must stop it in its tracks.

Involuntary sterilization and birth control in China. Honor killing in Iraq. State-sponsored rape in Myanmar. Forced marriage in Syria. Female genital mutilation in sub-Saharan Africa.

These are among the weapons used to control women today and throughout history – and likely among the many practices that will be denounced and discussed today on International Women’s Day. Yet an unrecognized form of human rights violation must be added to this litany of abuses in which women’s bodies are the battleground: religicide.

Religicide is the systematic, highly targeted effort to eradicate an entire religion, including its practices, adherents, sacred spaces, habitats and cultural heritage. Religicide plays out largely by controlling the reproductive choices of women, who they marry and who has access to their bodies.

Violence against women has emerged as one of the hallmarks of religicide. It has been practiced in China against Uyghur Muslims, in Iraq against Yazidis and in Myanmar against Rohingya Muslims. This abuse of women is a form of genocide-in-slow-motion.

Intimate partner violence is the most common form of violence against women, affecting around 641 million women and girls globally, according to the World Health Organization. Religicide fosters a form of such violence – rape, which is used as a weapon to wipe out religious identity. In religicide, women forcibly “married” to men of other faiths – or no faith – often must submit to those men or risk losing their lives along with their religious identities. Children from these marriages are under their father’s control. Women escaping religious enslavement would have to abandon their own children.

In China, the Communist Party is taking control of Uyghur women’s bodies through forced birth control in the form of implants, involuntary sterilizations and pills, according to The New York Times and other outlets. Some women say they’ve been forced into giving up their faith and marrying Han Chinese men. They’re free to get pregnant in these marriages – with babies through whom their Muslim faith will not likely be passed on.

According to a report by Human Rights Watch, women say they have been raped repeatedly in prison and subject to genital torture with electric prods. Outside of prison, according to the rights group, Uyghur women’s reproduction is monitored by the local government. There are harsh punishments for unauthorized pregnancies, with violators being sent to reeducation camps. Unless removed by a state-approved medical practitioner, those who take out intrauterine devices – even for medical reasons – are subject to fines and imprisonment.

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