What is hazard insurance in travel insurance?

Hazard travel insurance cover is an optional add-on that protects you if you’re planning on taking part in any higher-risk or extreme activities on holiday.

Many lower-risk activities - like swimming, cycling, running, or kayaking – are usually covered in a standard travel insurance policy. However, more hazardous sports such as skydiving, bungee jumping, canyoning, shark diving, and paragliding typically aren’t included in a standard policy.

Without hazard cover, you may not be insured for injuries or accidents that happen during these kinds of activities.

With Asda Money, you can easily add hazard cover to your single trip or annual multi-trip travel insurance for extra peace of mind.

What does extreme sports or hazardous travel insurance cover?

Extreme sports or hazardous travel insurance cover typically protects you for the following:

• Medical bills or treatment: If you get injured participating in a sport covered by the policy.
  
  
• Repatriation: The cost to get you home if medically necessary, following a sporting injury.
  
  
• Cancellation: Compensation if you have to cancel or cut short your holiday following a medical injury.
  
  
• Sports equipment cover: Cover for equipment if it gets lost, damaged or stolen.
  
  
• Third party liability: Cover if you injure someone or damage their property and face a compensation claim.

Which hazardous sports are included as standard in Asda Money travel insurance?

When you buy travel insurance through Asda Money, some sports are included as standard, such as:

• Martial arts (training only)
• Mountain biking (including downhill and extreme ground conditions)
• Rugby
• Sea canoeing
• Sea kayaking
• Zorbing

Check your policy document for a full list.

Which hazardous sports need extreme sports travel insurance?

You’ll need an optional add-on to cover the following extreme sports and hazardous activities:

• American football
• Canyoning
• Canyon swinging
• Fencing
• Gliding
• Gorge swinging
• Mountain boarding
• Parachuting
• Paragliding
• Parasailing
• Quad biking
• Rock climbing
• Shark diving
• Sky diving

How much does hazardous activities insurance cost?

Hazardous activities insurance is an optional add-on to your travel insurance and can increase the cost of your policy.

The amount you pay will depend on things like the activity you’re doing – certain activities like sky diving and canyoning - may increase the cost of your travel insurance more than other activities, like quad biking.

Some activities have a higher excess too, which is the amount you need to pay first before you make a claim. As an example, mountain boarding may have a higher excess than American football.

Other factors will also influence the cost of your travel insurance, including:

• The policy you choose: Opting for single trip travel insurance might be a cheaper option if you’re only travelling once a year. But if you’re taking three or more trips in the same year, you may find that annual multi-trip is a more cost-effective choice.
  
  
• Your age: As we get older, the risk of needing medical treatment while travelling can increase, which may affect the cost of your travel insurance.
  
  
• Where you’re travelling to: Medical costs in places like America, the Caribbean and Mexico can be much more expensive than Europe for example. If you’re planning on travelling to these places, you’ll need worldwide cover that’s specific to these countries. This can often be more expensive.
  
  
• Pre-existing medical conditions: If you already have medical conditions that may require treatment abroad, this will usually increase the cost of your travel insurance.