Sports and recreational insurance
Sports and Recreational Insurance provides protection to all those who are particularly vulnerable to injuries related to professional sport practice or extreme sport. Policy for sportsmen can be sold individually or in the form of a group insurance (teams, sports associations).
- If you play extreme sports or professional sport, you should buy an extra insurance
- Amateur sport is often insured within a standard travel insurance policy
- The contract for professionals can also be bought by sports associations or companies organizing the game
The majority of insurers provide insurance for sportsmen. Before you decide which product to choose, trace the insurance contract carefully. The product you choose should be matched precisely to the kind of sport you play or the kind of extreme sports you are going to practice on holidays. Therefore let us trace carefully the company’s scope of responsibility and their specific products. Let us also note the insurance’s maximum amount.
- Check if your policy covers your medical treatment caused by practicing your favorite sports
- There is an insurance sum stated in the contract. Check what amount you can expect in case of an injury
The customer decides about the duration of insurance period.
If, for example, you are going on a two-week holiday, where you are going to play extreme sports, settle a contract only for those two weeks. In that case the premium is paid once. If you play dangerous sports every day - settle a contract for a longer period. If, during the insurance contract, some circumstances occur which may affect the likelihood of damage, you should notify the insurer.
- Full flexibility with regard to the duration of the policy. We can settle a contract either for a week or for a year
- Sports associations may settle a contract just for the duration of league
If an injury happens, we should notify the insurance company as soon as possible. Read carefully the insurance contract in order to see how soon the injury must be reported to the insurer and for what damages the insurer is liable. In case of your injury, the responsibility does not necessarily end with only a single payment of compensation. In advanced products for sportsmen, the insurer may also cover expenses of medical treatment, rehabilitation and compensation for damaged sports equipment.
- In case of an injury you should notify the insurer as soon as possible
- The insurer will calculate the value of the injury and on that basis the compensation will be paid