mountain biking in the UK

Adventure Sports Insurance: What You Need to Know

Adventure sports can be an adrenaline-rushing pastime, but with the thrill comes the risk of potential accidents or injuries. To mitigate these risks, getting adventure sports insurance is crucial. It covers a variety of adventure sports, from surfing to skydiving, and ensures you’re financially protected if things go awry. This article outlines the specific coverage provided by various British associations and essential tips for securing your equipment when travelling abroad.

What is public liability and why do you need to need to insure against it?

Public liability insurance is for the circumstance where you cause injury to others or damage property. The costs be in the millions if you cause permanent injury. In the UK, we are fortunate to have such strong sporting associations across most sports who have done all the leg work for us will cover us, for a small fee of course.

What about personal injury insurance?

While personal injury insurance is not legally required in the UK for participating in adventure sports, it is highly recommended. Adventure sports carry risk of injury, and the medical costs, loss of income, or rehabilitation costs can be substantial if you’re injured. Personal injury insurance can provide financial support in such situations. Personal injury is rarely covered by the association memberships so its well worth investing in before partaking in adventure sports. A notable exception here is Surfing England (see below).

I use Insure4Sport who are well priced and cover the full range of activites including the more extreme. It also doesn’t cost much more to add on more sports if you are like me and like to bit of everything.

1. Canoeing, Kayaking and Paddleboarding Insurance

Membership with British Canoeing includes third-party liability insurance of up to £10 million, as well as access to a variety of legal and safety advice. It’s important to note that this cover is for paddle sports only, including canoeing, kayaking, and stand-up paddleboarding. Public Liability cover is provided worldwide.

However, this insurance does not cover damage to your own equipment or personal accidents. Memberships range from £27 – £45 a year for adults.

2. Cycling Insurance

British Cycling membership includes third-party liability insurance (up to £20 million) and legal support, but it does not cover personal accident or loss of, or damage to, your bicycle or equipment. For personal accident and bicycle cover, you would need to take out additional insurance. Membership costs range from £26 – £78 per year for adults. Race Gold members get personal injury insurance included up to £25,000.

3. British Paragliding and Hang Gliding Association (BHPA):

BHPA membership includes third-party liability insurance of up to £5 million worldwide. However, it does not cover loss of, or damage to, equipment or personal accident. The cost of an annual membership is £148. As a BHPA member, I have found them to be great. The regular magazine also helps to feel part of community.

4. British Mountaineering Council (BMC):

The BMC offers a variety of membership benefits including civil liability insurance up to £10 million and access to personal accident insurance. However, this does not cover damage to your equipment or rescue costs. Annual membership costs £43.90 for individuals.

5. British Sub-Aqua Club (BSAC):

BSAC membership includes third-party liability insurance up to £10 million. However, this does not cover personal accident, loss of, or damage to equipment. Personal accident insurance can be added separately. Adult membership is £75.50 per year.

6. Surfing England:

Membership with Surfing England provides personal accident and third-party liability insurance for £5 million. It does not cover equipment. Costs of membership is £25 annually.

The personal accident policy provides limited benefits to individual surf members and
affiliated coaches for injuries that arise anywhere in the world. Recognised activities are:

  • Hand planing
  • Bodysurfing
  • Bellyboarding
  • Bodyboarding
  • Shortboard Surfing
  • Longboard Surfing
  • Stand up Paddleboarding (sea and freshwater)
  • Adaptive Surfing
surfing insurance while abroad

It’s important to note that while these memberships provide a level of insurance, they may not fully cover you in every situation. It’s advisable to consider additional insurance to cover personal accidents and equipment, especially when travelling abroad.

These insurances also do not substitute for good quality travel insurance when exploring aboard!

Image by si_kor

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Co-founder and Chief Adventurer

I am Max, the co-founder and CEO of adventuro. We are on a mission to help you get into the sports you have always wanted to try, or develop in the sports you love, exploring new skills and locations. We do this by partnering with the best instructors, guides, and activity centres to get a great spread from beginner all the way to instructor training.

For too long, it has been way to confusing to find your next steps, or even to know where to start when getting into adventure sports. I am an experienced and/or qualified paraglider, skydiver, scuba diver, freediver, power boat driver, snowboarder, kitesurfer, kayaker, mountain biker, surfer, dirt biker, wakeboarder, and sailor.

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