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Travel Insurance for Water Sports

Covered on Multiple Sports Grades
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  5. For UK and ROI residents only
  6. If you are aged 75 or over please visit our partner Vital Health

From only £12.06 per Week

  • Multi-Water-Sports Cover
  • Up to £10 Million Medical Cover
  • UK, Europe & Worldwide

From only £12.06 per Week

Travel Insurance for Water Sports

Receive comprehensive Water Sports travel insurance for a variety of activities. Our travel insurance policies have been specially designed to provide you with tailored sports cover. Simply request a Single Trip, Annual Multi Trip or Backpacker quote and choose the appropriate sports grade.

See the table below for a list of Grade 1 (low risk sports) covered at no extra charge, as well as the Grade 2 - 4 sports you can top up to cover (higher risk sports).

Your cover should remain valid as long as you:

  • Use the correct equipment and gear for your activity
  • Refrain from any reckless and irresponsible behaviour
  • Are not intoxicated

Which Water Sporting Activities Does Essential Travel Cover?

You can take part in a variety of different water sports and activities within your grade without having to take out an array of policies. Here is a list of some of the water sports we cover in their respective sports grades:

Sports Grade 1 Sports Grade 2 Sports Grade 3 Sports Grade 4
Banana Boat Rides Sea Canoeing / Kayaking
in territorial waters only
Spear Fishing
without air tanks
High Diving (amateur excludes cliff diving)
Beach Games Scuba Diving
depth of 30m
Scuba Diving
depth of 50m
(including whitewater canoeing)
grade 1 - 3, rivers only
Black Water Rafting
as an organised activity
grades 1- 3 only
Catamaran Sailing
within territorial waters
Deep Sea Fishing
Dingy Sailing
Jet Skiing
Kite Surfing
if qualified or as part
of an organised activity
in territorial waters only
Stand Up Paddle Board

Cover Levels Specific to your Sports Grade

Explore the beautiful waters at your destination in safety, by ensuring you know the cover levels and excesses for the relevant sports grade.

Sports Grade Medical Excess Personal Accident Limit Personal Liability
Sports Grade 1 £75 - £125 £7500 - £30,000 up to £2 million*
Sports Grade 2 £300 reduced by 50% Excluded
Sports Grade 3£600reduced by 50% Excluded
Sports Grade 4£600reduced by 50% Excluded

*Please note certain grade 1 sports exclude personal liability including catamaran sailing, dingy sailing, jet skiing, and yachting in territorial waters.

For more options, visit our sports insurance page to search for your desired water sport and find out which Sports Grade Cover you will need.

You may be interested in this magazine article..

Top 10 Beach Sports

Top 10 Beach Sports

No summer holiday at the beach is complete without water sports. From surfing to scuba diving, there are a variety of fun activities available, and to help you prepare, take a look at the top 10 beach sports. Read More

Add Extra Cover

You can customise your policy further with pre-existing medical condition cover, sports and a number of other specialist add-ons.

Do You Need to Declare a Medical Condition?

If you have a pre-existing medical condition it’s vital that you declare it or you could invalidate your entire policy. Insurers don’t like to think that you’ve hidden things from them and you may be surprised to find out that many common medical conditions such as allergies can be added without any additional cost. What’s more, you even have the option to declare a condition but then exclude it from your policy. What this means is that you’ve told your insurer about your condition but decided not to cover it, so you will be covered medically for anything unrelated to that condition.

Do You Need Extra Sports or Specialist Cover?

A decent policy will include cover for many sporty or adventure activities as standard. However the more adventurous or dangerous the activity, like winter sports, the more likely it is that you will need to purchase additional sports insurance. You can customise your policy further a number of other specialist add-ons.

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