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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:
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
without air tanks
|High Diving (amateur excludes cliff diving)|
|Beach Games||Scuba Diving
depth of 30m
depth of 50m
(including whitewater canoeing)
grade 1 - 3, rivers only
|Black Water Rafting
as an organised activity
grades 1- 3 only
within territorial waters
|Deep Sea Fishing|
if qualified or as part
of an organised activity
in territorial waters only
|Stand Up Paddle Board|
Explore the beautiful waters of 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||£600||reduced by 50%||Excluded|
|Sports Grade 4||£600||reduced 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 can customise your policy further with pre-existing medical condition cover, sports and a number of other specialist add-ons.
If you have a pre-existing medical condition its vital that you declare it or you could invalidate your entire policy. Insurers dont like to think that youve 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. Whats more, you even have the option to declare a condition but then exclude it from your policy. What this means is that youve told your insurer about your condition but decided not to cover it, so you will be covered medically for anything unrelated to that condition.
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.
Adding Winter Sports cover to your Single, Annual or Backpacker insurance policy allows you to take part in over 25 winter sports, as well as providing:
Medical Cover: you will be covered for emergency medical expenses that occur should you have an accident and require medical attention including cover for mountain rescue, helicopter rescue costs and repatriation
Equipment: Winter Sports cover also provides peace of mind against any theft, loss or damage to your personal or hired equipment as well as any pre-paid fees.winter sports cover →
Regardless of your handicap, cover for your golf equipment and pre-paid green fees can be added to your policy giving you nothing else to work on except your game.
Simply add extra golf protection to your Single, Annual Multi or Backpacker Trip policy to add extra protection for:
Self employed or working for a company, if you travel for work you can add extra protection against accidental loss, theft or damage to your business equipment to your Single, Annual Multi or Backpacker Trip policies.
Business cover protects equipment such as cameras, mobiles, laptops that you may need to work or have with you in meetings.business trip insurance →
Sail the seas worry-free by adding extra cover for missed port, cabin confinement and unused excursions to any of our Single, Annual Multi or Backpacker Trip travel insurance policies.
Cruise cover will add extra protection for:
If you're planning on tying the knot abroad, extra cover for accidental loss, theft or damage to your wedding clothes, rings, gifts and photos can be added to your Single, Annual Multi or Backpacker Trip policy, to help ensure that your special day is everything its meant to be.
Should you need to claim on your travel insurance an Excess is the amount that you'll have to pay before we pick up the rest of the bill.
Avoid paying any excesses by adding the Excess Waiver option to your Single, Annual Multi or Backpacker Trip policy.find out more →
Essential Travel is a trading name of Holiday Extras Cover Ltd. Holiday Extras Cover Ltd is authorised and regulated by the Financial Conduct Authority and is registered in England and Wales. Registered address: Ashford Road, Newingreen, Kent CT21 4JF. Company number 05058680.
Holiday Extras Cover Ltd is underwritten by Travel Insurance Facilities plc which is authorised and regulated by the Financial Conduct Authority. Registered address 2nd Floor, 1 Tower View, Kings Hill, West Malling, Kent. ME19 4UY. Company number 03220410.