Rhys Jones, Travel Insurance Spokesperson at Go.Compare, comments on the activities travel insurance policies commonly do not cover, and the need for holidaymakers to check their policies

New research from Go.Compare has found that travel insurance policies can vary widely in terms of the sports and activities they cover - with some insurers offering more extensive cover, others giving the option to add cover for additional fees, and some not covering specific activities at all.

The comparison site reviewed 892 travel insurance policies* and found that only 3% of single-trip policies cover quad biking as standard, and only a fifth (21%) automatically cover white water rafting. Even seemingly lower risk activities weren’t covered as standard in some single-trip policies. For example three out of ten policies (30%) do not cover horse riding as standard and nearly two in ten (19%) do not cover hot air balloon rides as standard.

Rhys Jones, Go.Compare Travel Insurance Spokesperson, commented:

We always recommend checking the specifics of your travel policy before you embark on your trip and planning accordingly, because even if you think your planned activities are low risk, there’s a chance your insurer might think differently.

Travel insurance can protect you from a wide range of mishaps and unfortunate events, such as cancelled trips, medical costs and lost baggage. However, the research shows there are some risks that aren’t covered as standard, so it’s vital you make sure you have the protection you need in case you need to make a claim. If your standard policy doesn’t quite cut it, remember you may be able to purchase add-ons to cover specific activities you have planned.

As well as certain activities possibly being outside your travel insurance, it’s worth noting your insurer could have further exclusions too. For instance, some travel policies will have an age cap on certain activities, and others might exclude professional or competition-level sports. Additionally, it’s likely your policy will require you to wear appropriate safety gear, be free from alcohol and other substances, and avoid any reckless behaviour. So, always read your policy documents carefully so you know the limits and rules before you travel.

Full press release: Quad do you mean I’m not covered? These travel activities could be excluded from your insurance

✉️ Rubie Barker, Front Door Communications, rubie@fdcomms.co.uk