Activity Adventure Insurance
Activity adventure days, weekends and holidays are fast becoming a regular feature for those seeking a little more excitement during their leisure time.
However, with the excitement comes a risk, not neccessariley from the activity, perhaps from someone else or even you being a little bit gung ho or over excited.
When holidaying in the UK, most people would not consider taking out holiday insurance, but with the increased risk in activity adventure it should be seriously considered.
When organising an activity adventure break, you should always carry out a risk assessment of your own, especially with outdoor pursuit and motorised activities.
1. Ask the activity provider if they have Public Liability Insurance.
2. Are instructors supervising the activity qualified. Instructors for under 17 year olds for outdoor pursuits require additional qualifications and the centre be ARLA Licensed.
3. Have they carried out a Risk Assessment on the activity?
4. How old is the equipment being used.
Activity adventure insurance is like anyother holiday insurance. It will cover you for cancellation of your holiday, loss of baggage and valuables, broken bones and injury. Like all other insurance policies there is an excess.
Because of the huge range of activities and the different variations of some activities (ie competitive racing is disallowed for most motorsports activities) it is definately wise to read the small print or discuss the policy with your broker.
Otherwise you could purchase a policy which does not cover the activity you are participating.
Some activity centres will provide activity adventure insurance as part of the package. Independent Brokers include Endsleigh Insurance who offer two levels of policy depending upon the activity you are participating. Please be sure to confirm this prior to purchase any policy.
Endsleigh Insurance link http://www.endsleigh.co.uk/web/policies/travel/activity/index.html
This articule was written by Cinnamon active.
Cinnamon active are a specialist organiser of activity adventure events.
For more information
Tel: 00 44 (0) 208 979 0331
www.cinnamon-active.com
However, with the excitement comes a risk, not neccessariley from the activity, perhaps from someone else or even you being a little bit gung ho or over excited.
When holidaying in the UK, most people would not consider taking out holiday insurance, but with the increased risk in activity adventure it should be seriously considered.
When organising an activity adventure break, you should always carry out a risk assessment of your own, especially with outdoor pursuit and motorised activities.
1. Ask the activity provider if they have Public Liability Insurance.
2. Are instructors supervising the activity qualified. Instructors for under 17 year olds for outdoor pursuits require additional qualifications and the centre be ARLA Licensed.
3. Have they carried out a Risk Assessment on the activity?
4. How old is the equipment being used.
Activity adventure insurance is like anyother holiday insurance. It will cover you for cancellation of your holiday, loss of baggage and valuables, broken bones and injury. Like all other insurance policies there is an excess.
Because of the huge range of activities and the different variations of some activities (ie competitive racing is disallowed for most motorsports activities) it is definately wise to read the small print or discuss the policy with your broker.
Otherwise you could purchase a policy which does not cover the activity you are participating.
Some activity centres will provide activity adventure insurance as part of the package. Independent Brokers include Endsleigh Insurance who offer two levels of policy depending upon the activity you are participating. Please be sure to confirm this prior to purchase any policy.
Endsleigh Insurance link http://www.endsleigh.co.uk/web/policies/travel/activity/index.html
This articule was written by Cinnamon active.
Cinnamon active are a specialist organiser of activity adventure events.
For more information
Tel: 00 44 (0) 208 979 0331
www.cinnamon-active.com
posted by Cinnamon Active at 22:43
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