Yacht Insurance & Water Sports – are you insured?

With Europe experiencing some of the hottest temperatures on record, those on holiday can take the opportunity to cool off by participating in the wide range of water sports that are now on offer on many beaches across the world.

However, many holidaymakers do not realise that some travel insurance policies do not cover even some of the most popular water-based activities. And that is if they have bothered to take out insurance in the first place - as according to the Foreign and Commonwealth Office only one in seven travellers do.

Perry Wilson, from travel insurance specialist InsureandGo, says: It's all too tempting as the temperatures soar to take part in water sports such as water skiing or wind surfing but the reality is that should an accident occur the injured party could be looking at a bill that they will spend the rest of their lives paying off if their insurance is inadequate or if they are not insured at all.

"Our insurance covers over 40 activities automatically including jet skiing, scuba diving, snorkelling, surfing, water skiing, wind surfing, yachting, jet boating and kayaking. So we allow our customers to be safe in the knowledge that they can partake in lots of activities while they're on holiday and be adequately covered should the unexpected occur."

But because the cover is comprehensive doesn't mean it costs more! InsureandGo offers a range of high quality policies at prices that won't leave a huge dent in those holiday savings. Kids' under–18 are insured for free meaning great value for families. Consumers wanting more information can call 0844 888 2787 or visit www.travelinsurance.co.uk*

ENDS

InsureandGo Policy Prices
Couple/Family, Single Trip, two weeks: Europe - £29.18, Worldwide - £64.12
Couple/Family, annual (includes winter sports cover automatically): Europe - £65, Worldwide - £84.99
Policy prices as at 24.07.03

For further information or to interview Perry Wilson, please contact Stephanie Coulter on 01376 556 390 or email steph@insureandgo.com

*easy to remember link to InsureandGo's website - www.insureandgo.com

Full details of the activities InsureandGo can cover:
People are automatically covered by InsureandGo for the following amateur activities without paying any additional premium:
Archery, Badminton, Baseball, Basketball, 3 Bungee Jumps, Canoeing, Cricket, Cycling, Golf, Jogging, Marathons, Netball, Moutain Biking (excluding downhill racing and extreme terrain), Orienteering, Parascending (over water), Rambling, Roller Blading (Inline Skating / Skate Boarding), Running (both Sprint & Long Distance), Safari, Scuba Diving (qualified, max depth 30 metres) under 14 days, Sleigh Rides (as part of a Christmas Expericence trip toNorthern Europe), Snorkelling, Squash, Surfing, Swimming, Tennis, Trekking (under 2,000 metres altitude), Triathlons, Volleyball, Wake Boarding, Water Polo, Water Skiing, White/Black Water Rafting (Grades 1 - 4), Windsurfing and Yachting (both racing and crewing) inside territorial waters.

The following amateur activities are also automatically covered without paying any additional premium, but the policy excludes any cover under the Personal Accident and Personal Liability sections:
Abseiling, Boxing Training, Camel / Elephant Riding or Trekking, Clay Pidgeon Shooting, Conservation/Charity Work (educational /environmental - working with hand tools only), Cycle Touring, Passenger (in private/small aircraft or helicopter), Football, Go Karting, Hiking (over 2,000 metres, but under 6,000 metres altitude), Hockey, Horse Riding (no Polo, Hunting, Jumping), Hot-Air Ballooning, Jet boating, Jet Skiing, Kayaking, Kite Surfing (over water), Motorcycling (under 50cc) - no Racing, Quad biking, Sea kayaking, Trekking (over 2,000 metres, but under 6,000 metres altitude).

Furthermore, the following amateur activities can be covered by declaring to, and paying an ADDITIONAL premium to, the issuing agent, but the policy excludes any cover under the Personal Accident and Personal Liability sections: Flying (piloting private/small aircraft or helicopter), Manual Labour (at ground level, no machinery), Martial Arts (training only), Motorcycling (over 50cc) - no Racing), Mountain Biking - downhill racing and extreme terrain, Rugby, Scuba Diving (unqualified, max depth 30 metres) under 14 days, Scuba Diving (qualified, max depth 40 metres) over 14 days, Sea Canoeing, Snow Mobiling.

Furthermore, the following amateur activities can be covered by declaring to, and paying an ADDITIONAL premium to, the issuing agent, but the policy excludes any cover under the Personal Accident and Personal Liability sections and the excess under the Medical section of cover is increased to £200:
American Football, Assult Course Participation, Battle Re-enactment, Gliding, Kite Surfing (over land), Paragliding, Parachuting, Parascending (over land/snow), Sand Yachting, Shark Diving (inside cage), Sky Diving, White/Black Water Rafting (Grade 5 to 6), Yachting (racing or crewing) outside territorial waters.

Finally, the following amateur activities can be covered by declaring to, and paying an ADDITIONAL premium to, the issuing agent, but the policy excludes any cover under the Personal Accident and Personal Liability sections and the excess under the Medical section of cover is increased to £400:

Canyoning, George Walking, Hang-Gliding, High Diving, Horse Jumping (no Polo or Hunting), Micro Lighting, Parasailing, Rock Climbing (not Mountaineering), Rock Scrambling.

(Any activity not listed above (or any of the above sports on a professional basis) which could be considered a hazardous activity, sport, pastime or employment (involving an increased risk of injury), will NOT be covered under the policy UNLESS declared to, and accepted by, the issuing agent at the time of taking out the policy in return for additional premium and or changes in cover.)