Travel Insurance for High Risk activities
Overview
Normal travel insurance will cover a range of activities, some potentially hazardous, some less so. It is important to realise that many, relatively innocuous activities may not be covered under a standard travel insurance policy and it would be unfortunate that medical expenses, liability, search and rescue costs would have to be paid for by the traveller.
Generally, if cover over and above the normal is required, the attitude of B Portwood & Co Ltd is to offer a specific high-risk adventure product provided by PJ Hayman. This is available for UK residents up to 69 who need cover for up to 6 months (3 months for the over 60). An annual policy is available for up to 60 days. Cover can be arranged whilst abroad and for one-off events e.g. if the activity is only happening on five successive days of a four week holiday then only that five day period need to be covered - not the whole period where the activity doesn't happen.
Standard benefits
The standard travel insurance policy covers the following benefits. This can be taken as a top-up - no other travel insurance need be purchased.
| Benefit | Sum Insured |
| Medical & Emergency Expenses (Outside of home Country) Dental Treatment Burial Costs/ Return of Body |
£10,000,000 £200 £3,500 |
| Hospital Inconvenience Benefit | £20 per 24 hrs max £400 |
| Search and Rescue | £50,000 (£10,000 in home country) |
| Personal Accident | Maximum £10,000 (can be increased) |
| Personal Liability | £2,000,000 |
| Activity equipment (basic) Single article Limit |
£1,000 (can be increased) £400 (can be increased) |
| Delayed Activity equipment | £200 (over 24 hours) |
| Hired Activity equipment | £200 |
| Legal expenses | £25,000 |
Cover for personal effects/ money/ passport, cancellation and unexpected events can be added for a small additional cost (Section B) if cover is needed for more than one day. Additional personal accident benefits and cancellation costs can be covered if we are contacted.
See the Key Facts and Policy Wording
Activities that can be covered
The following is a list. Some activities can be covered on referral, some can't. Selecting one category covers all activities in the same or lower category. Click the activity for the premium list. We suggest using the search facility <ctrl +f> to find the specific activity. Many (but by no means all) travel insurance policies will cover some activities in categories 1 and 2.
| Category 1 | Category 2 | Category 3 | Category 4 | Refer | Decline |
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Rates
Rates include insurance premium tax but no extra benefits. We recommend you contact us to confirm premiums etc. In any case the application must be made by calling our office during normal working hours (01207 509446)
Category 1
| Period | UK | Europe | Worldwide X | USA/ Canada/ Caribbean |
| 1-off | £6.60 | £14.70 | £21.40 | £37.20 |
| 5 days | £8.80 | £22.50 | £38.30 | £67.60 |
| 9 days | £9.90 | £28.10 | £38.30 | £67.60 |
| 17 days | £14.30 | £35.00 | £48.40 | £80.00 |
| 24 days | £37.20 | £56.40 | £94.60 | |
| 31 days | £43.90 | £68.70 | £105.90 | |
| Extra week | £7.80 | £15.80 | £29.30 | |
| Part B Single | £6.10 | £12.30 | £24.50 | £29.60 |
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| Annual | £65.10 | £99.20 | £147.60 | £209.60 |
| Part B Annual | £15.30 | £35.70 | £70.50 | £87.80 |
Double rates Apply for people aged 60 -69 (other than part B). Accompanied Children under 18 half price.
Category 2
| Period | UK | Europe | Worldwide X | USA/ Canada/ Caribbean |
| 1-off | £8.60 | £19.10 | £27.80 | £48.40 |
| 5 days | £11.40 | £29.30 | £49.80 | £87.90 |
| 9 days | £12.90 | £36.50 | £49.80 | £87.90 |
| 17 days | £18.60 | £45.50 | £62.90 | £104.00 |
| 24 days | £48.40 | £73.30 | £123.00 | |
| 31 days | £57.10 | £89.30 | £137.70 | |
| Extra week | £10.10 | £20.50 | £38.10 | |
| Part B Single | £6.10 | £12.30 | £24.50 | £29.60 |
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| Annual | £84.60 | £129.00 | £191.90 | £272.50 |
| Part B Annual | £15.30 | £35.70 | £70.50 | £87.80 |
Double rates Apply for people aged 60 -69 (other than part B). Accompanied Children under 18 half price.
Category 3
| Period | UK | Europe | Worldwide X | USA/ Canada/ Caribbean |
| 1-off | £10.60 | £29.40 | £34.20 | £59.50 |
| 5 days | £14.10 | £45.00 | £61.30 | £108.20 |
| 9 days | £15.80 | £56.20 | £61.30 | £108.20 |
| 17 days | £22.90 | £70.00 | £77.40 | £128.00 |
| 24 days | £74.40 | £90.20 | £151.40 | |
| 31 days | £87.80 | £109.90 | £169.40 | |
| Extra week | £15.60 | £25.30 | £46.90 | |
| Part B Single | £6.10 | £12.30 | £24.50 | £29.60 |
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| Annual | £104.20 | £198.40 | £236.20 | £335.40 |
| Part B Annual | £15.30 | £35.70 | £70.50 | £87.80 |
Double rates Apply for people aged 60 -69 (other than part B). Accompanied Children under 18 half price.
Category 4
| Period | UK | Europe | Worldwide X | USA/ Canada/ Caribbean |
| 1-off | £13.20 | £29.40 | £42.80 | £74.40 |
| 5 days | £17.60 | £45.00 | £76.60 | £135.20 |
| 9 days | £19.80 | £56.20 | £76.60 | £135.20 |
| 17 days | £28.60 | £70.00 | £96.80 | £160.00 |
| 24 days | £74.40 | £112.80 | £189.20 | |
| 31 days | £87.80 | £137.40 | £211.80 | |
| Extra week | £15.60 | £31.60 | £58.60 | |
| Part B Single | £6.10 | £12.30 | £24.50 | £29.60 |
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| Annual | £130.20 | £198.40 | £295.20 | £419.20 |
| Part B Annual | £15.30 | £35.70 | £70.50 | £87.80 |
Double rates Apply for people aged 60 -69 (other than part B). Accompanied Children under 18 half price.
About Us
We are brokers in North East England and have three offices - at Gateshead, Bishop Auckland and at Consett - where enquiries about this product will be sent and who specialise if all forms of travel insurance. Our aim is to offer the best advise on any matter, help the customers should they need it, always put them first and treat them fairly.
If you need more information on insurance g please call the Consett office (01207 509446). It is open 9.00am to 5.00pm Monday to Friday and Saturday morning. (We open at 10.00am on Tuesday for training). To take out this special activities policy call us during normal office hours.
