If you’re heading to the beach you may see this fun-looking activity on offer, but tourists are being warned that taking part could invalidate your insurance – and other surprising things can also see your insurer refuse to pay out
Brits are being warned over this common beach activity(Image: Finnbarr Webster/Getty Images)
When you’re on a sunny holiday overseas, it’s likely you get more adventurous and trying some new activities or sports can look more appealing, especially after a few drinks.
But holidaymakers are being warned that taking part in a variety of activities can invalidate your travel insurance, meaning that an accident could leave you up to £80,000 out of pocket.
The travel insurance team at Quotezone.co.uk listed seven holiday activities that could interfere with your travel insurance coverage, and many of them are popular in holiday hotspots. According to its study, 36% would like to try an activity-filled holiday, and 35% said they can’t relax when they are just sunbathing, meaning lots of Brits would be tempted to try out one of these high-octane activities when bored.
Banana boats were among the activities that Quotezone cautioned Brits against. It said: “Whilst most standard travel insurance policies do include banana boats under general water sports, it’s important to do so safely. Not wearing a life jacket, being under the influence of alcohol, or going on a boat that isn’t run by a licensed operator could all result in a rejected claim should you get injured.”
Another thing to look out for on the beach is organised sports events. With the popularity of fitness breaks growing, many Brits now take part in organised sports activities as part of their holiday, but physical strain and injuries might not be covered under your travel insurance in these cases.
Water sports such as scuba diving and jet-skiing can also be risky and may need specialist cover. Some policies cover scuba activities, but only up to a certain depth, and if you don’t dive with a qualified instructor or neglect to follow local laws, you may not be covered in an accident.
Back on dry land, any activities with wheels can be a danger, from hiring a scooter or motorbike to go karting, especially if you don’t wear a helmet or follow local laws. Quad biking is another activity that’s rarely covered by standard insurance policies, but an accident can be extremely costly. A quad biking accident in Greece, for example, that includes surgery and medical repatriation could carry costs of over £80,000 for someone without adequate insurance.
Helen Rolph , travel insurance expert at Quotezone.co.uk said: “Many Brits don’t realise that popular holiday activities like jet-skiing or quad biking could leave them thousands of pounds out of pocket if they’re not properly insured.
“Even if coverage is in place, claims can still be rejected if local safety laws are broken, the holidaymakers don’t wear a helmet or are found to be under the influence of alcohol.
“When heading abroad, people often think activities like banana boating and go karting, popular with young travellers, stag and hen parties – are included as standard, but this is rarely the case and could leave thrill-seekers at risk.”
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