When Injury Strikes – Why Sports Insurance is a Must for the Amateur Athlete

When Injury Strikes Why Sports Insurance is a Must for the Amateur Athlete

What's the common denominator between the following activities: football, cricket, surfing, snowboarding, running, rugby and horse riding? Answer: injury. They're all activities practised with fanatic regularity by hundreds of thousands, if not millions, of UK citizens and they can be responsible for mild to serious bodily damage, time off work, crippling injury or even death. Sports insurance is the only way to properly protect against these unfortunate eventualities aiding in treatment costs, speeding up treatment times, and protecting amateur sports men and women from damages should they injure someone else.

It's a sad fact of modern life that a lot of stuff we used to do without thinking can't now be done at all without insurance. We all know that riding a horse is an intrinsically dangerous thing to do: in the old days, that just meant that if you did it, you shouldn't have been, and weren't, surprised when you fell off and broke your collar bone. Nowadays, you need sports insurance so that when you do fall off and break your collar bone, your treatment is paid for.

That's all well and good, up to a point after all, there's no real reason why a person shouldn't be prepared to pay something against the possibility (likelihood, actually statistically speaking) that they are going to get hurt and need treatment at some point in their sporting life. There's certainly every reason to ask people to pay premiums against the possibility that they will, at some point, cause harm to another person during the commission of their sporting activities that's particularly true in cases where the sport in question involves inherently dangerous equipment, like a surf board or pair of skis. What sports insurance does in these cases is function as a kind of public liability cover, which both protects the policy holder from serious suing, and ensures that members of the public are covered from any risk caused by the sports a person is involved in.

These are all benefits, or necessities, that have to do directly with injury or property damage, caused or suffered during the commission of a sporting activity: both to the participant and to bystanders. What about the financial effects of injury? Sports insurance covers specifically against loss of earnings due to a sports related injury. That's vital for most amateur sports men and women, who tend to indulge in their sport as a hobby or, at most, at a level whereby they still need a day job to pay the bills. Sport, done regularly, will result in an injury that requires at least a week or two away from work and it can result in injuries that take months to heal. Having proper sports cover means sports men and women can recuperate properly rather than rushing back to work and damaging themselves for good.

Sports insurance also allows enthusiasts to travel without having their cover compromised. Dangerous sports like surfing can nullify a normal travel policy with a dedicated sports policy covering against any sporting accident, the travel policy will still pay out for normal travel related mishaps.

Sport, by its very nature, is dangerous. That's half the point. In this world, in this day and this age, to do something dangerous without an insurance policy is daft. That's the price of peace of mind.

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