FAQs

General Questions and Answers

The following questions and answers are general to both our insurance products. You can also view specific VentureGuard FAQs and specific SportsGuard FAQs.


Additional Financial Protection Units
Q: I would like to top up the cover, can I do this ?
A: Yes, you can increase your cover by buying additional financial protection units to increase your levels of cover; for loss of earnings. Each additional top up unit increases the benefit by £50 per week. Up to 10 additional 'top up' units can be purchased.
 

Age
Q: Can you provide cover for children ?
A: Yes, Sportsguard can cover anyone upto the age of 69 although children pay the same rate as adults.
 
Q: I am 65. Can I still buy a Sportsguard policy ?
A: Yes, Sportsguard can cover anyone up to the age of 69. An applicant over 70 cannot be covered.
 

Children
Q: Can you provide cover for children ?
A: Yes the sportsguard policy does cover children but they pay the full adult standard premium.
 

Duration
Q: I want to take out accident cover for 6 months. Is this possible ?
A: No, the policy is an annual policy but is also available for one specific day or several consecutive days. Once the policy has commenced and the cooling off period has expired, we cannot refund any premium if the insured terminates or attempts to terminate the insurance.
 

Groups
Q: Do I get a discount for a group booking ?
A: Yes we offer a 5% discount for parties of 5 or more and a 10% discount for parties of 10 or more.
 

PLEASE NOTE
Q: Will SportsGuard cover me abroad?
A: Whilst SportsGuard is valid worldwide, it is not designed to replace travel insurance, it is for personal accident (death/disability cover) and liability. This means if you are injured whilst abroad, it will cover you for temporary or permanent disability, personal liability and any extras you have decided to include in the cover (like loss of earnings, etc). When abroad no medical fees or repatriation costs are covered. Please use VentureGuard for all travel purposes, unless you already have a fully comprehensive travel insurance that will cover you for the sport/activity you plan to participate in. VentureGuard however can provide full travel cover tailored to the sport you plan to do!
 

Postponement
Q: If I took out one day Sportsguard cover for a specific event and the event was cancelled due to poor weather conditions, would the cover be transferable ?
A: Yes, we allow one postponement, provided that we have confirmation from the activity centre that you undertook the activity with.
 

Refund
Q: What if I change my mind after I purchase ?
A: If the Sportsguard policy does not meet your needs, Sportscover Direct will refund your premium provided that you have not used the policy, have not made a claim and that you advise us within 14 days.
 

Residency
Q: I am moving out of the UK, will my SportsGuard policy still be valid?
A: Yes, your policy remains valid until its natural expiry date. However, you will not be able tp purchase another policy once you are no longer a UK resident.
 

Sports Definitions
Q: What is the difference in definition between Rock Climbing and Mountaineering ?
A: Mountaineering would be defined as involving multipitch climbing, often staying out overnight and more than an hour from the nearest rescue centre.
 

Sports groups
Q: I cannot see my sport listed in any of the groups, can you still cover me ?
A: We aim to cover all non motorised sports. If your sport is not listed then please contact us and we will do our best to see if we can cover you.
 
Q: What happens if I need insurance for two different sports groups ?
A: Simply take out a policy for the sport in the higher group and you will be covered for all sports in that and lower groups.
 

Worldwide
Q: Is Sportsguard a worldwide cover ?
A: Yes it is valid worldwide but it is not a travel cover and has very limited cover for medical fees and no repatriation cover. Sportscover Direct offers the VentureGuard policy for holiday and travel cover.