What Real Sports Insurance is all About
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Once you've understood that a sporting insurance policy is designed to protect sports people from the risks associated with their sport, your first surprise tends to come when you realise that it is not just sports players, goal keepers and centre forwards and so on, that have earning abilities associated with a sport. Your second surprise will probably come when you understand that sports insurance can often apply with special vehemence to amateurs.
Let us explain. If you earn money doing, say, a night shift in a factory, or by working as a milk man, then you have no provision in your sporting life to prop you up financially in case of injury. Sports insurance provides that lifeline. If, as an amateur, you get injured during the commission of your sport, your insurance policy will take care not just of the costs of hospitalisation and so on, but of your lost income.
Accident and health insurance is clearly an area where a regular involvement in sports can adversely affect your chances of getting "normal" cover. If you are a regular skier, say, on an amateur or professional basis, there is no way that your normal medical insurance is going to pay out when you break your leg. You need a specific sports insurance policy that takes your involvement in skiing into account while you are paying the premiums: and so does not exclude you from major expenses when you try to make a claim.
Where a successful sports person takes out normal insurance policies, similar cases can arise. Security against burglary and other wealth related incidents will not be taken into account on a normal home insurance policy, for example. So a successful sports player is required either to obtain a wealthy homes insurance policy �C or to talk to his or her sports insurance provider about expanding his or her cover to include the commission of thefts that may be related directly to his or her status as an active sports man or sports woman. Example: the whole of Britain knows you are off playing in the World Cup, and plenty of people round where you live know you have gone away. A normal insurance policy is not likely to pay out when you get burgled.
A bespoke sports insurance policy is the only way to make sure that you really are protected against the circumstances your sport can put you in. Don't wait until it is too late to get one.
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