A lot of parents hate it when their children go on extreme sporting holidays because if something goes wrong, they wrongly assume that they aren't covered by their insurance.
In reality, if a holidaymaker is going on a sporting holiday, they can buy insurance where they are covered for accidents, but the insurance policy is usually from a specialist company.
If they were to take regular insurance, then they would not be covered because regular travel insurance states that they should not putting themselves in harms way.
This means no:
Bank Some people will have their travel insurance with their bank bill and they will think that they are covered for everything.
However, this is not the case at all.
Bank travel insurance will not automatically cover everything.
But, if a person wants to be covered, they can phone the insurance company and ask them if they can add to their policy.
This will mean an extra charge, but it is a lot cheaper than paying for medical bills in a foreign country.
Claims If a traveller has an accident when they are on holiday and it is because of an extreme sport or ride, they can still make a claim for compensation.
The person will have to show that their injury is due to negligence.
Furthermore, they can make a claim for compensation even if they have no insurance, especially if it is due to any wrong doing by the company that ran the sport or ride.
Compensation Company If you have had an accident when you have been abroad, you will have to find a company that will take your case to court for you and then fight so that you can be compensated.
You might find that if you ask a regular no-win no-fee company, then they might turn you away, especially if they think that you don't have enough evidence for a successful claim.
Therefore, once the injury occurs, you will have to start collecting evidence.
You have to take pictures, samples and evidence statements.
If you are not well enough to collect the evidence, then you will have to ask a friend to do it for you.
If the accident or illness is serious, the local authorities might be doing the investigating and you will need to make sure that they give you copies of all of their reports.
You will also have to get copies of your medical file if you go to hospital.
A hospital report, with a diagnosis, is a lot better evidence that if you went to court and it was your word against theirs.
Conclusion If you experience pain suffering or loss of money, and it wasn't your fault, you can claim for compensation whether you are covered by your travel insurance or not.
You might have to pay for your medical expenses because you don't have insurance, but this does not mean that you are not eligible for compensation.
You should not put up with having something done to you and then not claiming.
Even if one legal team tells you that you don't have a case, there is always a better team that will take the claim to court for you.
In reality, if a holidaymaker is going on a sporting holiday, they can buy insurance where they are covered for accidents, but the insurance policy is usually from a specialist company.
If they were to take regular insurance, then they would not be covered because regular travel insurance states that they should not putting themselves in harms way.
This means no:
- Extreme sports
- No riding extreme rides like the human catapult
- No taking part in other extreme activities
Bank Some people will have their travel insurance with their bank bill and they will think that they are covered for everything.
However, this is not the case at all.
Bank travel insurance will not automatically cover everything.
But, if a person wants to be covered, they can phone the insurance company and ask them if they can add to their policy.
This will mean an extra charge, but it is a lot cheaper than paying for medical bills in a foreign country.
Claims If a traveller has an accident when they are on holiday and it is because of an extreme sport or ride, they can still make a claim for compensation.
The person will have to show that their injury is due to negligence.
Furthermore, they can make a claim for compensation even if they have no insurance, especially if it is due to any wrong doing by the company that ran the sport or ride.
Compensation Company If you have had an accident when you have been abroad, you will have to find a company that will take your case to court for you and then fight so that you can be compensated.
You might find that if you ask a regular no-win no-fee company, then they might turn you away, especially if they think that you don't have enough evidence for a successful claim.
Therefore, once the injury occurs, you will have to start collecting evidence.
You have to take pictures, samples and evidence statements.
If you are not well enough to collect the evidence, then you will have to ask a friend to do it for you.
If the accident or illness is serious, the local authorities might be doing the investigating and you will need to make sure that they give you copies of all of their reports.
You will also have to get copies of your medical file if you go to hospital.
A hospital report, with a diagnosis, is a lot better evidence that if you went to court and it was your word against theirs.
Conclusion If you experience pain suffering or loss of money, and it wasn't your fault, you can claim for compensation whether you are covered by your travel insurance or not.
You might have to pay for your medical expenses because you don't have insurance, but this does not mean that you are not eligible for compensation.
You should not put up with having something done to you and then not claiming.
Even if one legal team tells you that you don't have a case, there is always a better team that will take the claim to court for you.