Sports equipment can be covered during your trip, provided the sport or activity itself is covered by your policy.
The policy defines sports equipment as items that are usually worn, carried, used or held while taking part in a recognised sport.
Yes.
There is no cover for sports equipment if your policy does not cover you to take part in the sport or activity it is being used for.
For example:
Equipment used for an activity covered as standard may be eligible for cover.
Equipment used for an activity requiring an Activity Pack will only be eligible where you have the required additional cover.
Ski equipment is covered separately under Winter Sports.
Golf equipment is covered separately under Golf Cover.
You can check sports and activities cover online.
For eligible items covered under the Personal Belongings section, the policy provides the full replacement cost with no deduction for depreciation or wear and tear.
Any payment remains subject to:
The applicable baggage benefit limit.
The single article limit.
The circumstances of the loss, theft or damage.
The policy conditions and exclusions.
Any applicable excess.
If your equipment is lost, stolen or damaged while in the care of an airline, you must:
Report it to the airline within the time limit in their terms and conditions.
Obtain a Property Irregularity Report (PIR).
Keep any baggage tags, travel documents and supporting evidence.
Keep evidence of ownership or purchase for the equipment.
If the equipment is in the care of another carrier, transport company, authority, hotel or accommodation provider, you must report the incident and obtain a written record.
You must report theft to the police in the country where it happened as soon as possible and obtain a:
Crime reference number; or
Police incident report.
You will also need appropriate evidence to support your claim.
Sports equipment left in an unattended vehicle is only covered where it is:
Locked out of sight in a secure baggage area; and
The vehicle or storage area has been entered by unauthorised access.
A secure baggage area can include a locked:
Boot.
Luggage compartment.
Dashboard compartment.
Fixed storage unit in a motorised or towed caravan.
Luggage box locked to a roof rack.
Not under the standard Personal Belongings section.
Ski equipment is covered under Section 7 – Winter Sports where you have purchased the Winter Sports upgrade and it is shown on your policy schedule.
This can include eligible:
Skis and bindings.
Ski boots.
Ski poles.
Snowboards.
Winter Sports cover can also provide a benefit towards emergency replacement hire if your own ski equipment is:
Lost.
Stolen.
Damaged.
Temporarily lost in transit for more than 24 hours.
Golf equipment is covered separately under Section 9 – Golf Cover where you have purchased the optional Golf Cover upgrade.
Golf equipment includes:
Golf clubs.
Golf balls.
Golf bag.
Golf shoes.
A non-motorised golf trolley.
Golf Cover can also provide a benefit towards emergency replacement hire if your own golf equipment is:
Lost.
Stolen.
Damaged.
Temporarily lost in transit for more than 24 hours.
The policy does not specifically set out a separate baggage rule for bicycles, e-bikes or e-scooters.
Cycling itself may be a covered activity subject to the relevant sports and activities conditions, but that does not automatically confirm that every bicycle, e-bike or e-scooter is covered as sports equipment in every circumstance.
If you are travelling with a bicycle or similar high-value item, contact CoverForYou before travelling to confirm how the equipment is treated and what limits apply.
Important: All cover is subject to the policy terms, conditions, exclusions, cover limits and any applicable excess.
