Coronavirus help and support for our insurance customers


Sports Travel Insurance

Our sports travel product is currently unavailable. We apologise for any inconvenience.

  • If you’re an existing Towergate customer and need to make a claim, see the claims information below.
  • If you’re an existing Towergate customer and have a query, please email travelenquiries@towergate.co.uk and we’ll get back to you.

Sports Travel Insurance Claims

Claims for our sports travel insurance are handled by the insurer, Millstream Underwriting Limited. Therefore, claims will be processed by Millstream Underwriting Limited rather than Towergate Insurance.

A few keys things to bear in mind when making a claim on your sports travel insurance:

  • Claims must be submitted within 60 days of your return to the UK.

  • Original receipts and or proof of ownership and value must be provided for any items being claimed for.

  • Damaged items must be kept by you and if requested submitted to the Claims Handlers.

  • If any medical certificates, information, evidence and receipts, are required to support your claim, these must be obtained by you at your expense.

  • For further information on the claims process, please refer to page 35 of the policy wording.

Sports Travel Insurance FAQs

Will the E111 / EHIC health agreement still be valid after Brexit?

No. The UK’s reciprocal health agreements (E111 / EHIC) with the EU will come to an end on the 1/1/2021.

It is therefore vital when travelling within Europe you purchase adequate travel insurance, if you wish to be covered should you require medical treatment.

What are the details of the Money Advice Service’s customer contact centre for travel insurance queries?

If for some reason we are unable to find you affordable travel insurance for your medical conditions, the Money Advice Service has introduced a service to help you.

If you need to speak to the Money Advice Service regarding travel insurance you can contact them online, or by phone Monday to Friday, 8am to 6pm, on 0800 138 7777 or traveldirectory@maps.org.uk.

You can also see more information on OK to Travel.

Does your sport travel insurance cover me for coronavirus?

No, you will need a separate policy to cover you against this.

Does your sport travel insurance cover extreme sports?

Our insurance can cover a wide range of sports, from cycling to quad biking, but premiums will range according to the sports you need cover for. You will be able to find this out during the quotation process.

How much ski/snowboarding cover is included in this policy?

Our multi-trip policy can cover up to 17 days of cover for these activities per insurance year.

Does this insurance cover trips in the UK?

Our multi-trip sports travel policy can cover UK trips which are pre-booked in paid accommodation for one night or more.

What happens if I am delayed on holiday and my insurance policy expires during that time?

If your return is unavoidably delayed for an insured reason, cover can be extended free of charge for up to 30 days.

Can I cancel my policy?

You can cancel your policy within 14 days of receiving it, if you have not travelled, made a claim, or intend to make a claim.

If my holiday is cancelled, will this be covered?

If your holiday is cancelled due to reasons covered under your policy conditions, you may be able to make a claim. A number of covered reasons:

  • Injury, serious illness, death of yourself or anyone you were intending to stay or travel with, an immediate relative or close business associate
  • If you become pregnant after policy purchase or booking trip (whichever is later) and will be more than 26 weeks pregnant at the start of or during your trip. Or if a medical practitioner advises not to travel due to pregnancy complications.
  • If you are called to jury service, court as a witness (excluding expert witnesses), or redundancy.
  • If you are posted overseas or required for emergency or unavoidable duty and work in the: medical, nursing, armed forces, police, fire, or ambulance services.
  • If FCO or WHO advice prohibits all but essential travel.

Please check the policy wording for further details on holiday cancellation cover.

Will there be an excess to pay in the event of a claim?

Yes, the standard excess per claim is £150. Please note that a higher excess of £875 applies in respect of medical emergency repatriation by air ambulance or helicopter service in Nepal.

How much cancellation cover does your sports travel cover include?

Our sports travel insurance includes £2,500 cover for standard single and multi-trip policies and £5,000 cover for our 'Plus' policies.

Does your sports travel insurance cover golf holidays?

Yes, golf cover can be included in your policy as an add-on. This covers your golf equipment hire if your golf equipment is lost or delayed for at least 12 hours on your outward journey, as well as the value of the unused portion of your green fees if you have an accident, are ill, or your documents are lost or stolen which prevents you from playing golf.

Does this travel cover include car hire excess insurance waiver?

We do not include car hire excess cover as part of this policy. However, our sister company insurance4carhire offers single trip and annual car hire excess cover.