Travel Insurance

Q. Do I need to have a travel insurance policy for my trip?

A. Yes, the Activity Top Up is for those that have travel insurance for their trip but wish to cover a sport(s) which is not covered by that travel insurance.

Q. Does the travel insurance need to be from DareDirect?

A. No, however you will be asked for details of your travel insurer as we can only offer Activity Top Up once a travel insurance is in place.

Card

Q. Do I need to carry my policy and card details with me when travelling?

A. To use the 24 hour emergency assistance, all you need is the 24 hour medical emergency number. Although you do not need to carry your card and schedule with you for it to be valid, some foreign medical providers may wish to see evidence of your cover.

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.

Holiday

Q. Will my animal be covered by my insurance on holiday?

A. No it won't. But you might like to try www.morethan.com or www.petplan.co.uk for a quote.

Partner

Q. How do you define a partner?

A. A partner is considered the spouse / common law partner / girlfriend / boyfriend of the insured and must be under 65 at the date of purchase.

Pregnancy

Q. I am pregnant, can you still cover me?

A. We can cover you provided that you are not expecting to give birth within 2 months of return from the trip and you will not be travelling against medical advice.

Refund

Q. If I am injured on a skiing trip, will I be repatriated?

A. You should contact the claims help line if repatriation is required and they will assess the situation with you or your representative.

Repatriation

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 (0845 120 6410) and we will do our best to see if we can cover you.

Residency

Q. I am a British citizen but reside abroad, can I still get cover from you?

A. We only cover persons who are resident in the UK (or at valid BFPO addresses) from where journeys must start and end.

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.

Winter sports

Q. I am hoping to work in the Alps for the season, can you cover me?

A. No we can only cover up to 21 days for a single trip for winter sports and up to 31 days for an annual policy.