Please read the following information about MetLife Sports Coverage before proceeding. For full details please see the policy Terms and Conditions when you get your quotes.
Which sports are covered?
All main non professional sports such as Rugby, Football, Hockey, Cycling, American Football, Athletics, Martial Arts and Cricket are fully covered. MetLife also cover the following extreme sports as long as the activity is not being undertaken as a professional sport: bungee jumping, skydiving, mixed martial arts, karate, kite surfing, scuba diving, white collar boxing and cage fighting.
Some activities are not covered such as:
- Participation in a contest of speed*
- Mountaineering
- Outdoor cliff or rock climbing
- Potholing or professional sport
- Aerial flights
- Wingsuiting
- Paragliding
- Professional sports people
Anyone is free to take part in these activities, however, if bodily injury results from an accident while the policyholder is doing one of these activities, no claim will be paid.
*What is a contest of speed?
A contest of speed is 'taking part in sprints, racing, speed or time trials involving the following: any type of car or truck, any type of motorcycle or motorised bike including a quad bike, any motor or wind powered boat including a jet ski or a horse (other than for dressage, show jumping and cross country)'. So this means for example, motor racing, motorbike racing, motorised bicycle racing, sidecar racing, rallying, scrambling, speedway, powerboat racing, horse racing, point to point, pony and trap racing, horse carriage racing and time trials are all excluded. Dressage, show jumping and cross county are not regarded as contests of speed, neither are cycling, rowing or running events and so are all covered.
How do you define professional sport?
MetLife define professional sport as 'competitive sport undertaken on a professional, not amateur, basis as a main occupation and/or income'. So if a claim is made and the circumstances show that the individual was being paid to play sport they will need to ask further questions. MetLife will ask questions about any other occupations they have as well as the amount they are paid from all sources.
