QUESTION: Insurance: how to add active recreation to the policy?

Planning active recreation and extreme sports requires mandatory inclusion of corresponding changes in the basic insurance contract. A standard policy rarely covers risks associated with downhill skiing, diving, surfing, or renting a motorcycle, so expanding coverage is a vital necessity for adventure enthusiasts.

When drawing up a travel itinerary and calculating activities, it is useful to follow the proven seventy-thirty rule. The essence of this method is that seventy percent of your schedule and route are clearly fixed and planned in advance, including all extreme entertainment and booked excursions.

The remaining thirty percent of the time is recommended to be left for spontaneity, resting from overloads, and improvising depending on your well-being and the weather. This allows you to maintain a balance between safety and freedom of movement, avoiding excessive fatigue and the risk of injury due to overexertion.

To add active recreation to the policy, contact the insurance company before the trip and choose a special sports coefficient. Always make sure that the policy clearly specifies the exact sports you plan to engage in, as a mismatch in wording can become a reason for refusing to pay compensation.