Adventure and activities insurance
Extra cover for activities and sports not covered by our standard travel insurance. Including activities like paragliding, quad biking and sky diving.
Travel insurance is arranged by IES Limited.
Do I need extra cover for sports and activities?
Our single trip and annual multi trip policies cover over 100 sports and activities as standard. But some activities like scuba diving, mountain biking or trekking need extra cover.
You can find a full list of activities covered by our hazardous activities cover in the policy documents. This is an add-on to our single trip and multi trip policies.
Some of the activities covered as an optional extra are;
- mountain biking, including downhill racing and off-road riding
- paragliding
- quad biking
- rock climbing, not mountaineering
- sky diving (Europe only).
You are covered for taking part in the activities listed in the policy if you pay the additional cost of the Hazardous activities add on to your travel insurance policy. You can only do these activities for 15 days or less during your trip or annual policy. You must take necessary safety precautions and wear appropriate safety equipment, clothing or headgear. The activity is professionally organised, or with a experienced or qualified instructor or guide. Or you are qualified and can show that you have relevant and appropriate experience.
You are not covered if the main purpose of your trip is to take part in an activity. Unless it is listed as an activity holiday in the policy documents. You are not covered for personal accident or personal liability.
Awards and ratings
Consumer champion Which?, have rated our Platinum and Gold cover for Annual multi-trip and Single trip travel insurance a Best Buy.
Independent financial experts Defaqto have given their highest rating to Gold and Platinum cover for our Annual multi-trip and Single trip travel insurance.
Co-op Insurance won the Customer Experience Award at the 2025 British Insurance Awards. This event celebrates excellence in the insurance industry.
Co-op Insurance is rated on Trustpilot, one of the world’s largest independent customer review sites.
Members save more in our winter sale
Co-op Members get 10% off annual multi-trip insurance in our winter sale. Plus, members continue to get 5% off single-trip insurance.
Become a Co-op Member when you buy travel insurance and also get:
If you’re not yet a Co-op Member, you can sign up when you buy travel insurance. Your first insurance payment will include a one-off £1 joining fee.
10% discount applies to annual multi-trip insurance only. Offer ends 31 March 2026. Discount does not apply to add-ons or the extra cost to cover existing medical conditions.
Do you need travel insurance if you have a GHIC card?
The Global Health Insurance Card (GHIC) has replaced the European Health Insurance Card (EHIC).
This card means you’ll receive the same healthcare and treatment as a local citizen if needed when travelling in the European Economic Area (EEA). It also covers you in countries like Montenegro, Switzerland and Australia.
The healthcare provided may be free, or you may be charged the same as a local citizen.
Please note that not all European countries accept the GHIC, so make sure you check before your trip.
The GHIC is not a substitute for travel insurance as it doesn’t cover you for:
- the costs of rescue and repatriation
- healthcare that’s not free, even to local citizens
- treatment in a private medical facility
- extra travel and accommodation costs due to illness
- losses from your trip getting cut short, delayed or cancelled
- lost or stolen property such as passports, baggage, gadgets and valuables
Why do you need travel insurance?
Travel insurance can give you extra protection if your holiday or trip doesn't go as expected.
It's there to help cover the cost of things like emergency medical treatment or the loss of valuables while you're away.
It can also protect you before you go on holiday. That could be if you need to cancel and cannot get a refund, or if something unexpected stops you from travelling.
To make sure you're covered, it's best to arrange travel insurance as soon as you book your trip.
What types of Co-op Travel Insurance can you get?
There are two types of travel insurance you can get: annual multi-trip travel insurance and single trip insurance.
Annual multi-trip travel insurance
An annual multi-trip policy covers you for an unlimited number of trips over 365 days. You state when you get the quote whether you are travelling within the United Kingdom, Europe or worldwide. This means you can travel as many times as you like during any one year, as long as no single trip lasts longer than 55 days, up to a total maximum of 183 days with our highest level of cover.
Single trip travel insurance
You can get immediate cover for a single trip over specific dates for up to 365 days.
A single trip travel policy covers you for one journey, even if you visit more than one place. You can have multiple stops in different countries, as long as you don’t come home in between. The trip can last up to a year, and the countries you visit need to be listed when you buy your policy. Once you come back home, that trip ends, and so does the cover.
Serious medical conditions
In rare cases, we may not be able to cover you due to serious medical conditions or the cost may be too high.
Get free and impartial help backed by the government with MoneyHelper.
Call 0800 138 7777 or visit MoneyHelper.
Get your travel money
Co-op Insurance introduces eurochange, for your travel money needs.
With currencies including euros, dollars, and yen available at over 240 UK branches. There is also free next day delivery on orders over £600, with 0% commission on all transactions.
Existing customers
If you're one of our existing customers we're here to help
Travel insurance is promoted by Co‑op Insurance Services and arranged by IES Limited and administered by Insure and Go Insurance Services.
eurochange is promoted by Co-op Insurance Services Limited (CISL). CISL acts as an introducer only and is not part of Eurochange Ltd
Calls are charged at local rates from landline and mobiles. If your phone has inclusive minutes these calls are normally included.
Applicants for insurance are subject to normal underwriting criteria.
Co-op Insurance Services Limited will receive a percentage commission from your insurance payments.