Award-Winning, Flexible

KARATE INSURANCE

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comprehensive Karate Insurance in minutes

10% OFF ONLINE*

Buy your
specialist Karate Insurance in minutes

10% OFF ONLINE*

Smart Money People Award for SportsCover Direct
Feefo 2025
4.8/5

Independent Service Rating based on
5047 verified reviews.

Smart Money People Award for SportsCover Direct
Feefo 2025
4.8/5

Independent Service Rating based on
5047 verified reviews.

Our Karate Insurance policy options

Put simply, we offer three different policy options…

1. Travel Insurance

Our Sports Travel Insurance will cover you whilst participating in karate abroad for training or competition, and includes cover for medical and repatriation costs, trip cancellation and curtailment, plus more.

2. Travel Insurance Bolt-On

If you have an existing travel insurance policy in place with another provider such as your bank but it does not include cover for karate, we can provide a bolt-on style of protection for your trip.

3. Sports Accident Insurance

Our Sports Accident Insurance is designed to protect you whilst participating in karate in the UK, whether that be for training or competition. The policy provides a range of benefits including personal liability and income protection.

Our claims record

HIGHEST PAID CLAIM

£174,984.64

 FOR AN INSURANCE CLAIM**

AVERAGE PAY OUT

£1,295.07

FOR EACH INSURANCE CLAIM**

OUR AVERAGE CLAIMS RATING

4.9/5

ACCORDING TO OUR FEEFO SCORE***

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Join thousands of sports enthusiasts who choose us every year

Or Call us on 01494 484800

Why choose us

30 Years Experience

We have been providing tailored Sports Insurance policies for over 30 years, and today protect more than 57,000 customers a year.

Professional Claims Handling

We work with leading claims handlers to make sure our customers experience a prompt and professional service when making a claim.

Underwritten by Experts

We’re pleased to offer tailored cover from AXA XL, a leading provider of insurance in the sports and leisure industry.

UK Based Customer Service Team

Our highly experienced Sales team are available to help support you with any questions that you might have.

5-Star Customer Service Rating

Thousands of happy customers have awarded us a 5-star customer service score on the independent feedback platform, Feefo.

500+ Sports Covered

Being a specialist in Sports Insurance, we provide cover for over 500 different sports & activities, far more than other providers.

How is our Karate Insurance different?

Most standard travel insurance plans do not cover the risks of  martial arts, especially when competitions and tournaments are involved. Our policy, which is underwritten by AXA XL, provides cover for karate and 500 other sports. 

If you are planning a trip away, you wouldn’t want to worry about medical bills whilst training or competing in a foreign country.  Our Sports Travel Insurance is designed to protect you for a range of risks, from lost luggage to the cost of medical care if you sustain injury or become ill.

For those training karate in the UK, our Sports Accident Insurance will be better suited providing cover for various incidents such as broken bones, physiotherapy costs and personal liability.

Before you hit the training mat, ensure you have the right insurance policy for your needs. 

Tokyo Olympics - Karate

What does Karate Travel Insurance cover?

Whilst most practitioners take great care to exercise their arts in a safe manner, it is important to ensure you have the best cover in place, in case an incident does occur. 

  • Emergency Medical Expenses & Repatriation – up to £10 million
  • Cancellation & Curtailment – up to £5000 
  • Personal Accident cover – up to £25,000 
  • Personal Liability- up to £2 million
  • Baggage & personal effects – up to £2500
  • Sports Equipment – up to £5,600 (additional premium).
  • Activity & Race Entry Fees – up to £500 
  • Travel Delay, Abandonment and Missed Departure – up to £5000

Our policy provides bronze, silver and gold cover levels, which correspond to the value of your benefits such as sports equipment, cancellation and baggage. Request a quote to find out more details about the different levels available.

Discover the full extent of our cover

Or Call us on 01494 484800

Why Karate Insurance cr

What’s covered with Karate Insurance in the UK?

Although karate is grounded by self-control and restraint, injuries can occur from contact, overstraining or falls. To protect yourself our Karate sports accident policy can offer the following cover.

  • Personal Liability – up to £2,000,000
  • Permanent Disablement – up to £30,000
  • Accidental Death – up to £9,000
  • Income Protection per week
  • Legal Expenses – up to £4,500
  • Broken Bones – up to £350
  • Physiotherapy Fees – up to £350
  • Dental Fees – up to £350

For more information on this policy, please request a quote. 

Frequently Asked Questions

Yes – unless otherwise stated during the quote process.

Standard travel insurance policies do not always cover martial arts sports. Our Sports Travel Insurance is specifically designed to cover over 500 high risk activities such as bungee jumping, skateboarding, ski-acrobatics and many more.

Our policies will cover anyone up to the age of 74 at the time of purchase. An applicant aged 75 or over cannot be covered.

Yes, our Karate Travel Insurance can generally be taken out even if you have a medical condition. We can almost always offer cover at no extra cost, but occasionally our underwriters may apply special terms if you subsequently needed to make a claim relating to your condition.

There are no exclusions participating in Karate for either of these tournament rules.

If you sustain an injury whilst sparring and competing abroad, you can be covered under medical expenses cover. If you are competing in the UK, our policy can cover you for disablement, broken bones, dental fees, physiotherapy amongst others listed. For further details please request a quote.

There are no exclusions for training in these environments. You are covered for the benefits listed in your policy.

There are no exclusions for training with sport related weapons, providing reasonable precautions are taken.

Any Karate equipment can be covered with sports equipment, in our travel policy.

Yes, you are covered for personal liability up to £2 million.

Yes, this is covered by sports equipment, in our travel policy. Please be aware we cannot cover if an airline loses your sports equipment that responsibility would fall to the airline.

You are covered for activities you select in your policy. If you need an additional martial arts discipline, please select this when you get a quote as it may adjust your premium.

Pre-existing injuries can be covered, you will need to declare these to ensure your cover is valid.

Yes, activity fees can be covered if you need to cancel a competition due to injury.

* 10% online discount applies to our Sports Travel Insurance and Activity TopUp policies only. 

** Data relates to all SportsCover Direct Insurance claims from Jan 2010 to Dec 2024 inclusive.

*** Feefo rating relates to all SportsCover Direct Insurance claims review score from Jan 2024 to Dec 2024 inclusive. Feefo score rounded up to 1 decimal place.

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