Comprehensive water sports insurance tailored to your needs

Emergency transport and repatriation

at actual cost, ensuring you’re covered if you suffer an injury while swimming or participating in water sports — even outside of organised sessions or beyond school settings. Our plans cover serious incidents at home and abroad, where access to fast medical evacuation is essential.

Medical treatment costs up to €150,000

protecting you from unexpected expenses caused by accidents, muscle injuries, or infections linked to pool or open water activities.

Competition and professional athlete options

tailored to meet the high demands of elite swimmers, divers, and water sports professionals who require more comprehensive coverage.

Disability cover up to €200,000 per person

offering financial security in the event of a serious accident impacting your ability to train, compete, or work.

Why water sports insurance is essential

Water sports may be fun and invigorating, but they also come with real risks — from minor injuries to serious accidents that can lead to significant medical expenses or travel disruption. Whether you're swimming in a club, diving in open water, or simply enjoying a session abroad, it's vital to have the right insurance protection in place. Every year, hundreds of swimmers, families, and sports enthusiasts trust Assure Ton Sport for specialist water sports coverage that delivers peace of mind. 

Our policies are designed to meet the specific needs of both recreational users and competitive athletes, ensuring you’re covered during training, lessons, or official events — at home or overseas. We provide proof of cover for sports clubs, coaches, or training centres that require it. Whether you're a beginner, a parent of a young swimmer, or a professional looking for more comprehensive support, our insurance contracts are tailored to suit your level of activity.
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Trusted expertise in water sports insurance and protection

Assure Ton Sport is a leading provider of water sports insurance across the UK and Europe, trusted by swimmers, coaches, and aquatic professionals alike. Whether you're travelling abroad for a training camp, preparing for a competitive event, or simply enjoying an open-water session, we provide reliable insurance cover that keeps you protected from unexpected risks — even if you require rescue support during a swim. 

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FAQ

Yes, we offer temporary insurance options tailored to occasional needs, such as a swimming camp or an international competition. These policies can be taken out for limited periods, with or without supervision provided by qualified personnel.

Yes, our insurance covers accidents that occur during independent swimming practice, whether in personal training or unsupervised sessions. Whether you are under a coach’s supervision, swimming autonomously, or in a school setting such as PE, our insurance covers you during all your swims, regardless of your swimming abilities. This provides you with comprehensive protection while practicing swimming, no matter your level.

Yes, our insurance covers all swimming activities organized within the school framework, including PE classes in the pool. Whether it’s for swimming lessons or water confidence activities, your child will be protected during all sessions. This also includes unsupervised sessions or those outside of school, which are also covered.

Yes, the insurance covers swimming instruction activities, whether within a school setting or outside of it. It is also valid during the process of obtaining the "Savoir Nager en Sécurité" (ASNS) certificate. Whether your child is learning to swim or participating in specific aquatic activities, they will receive full protection.

Depending on the age, skill level, and needs of participants, swimming insurance covers a wide range of skills. For children and beginners, it includes all aquatic activities: water confidence, basic water survival skills, and progressive mastery of various swimming distances. It also supports educational and pedagogical programs related to swimming, providing a secure environment for learning both in and out of school. For adult swimmers, whether they are amateurs, recreational athletes, or competitors, the insurance can cover training, endurance sessions, and competitions.



Professional and semi-professional athletes can also benefit from this insurance for increased risks associated with intensive training, participation in long-distance events, or navigating obstacles in aquatic environments.



Competition Option

For swimmers who participate in competitions, the "Competition" option is necessary. This additional coverage includes risks associated with competitions, such as intensive training, local, national, or international competitions, and the travel required for events. It also provides benefits in case of injury or accident during competitions.



Professional Athlete Option

For professional-level swimmers, the "Professional Athlete" option is required. This option is specifically designed to meet the needs of swimmers who practice intensively or compete at a high level. It covers the increased risks associated with rigorous training sessions, physical preparation, and official competitions, while taking into account the professional nature of their activity.



These options meet the varied needs of swimmers, whether amateur, competitive, or professional, ensuring optimal protection.

Swimming insurance covers all standard aquatic activities, including swimming lessons in pools, water rescue and safety exercises, aquatic first aid courses, and water familiarization activities for children.
It also covers sports categorized as "classic sports."
These activities can be undertaken for leisure, training, or competition purposes. The insurance covers risks associated with these sports, whether in an educational, recreational, or competitive setting, providing suitable coverage for all types of participants, whether beginners, amateurs, or professionals.

Our swimming insurance provides optimal coverage for children during aquatic school programs. This includes the supervision of swimming activities in pools, with oversight by qualified personnel or during independent practice. The safety and confidence of children in the water are our top priorities, whether in a school setting, during PE sessions, or outside of school.

 For swimmers involved in advanced courses, including long-distance swimming and competitions involving obstacles, our insurance offers the competition option. The national swimming academy recognizes this insurance as a suitable solution for competitors, whether during physical preparation courses or in competitions.

The insurance covers swimming instruction cycles, with rigorous supervision provided by certified instructors. In the facilities or pools where these swimming classes take place, children's skills are validated through a test, and in some cases, a certificate of achievement (such as the ASNS) is awarded to them.

While the ASNS certificate is not required for coverage, it is strongly recommended to ensure children's safety during aquatic activities, especially for water programs organized by an academy. Our options also include protection for swimming sessions outside of this framework, regardless of the level of supervision or the presence of an instructor.

The safety of children using equipment like a buoy is also covered. Our insurance policies cover swimming activities with or without a buoy, in a pool or another supervised area, with or without supervision.

Swimming classes in the pool, under the supervision of a teacher, are fully covered. Our insurance ensures the safety of children during each teaching cycle, including classes preparing young students for the ASNS test. This coverage also includes aquatic programs in academies with supervision that meets national education requirements and standards.

Competitions involving obstacles can present physical risks. For these events, our swimming insurance offers the competition option to ensure safety and first aid coverage. The safety of swimmers is our priority at every stage of their journey.

Our insurance focuses on physical injuries, including first aid interventions. Swimming items and other equipment are not covered.

Our insurance solutions are designed to adapt to every stage of your aquatic journey. From young swimmers in school classes to elite athletes training for international competitions, we offer flexible policy options that suit your level, your environment, and your goals. With simple online subscription, competitive pricing, and expert guidance, you can dive in with confidence, knowing you're backed by one of the most trusted names in sports and travel insurance.

If you're a professional swimmer or part of a recognised swimming federation, our specialist water sports insurance offers comprehensive protection tailored to your level. It includes reimbursement for medical expenses, compensation in case of temporary or permanent disability, and optional extras depending on your training intensity and competition schedule. Our cover complements basic federation insurance, which often has limited scope — especially when it comes to international events, non-sanctioned races, or open-water activities.

In the event of an accident or injury, simply contact our 24/7 emergency assistance team using the number on your insurance card. You'll need to provide key details such as the date, location, and nature of the incident. Whether you're swimming in a pool or in open water, your case will be assessed quickly so we can provide timely support and organise reimbursement based on your policy terms.

Yes — our insurance covers both open-water and pool swimming with equal protection. You’re insured whether you’re training in a lake, river, or controlled indoor pool, and whether or not you're using a safety buoy or other personal protection equipment. The policy also extends to school PE lessons, swim clubs, and instructor-led courses.

Yes, when you select the competition add-on, you’re protected during official swim events — from amateur meets to elite international races. We also offer enhanced plans for frequent competitors and professional swimmers, ensuring coverage for long-distance courses, multi-discipline events, and other high-risk aquatic activities

Standard water sports travel insurance typically focuses on medical protection, but we also offer optional equipment cover for items like wetsuits, swimwear, goggles, snorkels, and even diving computers. If your gear is lost, stolen, or damaged during a session or in transit, this add-on ensures you're financially protected and can replace your equipment without hassle.

Our water sports insurance covers a wide range of activities including swimming, snorkelling, surfing, scuba diving, freediving, paddleboarding, and more. However, each policy is tailored based on the risk level of the activities you plan to do. If you engage in multiple disciplines, such as combining open-water swimming with scuba diving, we can create a package that includes all relevant coverage.

In serious cases, especially during overseas trips involving remote water areas, our policy includes emergency transport and medical repatriation at actual cost. Whether you're diving off the coast, surfing in Southeast Asia, or training in a secluded location, you’ll have access to immediate medical evacuation services, ensuring you can be safely transferred to the nearest hospital or even returned to your home country if needed.
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