English
Italian
Spanish
English
French
Standard travel insurance or life insurance policies contain a great many exclusions and generally refuse to cover you if you take part in sports considered "dangerous" or "extreme".
Our AxeoSport policy was designed from the outset for sporting effort: it covers more than 400 sports and adventure activities. What is more, we cover you for high-risk activities such as snowboarding or freeriding, without requiring the mandatory presence of a qualified instructor.
The insurance provided with your bank cards or your standard insurance policies excludes most board sports, combat sports, strength sports, motor sports and air sports, because they consider the risk of bodily injury to be too high.
At AxeoSport, we refuse to deprive you of your passion. To that end, make sure you select your sporting activity correctly when you take out your policy online, so that the cover adapts perfectly and automatically to your own situation.
Only a sports federation can issue you a licence. While a licence generally includes Public/Third-Party Liability cover (for damage caused to others), its cover for your own bodily injury is very often insufficient in the event of a serious accident.
The AxeoSport policy comes in addition to your licence in order to significantly increase your cover amounts and your protection limits according to the level of risk you take.
No, once the policy has been taken out, it can no longer be modified. It is therefore important to carefully assess your cover needs according to your sporting activity before taking out the policy. We especially recommend checking: the medical expenses cover, the disability benefit, and options such as hospitalisation cover.
However, if you are still within the 14-day cooling-off period and your cover has not yet started, you can cancel your policy and then take out a new one with the plan of your choice.
AxeoSport offers three levels of sports coverage, each designed to match a different type of athlete's needs.
The Basic Sports coverage provides access to 316 sports and sporting activities as defined in the General Terms and Conditions. It is suited to athletes practising leisure, training or competition activities within this category.
The Basic and Motorsports coverage extends this protection to 385 sports and sporting activities by automatically including motorsports. It offers greater flexibility for athletes who wish to practise disciplines from multiple categories.
The Basic, Motorsports and Aerial Sports coverage is the most comprehensive plan offered by AxeoSport. It covers up to 439 sports and sporting activities and includes all three categories defined in the policy. By choosing a higher category, you automatically benefit from the coverage of the lower categories.
Please note: certain sports marked with a double asterisk (**) are subject to specific pricing and require an additional declaration at the time of subscription. Any participation in a ranked event requires the subscription of the Competition Option.
To view the full list of covered sports and compensation conditions, please refer to our General Terms and Conditions available at the bottom of the page.
Yes, absolutely! You can take out your policy in just a few minutes on our website using a simplified form. You can perfectly well receive your insurance certificate by e-mail just before starting your sporting activity, your training session or your match.
It is instant. The policy is taken out online only, in less than 2 minutes, with your bank card. Your cover takes effect immediately on the effective date and time shown on your certificate, subject to payment of the premium.
The choice of plan depends on how often you practise your sport, on your level (recreational, competition, professional) and on the level of financial security you want. Our different plans (Plan 1, 2 and 3) differ in their compensation and medical care reimbursement limits (ranging, for example, from 10,000€ to 150,000€ per person).
Yes, our policy protects adults as well as children and school pupils. However, the policyholder (the person who completes the process and pays the premium) must be an adult over 18 years of age. Please simply note that the death benefit lump sum does not apply to children who are minors.
Yes. When you request your quote, you simply need to enter your main country of residence (home address) and your country of destination so that our cover adapts to your situation.
Our Personal Accident cover policy covers more than 400 sports and thrill-seeking activities. However, certain extreme, very high-risk disciplines are strictly excluded from all our plans (such as base jumping, bungee jumping, caving or mountaineering above 6,000 metres).
Yes, motocross is a demanding discipline in which the risk of bodily injury is high. Our policy covers motocross but, as it is a motorised sport, you must be sure to select your sporting activity correctly when taking out your policy online.
IMPORTANT: When taking out your policy, you must be sure to select your sporting activity correctly from the drop-down list of sports, and not another discipline. This sport is marked with an asterisk (*) in the insurance terms and conditions, which means that it is subject to special pricing, just like all the other sports marked with an asterisk (*). Do not make any mistake, so that the validity of your cover is guaranteed!
Yes. You are covered for your sporting leisure activities, supervised or not, including on private land or a private circuit.
Golden legal rule: Your practice must strictly comply with the regulations and legislation in force (no unregulated, unauthorised or prohibited riding).
Our policy is perfectly suited to track riding. To be covered in the event of a fall on the track, you simply need to select your sporting activity correctly from the drop-down list when taking out your policy online. This activates the right Personal Accident cover for your discipline.
Yes! Trackdays (days of free track riding for leisure) are fully covered. To this end, make sure you select your sporting activity correctly in our search engine when requesting your quote, so as to obtain the appropriate price and cover.
Almost never. Standard road insurance policies systematically exclude riding on a circuit, or only cover your Civil Liability (damage caused to others). They do not reimburse your own injuries in the event of a fall. That is why you should take out our Personal Accident cover policy, making sure you select your sporting activity correctly when taking out your policy.
We offer comprehensive cover for alpine skiing, snowboarding, heliskiing and freeriding. Please note: off-piste skiing is covered, unless you ski while the local authorities have issued an avalanche warning bulletin of level 3 to 5.
Yes, absolutely. Our assistance cover includes search and rescue costs, including recovery operations (helicopter included), up to 50,000€ per event.
It covers the costs charged by rescue teams to locate you and evacuate you to the nearest hospital (up to 50,000€). If the operation involves towing your drifting board or water sports equipment (surfboard, sailboard, jet ski, kitesurf), the dedicated allowance is capped at 1,200€.
Scuba diving is fully covered under our standard plan. It covers your search costs at sea, your medical expenses and your repatriation in the event of an accident.
Yes, our medical assistance provider arranges and covers your transfer to, and access to, a hyperbaric chamber if your medical condition requires it.
Yes, you are protected worldwide (excluding countries in a state of war or of geopolitical instability) throughout your stay and your outward and return journeys.
Yes, it is mandatory as soon as you take part in an official event organised by a federation, or in any meeting involving a ranking, timing, or the awarding of prizes/bonuses (marathons, tournaments, matches, regattas, etc.).
Our assistance provider takes care of everything directly: we settle your hospital costs on site with the facility, without any upfront payment of costs on your part. In addition, if your hospital stay exceeds 7 days, we pay for the return ticket of a relative to come to your bedside, as well as their hotel costs (up to 150€ per night, with a maximum of 1,500€).
No, it is optional but very useful. It reimburses your non-recoverable trip costs (lift passes, hotels, courses) if a serious sports accident or a death prevents you from travelling. It must be taken out on the day of booking or within the following 15 days at the latest.
Immediately contact our medical assistance centre, available 24/7, on the telephone number shown on your membership certificate or on your assistance card (quoting the agreement or convention number indicated on your card).
Let the local rescue authorities organize the helicopter evacuation (our assistance service cannot take the place of the local emergency services). Contact us as soon as possible to open your file. Carefully keep the original itemized invoice for the search and rescue costs issued by the authorities in order to obtain your reimbursement (up to 50,000€).
Our insurance policy draws a clear distinction between emergency assistance services and insurance benefits:
Depending on the case: your treatment forms and statements from French social security (Sécurité sociale)/your complementary health insurer (medical expenses); the original itemized invoice from the rescue teams (search and rescue); the rental invoice and proof of breakage (equipment damage); or the receipt of the police report (theft of luggage).
Premium refunds (cooling-off period) are paid within 30 days. As for the other settlements and reimbursements of medical expenses, they are processed immediately after your complete file has been validated by our claims handlers and our medical adviser.
Yes, our cover applies worldwide (in the destination country stated on the certificate). Please note: countries in a state of war, affected by riots or subject to official travel restrictions are excluded. Our "Europe" coverage area, for its part, excludes Ukraine, Belarus, Moldova as well as the French overseas departments and territories (DOM-TOM).
Standard travel insurance policies (or those provided with your bank cards) exclude the majority of sports considered to be high-risk, extreme, motorized or airborne. AxeoSport was created specifically to cover you during your effort where the others stop, provided that you correctly select your sporting activity when taking out the policy.
You have a 14-day cooling-off period from the date you take out your policy in which to withdraw, provided that your policy has not yet started. The request must be sent by registered letter (paper or electronic) with acknowledgement of receipt.
PLEASE NOTE FOR DAY POLICIES: If you have taken out a day policy and its validity period has already started (or starts on the very day of your purchase), you can no longer cancel it or obtain a refund, since the cover has already begun to take effect.
The Air Sports cover brings together disciplines practised in the air, which are excluded from almost all standard insurance policies. At AxeoSport, they are available through our most comprehensive plan, which gives access to every sport in the policy.
The disciplines covered include:
Some of these disciplines are marked with a double asterisk (**) in the terms and conditions: they are subject to specific pricing and require an additional declaration when you take out the policy. Remember to select your exact discipline from the drop-down list when requesting your quote.
Please note: base jumping remains strictly excluded from all our plans. If your activity does not appear in the list, contact us before taking out cover.
Paragliding is covered by AxeoSport through the plan that includes Air Sports. You then benefit from the same cover as for any other discipline: reimbursement of the medical expenses left payable by you, a lump sum in the event of permanent disability or death, medical repatriation, and above all search and rescue cover up to 50,000€ — an essential point in paragliding, where a helicopter evacuation after landing in difficult terrain can be very expensive.
Adaptive paragliding and speed riding are covered on the same basis. Tandem, school and solo flying are all taken into account, provided you comply with the regulations in force.
If you take part in an event with a ranking (distance or accuracy competition), the Competition option is mandatory.
Yes. Skydiving is one of the disciplines available through the plan that includes Air Sports, whereas it is systematically excluded from bank card insurance and from most travel policies.
Whether you jump tandem on a first jump, on an AFF course or as an experienced solo jumper, your injuries are covered: additional medical expenses, hospitalisation, disability lump sum, repatriation.
Skydiving is marked with a double asterisk (**) in our terms and conditions: it is subject to specific pricing and to an additional declaration when you take out the policy. Select it precisely from the list of sports so that your cover is valid.
Not to be confused with base jumping, which remains strictly excluded from all our plans.
Yes. Microlights (ULM), paramotors, powered flight, gliding and hang gliding are all part of the AxeoSport Air Sports cover.
This is Personal Accident cover: it covers your own injuries in the event of a fall or accident, as well as your repatriation and search and rescue costs. It does not replace the compulsory aircraft insurance or the aviation third-party liability cover, which are the responsibility of the aircraft owner or of your flying club.
As these disciplines are subject to specific pricing, make sure you select yours from the drop-down list when requesting your quote, so that the policy matches the real risk of your activity.
Yes, and this is a common source of confusion. Although they are practised on water or on snow, kitesurfing and snowkiting are classified as Air Sports, because it is the kite that generates the traction and the risk of involuntary flight.
In practical terms, a plan limited to the basic sports is not enough: you must choose the plan that includes Air Sports in order to be genuinely covered.
Good to know: if you get into difficulty offshore, the search and rescue cover pays for the towing of your drifting equipment up to a limit of 1,200€, in addition to search costs of up to 50,000€.
Yes. Hot-air ballooning, aerostation, zip lining, highlining, kite flying and model aircraft are all attached to the Air Sports category, even when it is a one-off leisure activity during your holiday.
This is worth checking before booking a balloon flight or a treetop adventure day: your usual travel insurance, or the cover provided with your bank card, will very probably exclude these activities, whereas a fall from a platform or a hard landing in a basket can cause serious injury.
By choosing the most comprehensive plan, you automatically benefit from the cover of the lower categories: you therefore remain covered for all your other sports during the same trip.
