Sports accident insurance: all your questions answered

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FAQ

Five options are available to enrich and personalise your sports insurance cover according to your specific needs.

Luggage Option
Covers theft, loss or destruction of your luggage, personal belongings and professional equipment during your sports trip.

Daily Hospitalisation Allowance Option
In the event of hospitalisation following a covered accident, this option pays a fixed daily benefit for each day of hospitalisation.

Private Life Option
Extends your cover beyond sporting activity alone: you are protected throughout all your trips and stays abroad, including during your free time, travel and everyday activities outside sport.

Competition Option
Essential if you take part in official events. Without it, accidents during competition and preparatory training are excluded from the basic contract. It covers all situations: tournaments, races, rallies, regattas, matches, duels, challenges, contests, fights, heats and exhibitions organised by a sports federation.

Professional Athlete Option
Reserved for high-level athletes, it covers your training, competitions, championships and all sporting activities carried out on a professional basis.

⚠️ All options must be taken out before the start of your stay and must appear explicitly on your Membership Certificate to be valid. No option can be added retroactively after a claim.

You will receive your sports insurance certificate, your assistance card and our General Terms and Conditions by email (remember to check your spam folder).

You can also find your contract in your personal account by entering your login (email address) and password. A temporary password is sent to you as soon as you request a quote or take out a policy.

Quotes and subscriptions are completed on our website via the "online quote" section. The process takes just a few minutes using a simplified form. You can receive your document by email right before a match or a school sports activity.

You simply need to provide basic information: the coverage period (from date to date), the sport practised, your country of residence and destination, along with a few personal details (surname, first name, date of birth and nationality).

Yes, our plans include repatriation assistance with actual costs covered in the event of injuries or bodily harm.

Whether you practice a high-risk sport such as rugby or skiing, or a less intense sporting activity, our insurance covers repatriation following an accident.

For example, in the event of a fracture requiring urgent medical advice, repatriation expenses are covered.

If the competition option is selected, a limit of €100,000 applies to repatriation assistance.

No, once the contract has been subscribed, it cannot be modified.

It is therefore important to carefully assess your coverage needs according to your sporting activity before subscribing.

We especially recommend checking:
the medical expenses coverage,
the disability benefit,
or options such as hospitalization coverage.

You can insure up to 20 people under a single contract.

This solution is ideal for sports clubs, associations, teams, or school groups traveling for sporting activities.

Each insured person benefits from coverage against accidents that may occur during sports activities, including medical expenses and medical transport.

For example, if an insured person listed in the contract suffers injuries caused by a third party, medical expenses and repatriation may be covered according to the selected guarantees.

Contracts may also include medical expertise and support from lawyers specialized in sports law and civil liability.

Regardless of your level of responsibility, and whether the accident was your fault or not, our contract covers your bodily injuries as long as the incident occurs during sports practice.

For more information, you can download our General Terms and Conditions in PDF format at the bottom of our website.

The final pages detail the guarantees of each plan.

You have a You benefit from a 14-day withdrawal period starting from the subscription date, provided that your contract has not yet started.

Cancellation must be made by registered letter with acknowledgment of receipt:

AxeoSport - 968 Route de Caumont, 6 Lotissement Beau Ciel 84470 Châteauneuf-de-Gadagne, France

or electronically via:
https://www.ar24.fr/

A sample withdrawal letter is available on page 9 of our General Terms and Conditions, downloadable at the bottom of our website.14-day right of withdrawal from the date of subscription but before the start date of your policy. The cancellation can only be carried out by means of a recorded delivery letter with acknowledgement of receipt by post (AxeoSport - 968 Route de Caumont, 6 Lotissement Beau Ciel 84470 Châteauneuf-de-Gadagne, France) or electronically (https://www.ar24.fr/). You will find an example withdrawal letter on page 9 of our General Terms and Conditions of Sale, available for download at the bottom of our website.

No. AxeoSport offers an individual sports accident insurance covering injuries sustained during sports activities.

This includes fractures, tendinitis, and other bodily injuries that may occur while practicing sports.

The insured person is protected during matches, training sessions, or other sporting activities, whether supervised by a club or association or not.

You can consult our list of covered sports directly on our website.

To check whether your sport is covered by our insurance contract, visit the “Sports List” section at the bottom of our website.

You will find the sports activities covered, including certain high-risk sports such as rugby, skiing, paragliding, or motorcycling.

If your activity is not listed, please contact our customer service through the “Contact Us” section.

In the event of an emergency requiring rescue services, hospitalization, or repatriation, it is mandatory to contact our assistance service before incurring any expenses or arranging any intervention.

The contact number is indicated on the assistance card sent to you by email after your subscription.

To report a claim, you have a maximum period of 7 days after the incident.

Your claim must be sent by email to:
[email protected]

To process your file, please provide:

- a detailed description of the accident circumstances;
- the initial medical certificate or hospitalization report;
- the medical invoices together with reimbursement statements from Social Security and your health insurance provider.

Yes. The "Private Life" option is available only with the daily plan.

It provides extended coverage during your sports activities as well as throughout your trips and stays abroad.

With the "Private Life" option, you can travel with greater peace of mind during your stay.

No. None of our plans include civil liability coverage.

Our insurance policies are exclusively dedicated to your personal protection in the event of a sports accident.

They cover your own bodily injuries as well as assistance services, including medical expenses and repatriation.

However, material or bodily damage caused to a third party is not covered.

Your insurance coverage is valid only during the period indicated on your Membership Certificate.

Your guarantees begin on the date and time specified on your certificate, subject to payment confirmation of your contribution.

The contract ends on the end date stated on this document, with a maximum duration of 12 months.

For a daily contract, coverage ends at midnight.

With its international expertise, Mutuaide Assistance is AxeoSport’s medical assistance and repatriation provider.

In the event of a sports accident, whether during a match, training session, or any other sporting activity, Mutuaide Assistance organizes the necessary medical care and your repatriation if required.

This assistance service is designed for both amateur and professional athletes to ensure fast support in the event of bodily injuries.

Yes, the medical assistance includes access to a decompression chamber in the event of a scuba diving accident.

If necessary, a doctor will organize your medical care and transfer to the appropriate facility.

Yes, AxeoSport covers accidents occurring during the practice of this high-risk activity.

Our sports accident insurance also covers other snow sports such as snowboarding, heliskiing, and freeride, without requiring a certified instructor or guide.

Please remember to keep your membership card with you during your activity.

No. Your AxeoSport insurance policy is not subject to automatic renewal.

Your coverage automatically ends on the end date stated on your Membership Certificate.

In the event of a bodily injury accident, this information allows the insurer to organize the repatriation and appropriate assistance for the insured person.

The country of departure and the destination country are also necessary to assess the level of risk and the potential medical and assistance costs related to the trip.

Insurance rates may vary depending on the destination, as some countries have higher medical or repatriation costs than others.

No. The contract offered by AxeoSport / Assure Ton Sport is not considered an official sports license.

It is an individual accident insurance policy covering medical expenses related to an accident, assistance/repatriation, as well as disability, death, search, and rescue guarantees depending on the selected options.

Some federations, clubs, circuits, or event organizers may still require an official sports license to participate in an activity, training session, or competition.

In this case, our insurance does not replace the license required by the organizer or federation.

However, our contract may be subscribed to in addition to a sports license in order to benefit from broader insurance coverage.

Once logged in, click on “Settings” at the top right of the page.

Update your information, then click “Save”.

Invoices are available once the month has ended.

To generate them, log in to your customer area, then click on “Invoice” at the top right of the page next to your name.

Select the desired month and year to generate your invoice.

The Europe Zone includes all European countries except Ukraine, Belarus, and Moldova.

This zone also excludes the outermost regions of the European Union as well as overseas territories.

If you need broader coverage, other options are available.

To resolve the issue encountered on our website, we recommend trying another internet browser such as Google Chrome, Mozilla Firefox, Safari, or Internet Explorer.

We also recommend:

- clearing your browser cache;
- deleting browsing history and cookies;
- trying private browsing mode;
- using our mobile application.

These steps usually resolve this type of issue.

To find your contract in your customer area, log in using your email address and password.

Once logged in, go to the “My Profile” section.

All your contracts are available there and can be viewed or downloaded at any time.

To convert your quote into a contract, log in to your customer area on axeosport.com.

Then go to the “My Profile” section.

Click on the three vertical dots next to the relevant quote and select “Subscribe Online”.

Your contract will be activated in just a few clicks.

Our contracts can only be subscribed online, either on our website or through our mobile application.

The process takes less than 2 minutes and payment is made easily by bank card.

Bank transfer payment is not available.

Have you checked your spam or junk mail folder?

Sometimes our emails, including contractual documents, may be automatically placed there.

If you still cannot find your contract, you can download it directly from your personal account.

Simply log in using your email address and password.

You can receive your contract, attached documents, and general terms and conditions in French, English, Italian, or Spanish.

During your subscription, simply select your language at the top right of our website.

We recommend not using an automatic translator.

Once the subscription has been completed, it is no longer possible to change plans.

However, if you are still within the 14-day withdrawal period, you may cancel your subscription and purchase a new one.

If you practice your sport in several countries outside Europe, you must subscribe to a specific insurance contract for each country concerned.

The process is quick and simple. Each contract can be completed in less than 2 minutes through our mobile application available on the Play Store and Apple Store, or directly on our website.

If all your destinations are located within Europe, you must select the EUROPE plan.

The insurer pays a fixed daily allowance for each day of hospitalization.

The amount is specified on your membership certificate.

To benefit from this coverage, you may subscribe to the “Daily Hospitalization Allowance” option with a choice of:

- €30 per day;
- €40 per day;
- €50 per day.

For more details, please refer to article 3.2.8 of our general terms and conditions.

Our insurance covers the theft, loss, or destruction of luggage, personal belongings, and professional equipment.

Coverage may apply in the following situations:

- theft or loss during the trip;
- total or partial destruction;
- loss caused by a natural event.

Covered items include suitcases, carry-on luggage, clothing, personal belongings, valuables, and professional equipment.

The maximum reimbursement amount depends on the selected option and is specified in the table of guarantees.

For more information, please refer to article 3.2.7 of the general terms and conditions.

The “Competition” option is designed to cover sports activities practiced in a competitive environment.

It provides coverage in the event of a sports accident during events where you compete against other participants individually or as part of a team.

This option may notably cover:

- tournaments;
- matches;
- races such as marathons or rallies;
- sporting events such as triathlons;
- regattas;
- combat sports and martial arts.

The option covers many forms of sports competitions depending on the sport practiced.

Our individual accident insurance policies cover more than 430 sports and high-adrenaline activities.

Unlike some travel or standard insurance policies, our coverage is specifically designed to protect athletes during sports activities.

Coverage may include:

- bodily injuries;
- medical expenses;
- hospitalization;
- emergency transport;
- repatriation;
- disability and death benefits;
- legal protection.

Our insurance protects only the insured person, not equipment or damage caused to third parties.

This approach allows us to offer coverage suited to both amateur athletes and high-level athletes.

Yes, all our individual accident insurance policies include coverage for medical expenses related to injuries occurring during sports activities.

This may notably include:

- medical consultations;
- X-rays;
- emergency care;
- rehabilitation;
- physiotherapy sessions.

The reimbursement amount depends on the selected plan.

Our most comprehensive plan can provide coverage of up to €150,000 per person, especially for trips abroad, high-risk sports, or long recovery periods.

In the event of an accident abroad or during sports practice, medical costs can quickly become significant. AxeoSport offers coverage tailored to athletes’ real needs.

If you are forced to shorten your trip due to a sports accident, your contract includes a trip interruption guarantee.

This guarantee allows reimbursement for unused services such as:

- ski passes;
- equipment rental;
- lessons and activities.

The reimbursement limit is set at €800 per claim.

This benefit may also apply to family members covered by the contract.

In the event of a serious injury causing an early return, this coverage helps reduce the financial impact of the interrupted stay.

Absolutely. Our contracts may cover lawyer fees up to €5,000 or €7,000 depending on the selected plan.

We may also assist you if you are prosecuted following a sports accident occurring abroad.

In this context, an advance of up to €7,500 for criminal bail may be provided to help avoid preventive detention abroad.

This guarantee offers valuable legal protection, especially during trips outside Europe.

Yes. In the event of a covered bodily injury accident, we provide a €100 emergency allowance to help replace:

- your contact lenses;
- your glasses;
- your damaged dental prostheses.

This assistance is provided in addition to your health insurance coverage.

Yes. If you are hospitalized for more than 7 days and no relative is present on site, we organize and cover the round-trip ticket by plane or train for a family member to come and stay by your side.

We may also cover hotel expenses up to:

- €150 per night;
- with a maximum limit of €1,500.

No, you do not have to pay hospitalization expenses in advance, provided that you contact our assistance partner before any expense is incurred.

To benefit from this direct coverage, you or a relative must immediately contact Groupama Assistance.

Any expense incurred without the prior approval of the assistance service may compromise your reimbursement.

Yes. If your accident resulted in a fracture or required surgery, we may cover your physiotherapy and rehabilitation expenses up to €350.

This guarantee complements Social Security reimbursements to help support your return to sports.

Yes. By subscribing to the “Cancellation” option, you may be reimbursed for non-refundable expenses if a sports accident or a death prevents you from traveling.

This guarantee may notably cover:

- hotels;
- rentals;
- training camps and stays.

Absolutely. Unlike some traditional insurance policies, we cover activities involving electric scooters, electric skateboards, electric unicycles, and electric mountain bikes.

Yes, absolutely. The Handisport category specifically covers people with reduced mobility in the event of an accident during their sports activities.

Handisport disciplines are fully included in our coverage guarantees, just like other sports, whether in the Classic, Motor Sports, or Air Sports categories.

This dedicated coverage is designed to adapt to your activity and reflects our commitment to inclusive access to sports.

Yes, we cover combat sports and contact disciplines.

Our insurance may notably cover:

- MMA;
- Krav Maga;
- Muay Thai;
- Brazilian Jiu-Jitsu;
- Karate.

You are covered both during training sessions and sports camps.

However, participation in official fights or competitions requires the “Competition” option.

Yes, it is mandatory. As soon as your event includes a ranking, timing system, or any form of reward or prize, even symbolic, it is considered a competition.

In this case, subscribing to the “Competition” option is mandatory.

We provide compensation for permanent disability starting from a disability rate of 10%, according to the contractual scale.

Some insurance policies only provide compensation from 30% or 50% disability.

With AxeoSport, even a moderate lasting injury affecting your daily life or sports practice may already be financially compensated.

Compensation is calculated based on the replacement value with depreciation applied.

During the first year after purchase, reimbursement may reach up to 75% of the purchase price.

In the following years, the reimbursement amount is reduced by 10% per year.

This guarantee helps facilitate the replacement of your equipment after a claim.

If you are medically repatriated by our services, we may also organize and cover the return trip of accompanying persons insured under the contract.

This guarantee applies when the initially planned means of return can no longer be used.

Your insured spouse and children may therefore benefit from an organized return home.

Yes, you are covered for your leisure activities with friends or clubs.

Our contract notably includes target and strategy sports such as:

- Paintball;
- Airsoft;
- Clay shooting;
- Archery;
- Laser Tag.

Our insurance protects the rider, but does not cover the horse.

You are covered for bodily injuries during activities such as:

- horse riding;
- show jumping;
- dressage;
- polo;
- horseball.

Veterinary expenses and damages involving the animal are not covered.

Our insurance focuses on your physical protection and repatriation in the event of an accident.

Yes, our insurance also covers emerging sports and modern disciplines.

Our contract may notably cover:

- E-Sports;
- Speedcubing;
- Parkour;
- Chase Tag;
- Streetboarding.

To be covered, simply select the relevant discipline from the sports list during your quote or subscription process.

Your coverage is valid worldwide, except in countries affected by war or major political instability.

This may notably include:

- civil or foreign wars;
- riots;
- public uprisings;
- major travel restrictions.

Before traveling, we recommend checking the security situation of your destination country.

In the event of country closure or serious security issues, the insurance will not be able to intervene.

Yes, we also cover many unusual disciplines and original motorsports.

Our catalog may notably include:

- Soapbox racing;
- Tractor Pulling;
- Drag Racing;
- Drifting;
- Fol'Car;
- Traine-cul surprise traditional races.

During your quote request, simply search for the exact name of your discipline in our search engine.

Yes, we cover disciplines related to mechanical control and stunt riding.

Our insurance may notably cover:

- Motorcycle Stunt riding;
- Gymkhana;
- Motorcycle Drift;
- Supermoto.

These activities must strictly take place on authorized areas or on a track.

During your quote request, make sure to select the exact discipline practiced.

Yes, our insurance also covers regional and traditional sports disciplines.

Our contract may notably include:

- Basque Pelota;
- Nautical Jousting;
- Basque Strength;
- Camargue Racing;
- Tug of War;
- Breton Wrestling (Gouren).

During your quote request, simply search for the exact name of your discipline.

If you participate in official tournaments or competitions, remember to subscribe to the “Competition” option.

Our insurance protects the participant, but does not cover the animal.

You are covered for bodily injuries during animal-related sports such as:

- Ski Joëring;
- Agility;
- Pony Games;
- Carriage Driving;
- Canicross.

Veterinary expenses and injuries involving the animal are not covered by the contract.

Our insurance focuses on your physical protection in the event of an accident.

No, our insurance covers accidents, but not border closures or administrative restrictions.

Coverage applies worldwide except in countries or areas subject to:

- travel restrictions;
- official quarantine zones;
- war situations;
- major political instability;
- restrictions for health, security, or weather-related reasons.

If an area is officially prohibited or heavily restricted by authorities, the insurance will not be able to intervene.

Yes, we cover wellness disciplines and gentle sports activities such as:

- Yoga;
- Pilates;
- Nordic Walking.

Even during activities considered low-impact sports, accidents such as a wrong movement or a fall may occur.

Yes, we also cover precision leisure activities such as:

- Golf;
- Pétanque;
- Bowling;
- Billiards;
- Darts.

These activities are covered both in France and abroad under our worldwide coverage, excluding restricted areas.

You are therefore protected in the event of an accident during the activity or while traveling for its practice.

Yes, we cover activities practiced at sea, on rivers, or in isolated environments such as:

- Sport Fishing;
- Spearfishing;
- Freediving.

Even without a serious injury, a rescue operation in a remote or difficult-to-access area may generate significant costs.

Our contract includes search and rescue expenses up to €50,000.

Yes, we cover activities practiced indoors or outdoors such as:

- Cross Training;
- Bodybuilding;
- Fitness;
- Weightlifting;
- Powerlifting.

In the event of an injury during practice, we may cover medical expenses remaining at your charge, such as consultations or X-rays.

Coverage may also include rehabilitation expenses up to €350 after surgery or a fracture.

Yes, we also cover modern team sports and emerging disciplines such as:

- Ultimate Frisbee;
- Kin-ball;
- Tchoukball;
- Dodgeball;
- Touch Rugby.

If you participate in tournaments involving rankings or rewards, you must subscribe to the “Competition” option during your registration.

Yes, we cover the practice of Billiards in all its forms as well as Darts.

This notably includes:

- American Pool;
- English Pool;
- French Billiards;
- Snooker.

In addition, the “Luggage” option helps protect your personal belongings while traveling to competitions or practice locations.

Yes, we cover all racket sports, including the most intensive disciplines.

This notably includes:

- Padel;
- Squash;
- Badminton;
- Speed-ball;
- Table Tennis.

Coverage remains valid during training camps or sports trips, including abroad, outside excluded areas.

In the event of an injury during practice, we may cover your medical expenses.

Yes, we cover many water leisure activities such as:

- Stand Up Paddle;
- Canoeing and Kayaking;
- Freediving (snorkeling/apnea);
- Pedal Boats.

In the event of an accident or difficulties at sea, our contract may include search and rescue expenses up to €50,000.

This guarantee notably helps cover the intervention of rescue services in remote areas or offshore.

Yes, we also cover several team and artistic disciplines such as:

- Cheerleading;
- Tug of War;
- Majorettes;
- Sport Dance.

These activities often involve competitions, festivals, or ranked events.

In such cases, subscribing to the “Competition” option is required to ensure coverage during these events.

Yes, we cover target sports such as:

- Archery;
- Blowgun shooting;
- Darts;
- Jukskei.

Even in these disciplines, an accident can happen, such as a hand injury or a fall.

We may cover your remaining medical expenses.

Yes, the practice of Slackline is covered provided certain safety rules are respected.

Slackline is covered up to a maximum height of 1.60 meters.

For Highline practice, you must be secured to a safety line at all times.

If these conditions are respected, we may cover your medical expenses and repatriation in the event of a fall.

Yes, we cover several ice sports and precision disciplines such as:

- Curling;
- Eisstock;
- Ice Dancing;
- Figure Skating.

Our contract also allows you to insure multiple people or an entire club to cover travel related to training sessions or tournaments.

If rankings or official competitions are involved, subscribing to the “Competition” option is required.

Yes, our contract may include search and rescue expenses for the insured person up to €50,000.

An additional guarantee may also cover up to €1,200 for search, rescue, or towing expenses involving nautical equipment such as:

- surfboards;
- windsurf boards;
- jet skis;
- kitesurf equipment.

Yes, we also cover many outdoor games and leisure activities such as:

- Croquet;
- Boomerang;
- Lawn Bowls;
- Shuffleboard games;
- Nine-pin bowling.

These activities are covered both in France and abroad, outside excluded areas.

Insured persons listed on the contract may benefit from coverage in the event of an accident during practice.

Yes, we also cover certain tourist and unusual activities such as:

- Camel Racing;
- Dog Sled Racing;
- Chariot Racing.

The driver as well as the passenger insured under the contract may benefit from coverage for their bodily injuries.

However, the animal is not covered by the contract and veterinary expenses are not included.

AxeoSport is a sports insurance for leisure and competition activities offered by AxeoSport (Assure Ton Sport group policy GSL No. ADP20181710), insured by Groupama Rhône-Alpes Auvergne through Groupe Special Lines.

The 24/7 medical assistance is operated by Mutuaide (Groupama Assistance).

Our insurance may cover:

- accidents;
- medical expenses;
- repatriation;
- trip cancellation;
- trip interruption.

Coverage applies to the practice of hundreds of sports, both in France and abroad.

By default, accidents occurring during official competitions organized by a sports federation are not covered by the standard contract.

To benefit from this coverage, you must subscribe to the “Competition” option.

This option notably covers:

- tournaments;
- matches;
- races;
- rallies;
- regattas;
- fights;
- challenges and contests;
- exhibitions.

Professional sports activities are not covered by the standard contract.

Professional athletes must subscribe to the “Professional Athlete” option.

This option is designed for high-level athletes during:

- training sessions;
- competitions;
- championships.

Your sports insurance subscription is completed entirely online in just a few minutes.

To ensure proper coverage, follow these steps:

1. Choose your plan and options
Select the coverage adapted to your activity:

- Classic Plan;
- Motor Sports;
- Air Sports.

Add the options suited to your practice.
The “Competition” option is mandatory for official events, races, or tournaments organized by a sports federation.

2. Enter your dates and destination country
Coverage applies only in the country declared during subscription and for the period specified in your contract.

3. Declare the sports practiced accurately
For activities with Specific Pricing (identified by ** in our sports list), you must explicitly select the exact discipline during subscription.

Without this declaration, coverage will not apply to these activities.

4. Confirm and pay your contribution
Payment is made online by credit card.

Coverage starts on the date and time indicated on your certificate, subject to payment confirmation.

⚠️ Trip cancellation coverage
To benefit from the trip cancellation guarantee, your insurance must be subscribed:

- on the same day as your booking;
- or no later than 15 days before departure.

Once payment is confirmed, you immediately receive your Membership Certificate.

By default, AxeoSport coverage applies only during sports activities.

To also be protected during your travels, visits, and free time abroad outside of sports activities, you must subscribe to the “Private Life” option.

This option extends your coverage to your entire stay.

In the event of a trip cancellation before departure for a covered reason, AxeoSport may reimburse your cancellation fees related to:

- hotels;
- vacation rentals;
- sports camps and lessons;
- ski lift passes;
- sports equipment rentals.

The reimbursement limit and deductible depend on the coverage level selected during subscription.

Two coverage levels are available:

- Option 1: serious accident related to sports practice requiring hospitalization, or death resulting from a sports accident;

- Option 2: any serious accident requiring hospitalization, or death resulting from an accident, with broader coverage.

If the cancellation reason already existed and was known at the time of subscription, no compensation will be granted.

This accident insurance is intended for anyone wishing to protect themselves against the consequences of a private life accident, in England and abroad.

Coverage may apply to accidents occurring:

- during a sports activity;
- in daily life;
- at school;
- at home;
- while traveling.

This insurance is suitable for:

- adults;
- children and students;
- sports enthusiasts;
- families;
- people practicing in clubs or competitions.

Several plans allow coverage to be adapted according to:

- your level of practice;
- your age;
- the guarantees selected;
- the insured capital.

Coverage may include:

- permanent disability;
- death benefits;
- medical expenses;
- healthcare costs;
- assistance services.

Unlike standard health insurance, this policy mainly covers bodily injuries caused by an accident.

It can complement existing home insurance, school insurance, or health coverage.

A quote allows you to compare plans and choose the most suitable solution for your needs.

When a sports accident occurs, personal accident insurance helps protect the insured against the consequences of bodily injuries related to sports activities.

Coverage may apply during:

- a leisure sport activity;
- a school activity;
- a club training session;
- a sports trip.

Depending on the selected plan, the insurance may include:

- unreimbursed medical expenses;
- assistance and repatriation;
- compensation for permanent disability;
- an accidental death benefit;
- certain costs linked to the interruption of a sports stay.

This sports accident insurance helps deal with the physical and financial consequences of an accident, even when no third party is responsible.

Coverage may apply in daily life, during supervised or unsupervised sports activities, in England and abroad.

This insurance is particularly suitable for:

- sports enthusiasts;
- children and students;
- families.

It can complement existing health insurance or home insurance.

The price depends on the coverage selected, compensation levels, and the activities practiced.

A personalized quote allows you to adapt the coverage to your needs.

Yes. Personal accident insurance applies to a very wide range of sports and sporting activities, whether practiced for leisure, at school, in a club, or during everyday activities.

Coverage applies to:

- individual sports;
- team sports;
- activities practiced indoors or outdoors.

Certain activities, such as:

- competitions;
- tournaments;
- official events;
- or activities involving a higher level of risk,

require the activation of a specific option during subscription in order to adapt:

- the coverage guarantees;
- the compensation level;
- the insured capital.

The insurance contract specifies the list of covered sports, the application conditions, and any restrictions related to:

- age;
- the level of practice;
- or the frequency of activity.

These details are provided in the General Terms and Conditions to ensure full transparency before requesting a quote.

This flexibility allows adults, children, occasional athletes, and regular sports practitioners to benefit from protection adapted to the consequences of sports accidents.

Yes. During training sessions, regular sports practice, or supervised sports activities, coverage is included in the standard personal accident insurance contract.

Coverage notably applies to:

- leisure sports;
- club training sessions;
- sports activities at school;
- activities within an association.

However, for:

- competitions;
- official matches;
- races;
- tournaments;
- or certain recognized sporting events,

subscription to the “Competition” option is required.

This option makes it possible to adapt:

- the coverage guarantees;
- the compensation level;
- the insured capital,

to the specific risks linked to more intensive sports practice.

Details of the covered activities and applicable conditions are specified in the General Terms and Conditions to help you choose the plan best suited to your sports activities.

PlanPlans 1, 2, and 3 mainly differ according to the level of coverage and the compensation limits included in the contract.

The higher the selected plan, the greater the financial protection in the event of an accident.

A higher-level plan may notably provide:

- a higher insured capital in case of permanent disability;
- increased compensation in the event of accidental death;
- better coverage of medical expenses and healthcare costs;
- enhanced support following an accident.

This system of progressive plans allows:

- adults;
- children;
- occasional athletes;
- regular sports practitioners,

to choose personal accident insurance adapted to their sports activities, personal situation, and budget.

The price varies according to the selected plan: the higher the guarantees, the greater the potential compensation level.

A personalized quote allows easy comparison of the available plans and helps choose the solution best suited to your needs and those of your family.s 1, 2, and 3 differ primarily in terms of the level of cover and the compensation limits set out in the policy. The higher the plan chosen, the greater the financial protection in the event of an accident. In practice, a higher plan provides : — a higher guaranteed capital in the event of permanent disability (AIPP), — a higher amount paid in the event of accidental death, — better coverage of medical expenses and care, — enhanced support following an accident, in particular to deal with physical or psychological consequences. This system of progressive plans allows everyone, adult, child, occasional athlete, or regular practitioner, to choose an individual accident insurance policy consistent with their situation, their level of sporting activity, and their budget. The individual accident insurance premium varies according to the plan selected: the higher the cover, the greater the potential level of compensation. A personalised quote makes it easy to compare the offers and take out the most suitable solution for your needs and those of your family.

When an accident occurs abroad and requires hospitalization, the assistance service supports the insured throughout the situation.

Depending on the guarantees included in the contract, a medical repatriation may be organized if the insured’s health condition justifies it.

When hospitalization lasts several days, the travel of a relative may also be arranged in order to provide moral and practical support to the insured and their family.

This assistance is especially important during a stay abroad, where managing an accident may become more difficult.

The assistance services, duration of support, and intervention conditions depend on the selected plan.

The cost of the accident insurance takes these assistance services into account, helping the insured face the consequences of an accident abroad more calmly.

A personalized quote allows you to choose coverage adapted to your travels, your sports activities, and your protection needs outside England.

Yes. When a sports-related event causes a permanent limitation, whether total or partial, a financial compensation payment may be provided to support the insured over the long term.

The amount of compensation depends notably on:

- the selected coverage level;
- the contract compensation limit;
- the degree of impairment assessed.

The evaluation is based on a scale defined in the applicable conditions, making it possible to assess the actual impact on:

- autonomy;
- daily life;
- the ability to continue a personal or professional activity.

The most comprehensive plans provide access to higher compensation levels in order to deal with the long-term consequences of an accident.

These consequences may be:

- physical;
- functional;
- or related to a significant reduction in quality of life.

The cost of the personal accident insurance varies according to the desired level of protection.

A personalized estimate helps identify the solution best suited to your situation, your sports activities, and your long-term protection needs.

If a sports accident forces you to interrupt your stay, the guarantee may provide pro rata reimbursement for certain expenses already incurred.

This may notably include:

- ski lift passes;
- sports lessons;
- sports equipment rentals.

Reimbursement is provided within the limits and conditions specified in the contract.

No, this option is absolutely not mandatory.

A first level of trip cancellation coverage (Option 1) is already included in the standard contract.

This guarantee may apply in the event of:

- trip cancellation;
- following a serious sports-related accident requiring hospitalization;
- or in the event of death.

For broader protection, an additional Option 2 may be subscribed.

This option provides extended coverage for any serious accident requiring hospitalization, even when unrelated to sports activities.

Subscription to this additional option remains entirely optional.

Yes, with the “Private Life” option, coverage may be extended outside sports activities.

This extension may notably apply:

- during your travels;
- during your stays abroad;
- during certain daily life activities.

This protection may also apply to family members insured under the contract.

The “Private Life” option is available only with certain daily plans.

Yes, a specific option is available for professional athletes.

It is intended for:

- high-level athletes;
- participants in competitions;
- participants in championships;
- or athletes involved in intensive training sessions.

This option allows the coverage to be adapted to the risks associated with intensive sports practice.

The choice of plan mainly depends on:

- your frequency of practice;
- the type of sport practiced;
- your level (leisure, competition, or professional);
- and the desired level of protection.

If in doubt, it is recommended to:

- compare the compensation limits;
- consult the General Terms and Conditions;
- and review the guarantees adapted to your sports activities.

This helps you choose the plan best suited to your situation and your needs.

Full details of the coverage guarantees, compensation limits, exclusions, and application conditions are available in the General Terms and Conditions.

They are accessible:

- directly at the bottom of the website pages;
- and are also sent by email with every quote request or subscription.

No. Unlike a traditional personal accident policy, the AxeoSport contract applies exclusively during the practice of sports and leisure activities.

Whether you practice your sport:

- within a club;
- through an association;
- or independently in the outdoors,

you benefit from coverage specifically designed for sports-related accidents.

The contract does not cover accidents occurring during everyday civil, social, or school activities, unless a specific guarantee expressly provides otherwise.

AxeoSport insurance is available for athletes and sports enthusiasts aged 0 to 70 years old, subject to compliance with the subscription conditions set out in the contract.

Minors may be insured through their legal representative, while adults may subscribe directly for their sports activities, leisure activities, or travel.

Whether you are:

- a young athlete;
- an adult practicing sports occasionally or regularly;
- or a senior wishing to continue enjoying your passion,

AxeoSport provides coverage adapted to your sports activities in England and abroad.

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. AxeoSport insurance covers trail running, ultra-trail events, nature races, mountain trails, endurance races in natural environments and many other running disciplines listed in our General Terms and Conditions.

Whether you participate in a local trail race, a trail marathon, an ultra-trail covering dozens or hundreds of kilometres, a mountain race or an event abroad, you can benefit from protection adapted to your sporting activity.

The main guarantees offered include:
• a sports accident insurance policy (personal accident cover);
• 24/7 assistance and repatriation services;
• emergency medical expenses abroad;
• legal protection;
• a capital benefit for permanent disability or accidental death.

The subscription process is completed entirely online in less than two minutes and provides immediate access to your insurance certificate and assistance card.

This insurance is suitable for both occasional runners and dedicated trail running and ultra-trail enthusiasts seeking protection during training sessions, competitions and sporting trips in the United Kingdom and abroad.

Before registering for an event, it is recommended to check the insurance requirements imposed by the organiser. Proof of insurance may be requested when collecting race numbers or participating in certain competitions.

Assistance guarantees can only be activated with the prior approval of Groupama Assistance.

If you make decisions or incur expenses on your own initiative (transport, hospitalization, etc.), these expenses will not be reimbursed.

The repatriation decision, the choice of transportation, and the hospitalization location are exclusively determined by the Groupama Assistance doctors, in coordination with the local doctor and, if necessary, your family.

Yes. After a sports accident, accident insurance may help cover hospital expenses, within the compensation limits defined by the selected plan.

Depending on the contract, coverage may notably include:

- unreimbursed healthcare expenses;
- hospitalization costs;
- functional rehabilitation;
- physiotherapy sessions required for recovery;
- certain additional hospital treatments prescribed after the accident.

The reimbursement level depends on:

- the insured capital;
- the selected guarantees;
- and the chosen plan.

The most comprehensive plans provide broader coverage to reduce the financial impact of the physical consequences of an accident on daily life.

A personalized quote helps identify the plan best suited to your situation, your sports activities, and your healthcare needs.

By subscribing to our policy, you benefit from protection adapted to the risks of sports activities. In case of accident or bodily injury, our guarantees are designed to cover situations often excluded by standard policies. For details about coverage or compensation conditions, please refer to our General Terms, available at the bottom of our website and sent with your quote or subscription.

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