Water Sports Travel Insurance for New Zealand Travellers
Planning an overseas trip built around water, waves and adventure? Go Insurance New Zealand offers Water Sports optional cover that can be added during the quote process at goinsurance.co.nz — helping protect selected water sports equipment, boat hire fees, passes, lessons and excursions while you travel.
Cover is subject to the Policy Wording, limits, conditions and exclusions. Water Sports optional cover must be selected at time of purchase and shown on your Certificate of Insurance.
How Water Sports Optional Cover Works
Cover Designed for Water Sports Holidays
Water sports trips often involve more than just turning up at the beach. Whether you’re surfing, snorkelling, diving, paddle boarding or booking water-based lessons and excursions, your trip can mean specialist equipment, prepaid activity costs and weather-dependent plans.
Go Insurance Water Sports optional cover is designed to help protect your water sports equipment and prepaid activity costs while you travel as a New Zealander heading abroad.
What Water Sports Optional Cover May Include
Water Sports optional cover provides selected benefits for water-based travel activities and equipment. Subject to the applicable limits, conditions and exclusions in the Policy Wording.
Who Should Consider Water Sports Cover?
Water Sports optional cover is worth considering if any of these apply to your upcoming trip.
What Does “Water Sports Equipment” Include?
For the purposes of Water Sports optional cover, Water Sports Equipment includes:
Equipment may be owned or hired for the trip. Cover is subject to Policy Wording conditions.
Water Sports as an Activity — What’s Automatically Covered
Many recreational water activities are automatically included as covered sport and leisure activities under a standard Go Insurance policy — including surfing, snorkelling, scuba diving, stand-up paddle boarding, swimming, jet skiing, parasailing and windsurfing, subject to the relevant terms, conditions and exclusions.
Scuba diving is covered subject to certain conditions — please read the Policy Wording for full details.
Water Sports optional cover is specifically designed for equipment, equipment hire, unused boat hire fees, passes, lessons and excursions — not medical cover for water sports injuries, which is already included. If your trip is built around boating, our Sailing Insurance may also be worth a look.
How to Add Water Sports Optional Cover
Adding water sports cover to your Go Insurance NZ policy is straightforward — just follow these steps during the quote process.
Get a Quote
Start your quote at goinsurance.co.nz/quote/ and enter your travel details — destination, dates and traveller information.
Select Water Sports Cover
During the quote process, select Water Sports optional cover to add it to your policy. You cannot add this after purchase.
Confirm Your Certificate
Complete your purchase and check that Water Sports optional cover appears on your Certificate of Insurance before travelling.
Travel Confidently
Keep receipts, proof of ownership and booking confirmations for all equipment and prepaid fees — you’ll need these if you claim.
Things to Know Before You Travel
Like all travel insurance, Water Sports optional cover has limits, conditions and exclusions. Key things to be aware of:
Your Pre-Travel Checklist
Water Sports Travel Insurance — Frequently Asked Questions
Everything New Zealand travellers commonly ask about Water Sports optional cover with Go Insurance.
Does Go Insurance NZ cover water sports equipment?
Yes — Water Sports optional cover includes selected benefits for loss, theft or breakage of your own or hired water sports equipment, including snorkelling and scuba apparatus, surfboards, boogie boards, water skis and wetsuits. Water Sports optional cover must be selected during the quote process and shown on your Certificate of Insurance.
Is scuba diving covered?
Scuba diving is listed as a covered activity subject to certain conditions set out in the Policy Wording. Medical treatment for an injury sustained while diving may be covered under the standard policy, while your diving equipment is covered under Water Sports optional cover. Read the Policy Wording for full details.
Are unused boat hire fees covered?
Yes — in selected circumstances. Water Sports optional cover can compensate you for each 24-hour period a pre-booked hire boat cannot be used due to injury, illness or inclement weather. Cover is subject to the limits, conditions and exclusions in the Policy Wording. Keep proof of any prepaid boat hire.
What happens if my equipment is delayed by the airline?
Water Sports optional cover includes Water Sports Equipment Hire if your equipment is lost, stolen, damaged or delayed for more than 12 hours while travelling. This helps ensure you can still take part while your gear is being recovered or replaced. Keep the airline’s written report of the delay.
Is recreational water sport automatically covered under Go Insurance?
Yes. Many recreational water activities — such as surfing, snorkelling, swimming, paddle boarding and windsurfing — are automatically included as covered sport and leisure activities under a standard Go Insurance NZ policy, subject to the terms and exclusions. Water Sports optional cover is designed specifically for equipment, hire, unused boat hire fees, passes, lessons and excursions.
What is not covered?
There is no cover for water sports equipment aged over five years, equipment carried on a vehicle roof rack, or equipment while it is in use. Other limits, conditions and exclusions also apply. Read the Policy Wording before purchasing. If you do need to claim, see our claims support page for step-by-step guidance.