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Embarking on an adventure? 6 things to keep in mind, including insurance

By Finserv MARKETS - Aug 13,2019
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Accident Insurance For Adventure Travel

In 2018, the Paragliding World Cup was held in Bir-Billing, a small town in Himachal Pradesh. A study conducted in the same year by Thrillophilia showed that the demand for activities and local experiences has jumped by 178 percent in the last three years. The adventure tourism market in the country is estimated to grow at a compounded rate of over 17 percent between 2017 and 2023.

All these things point towards a silent behavioural change in the Indian traveller. From being an activity reserved for a selected few just a few years ago, adventure activities like river rafting, paragliding and scuba diving have received widespread acceptance now. The safety standards have been spruced up and difficulty toned down to appeal to a larger audience. However, reports of mishaps and accidents at adventure sports sites come at regular intervals, which makes adventure insurance very important. Along with insurance, here are five other things to keep in mind before embarking on an adventure trip.


Accident Insurance For Adventure Travel

Source: Allied Market Research


A journey starts with proper knowledge. Similarly, before starting you should do comprehensive research on the activity or the place you plan to visit. Search for reputed hotels and activity organizers on the internet. There are many websites that can be consulted for timings and costs. Read up on the local culture and hygienic places to eat. Getting into a problem or roaming around with an upset belly is the last thing you want on a trip. Look at reviews of different establishments around the place or talk to a friend who has been to the place before. Having adequate information will enhance the quality of your journey.

Get Insured

If you are an adventure junkie in India, you will not find many insurance options. Only Bajaj Allianz provides adventure insurance in the country. With Bajaj Allianz Avid Adventure Cover, you can get insured against mishaps during adventure trips for as low as Rs. 745. The accident policy provides cover for air ambulance expenses and permanent total disability while participating in an adventure activity. In addition to adventure insurance, you should also purchase a travel insurance policy before starting the trip. You can purchase all your insurance plans from Finserv MARKETS, a simple, easy-to-use portal for financial products.

Put Safety First

Even though security standards have increased across adventure sites in India, there are still some gaps. If you see a buckle missing or a loose helmet, point it out and get it fixed. During an adventure trip, safety and well being should always be the primary concern as it takes just seconds for a good time to change into a harrowing experience. Always be alert and be prepared with security-related information before participating in any activity. If you are not satisfied don’t hesitate in asking for a licence or certification from the agency or the person in charge of the adventure activity.

Know Your Limitations

The physical requirements for adventure activities vary widely between different sports. It is important to know the limits of your mind and body and not participate in an activity that may be uncomfortable for you. There is a fine line between enjoying a new sport and detesting it. Be realistic and seek professional help before indulging in something you have no prior experience of.

Make Travel a Learning Experience

Going on an adventure trip or travelling, in general, can be a learning experience. From planning to packing to actually executing a trip teaches a lot. While travelling you are exposed to new cultures, meet new people and partake in new activities which can give valuable insights into your thought process. Don’t just rush through things, the main goal should be to feel and experience the new surroundings. All these things would be possible only if one is mentally free, which is why personal accident insurance is essential.

Be Ready with Documents and Money

When you step out of your comfort zone into unfamiliar territory, you should have all essential documents with you like passport, driving license and Aadhar card. If the place you are planning to visit has ATMs, then you can travel without a large amount of cash. Adventure activities are generally organised in remote locations which have minimal cash withdrawal infrastructure. It is always advisable to have an ample amount of cash while travelling to remote locations.


With proper planning and protection, the thrill of an adventure trip grows manifold. Adventure sports by nature are risky and purchasing an accident policy would be a prudent step before embarking on a journey. At Finserv MARKETS, you can browse through and buy the required accident insurance through a simple process.

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