You like extreme sports and the adrenaline kick of adventures but don’t want to leave your family with a burden if the worst case happens. It’s impossible for extreme sports athletes to find cover easily for sports like Base Jumping or SkyDiving. Most insurance packages limit policy cover to 2,500m so rule out trekking and mountain biking through Nepal or the Alps. Basic travel insurances exclude watersports and open water activities, so KiteSurfing and Offshore Sailing are out. Racing and competitive sports, often the reason for travel are prohibited. To access insurance cover for these types of risk, multiple add ons are required for special packages which rack up high costs for consumers. The whole process of finding the appropriate cover is difficult and rarely does it meet all of your needs, athletes often will have areas where they don’t have a cover and choose not to extend this because it only is required for 5 hours during their trip. Policies are not written in plain English. When you ask consumers what they think about their insurance company, people rank them as one of the most hated industries behind pay TV and telecommunications.