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Guarantees and coverage of Multisport

All guarantees included in the Multisport policy

This article provides an overview of the main guarantees included in the Multisport insurance policy: coverage descriptions, limits, activation requirements and claim procedures. For all binding details, always refer to the official Information Set.

All guarantees are provided on a second-risk basis, in addition to any other policy already covering the same event.

Index
1. Third-party liability (RC)

What it covers
Unintentional bodily injury caused to third parties during the non-professional practice of a sports activity. Damage to third-party property is also covered, provided that the same accident caused bodily injury to that third party.

Limits and deductible
€500,000 per claim for personal injury — 10% deductible (min. €250)
€50,000 per claim for property damage — 10% deductible (min. €250)

Attention
- This guarantee does not cover liability arising from the ownership, possession, use or driving of motor vehicles.
- Claims must be submitted at dsw.24hassistance.com.

2.  Criminal Bail Bond Advance 

What it covers
If you are arrested or threatened with arrest for an offence under the law of a foreign country, committed during the non-professional practice of a sports activity, the Company advances the amount of the criminal bail bond.

Limits
€5,000 per claim and per event. The amount must be repaid within one month of the Company’s request.

Attention
Must be requested through the Claims Management Company. Services not authorised in advance are not indemnifiable.

3. Emergency medical expenses

What it covers
Reimburses medical expenses sustained within 24 hours of the injury.

Limits
€1,500 per claim and per event

Attention
You may use any medical practice or facility: there is no affiliation requirement. Only expenses incurred within 24 hours of the injury are reimbursable.

4.  Orthopedic Second Opinion 

What it covers
A qualified second medical opinion on orthopedic trauma, provided by teleconsultation through the Company’s network of specialists.

Attention
Must be requested within 7 days of the accident. Other types of injury or illness are excluded.

5.  Search, Rescue and Recovery Expenses 

What it covers
Ordinary search, rescue and recovery expenses for operations carried out by civil or military rescue organisations, or by specialised public or private bodies, following an accident during the sports activity, or if you are declared missing.

Limits
€25,000 per claim and per event

Attention
Ordinary helicopter rescue expenses are covered within this same limit, where necessitated by your serious medical condition. There is no separate sub-limit for helicopter rescue.
The guarantee applies only if the rescue service is provided on a chargeable basis: where a free public rescue service intervenes, no reimbursable expense arises.

6.  Refund of Passes, Lessons and Equipment Rental 

What it covers
Refunds passes, lessons or sports equipment rental that could not be used because of an injury, on a pro-rata basis for the days affected.

Limits
€2,000 per claim and per event

Attention
The injury and its duration must be certified by a doctor and documented by an instrumental examination that the Company’s medical officer can verify.

7.  Companion During Hospitalisation 

What it covers
Travel costs for one person to accompany you to the hospital where you are admitted. If your stay exceeds 7 days and nobody can remain with you, the Company also covers a return ticket for a person you designate.

Limits
Full cost — one transport service per event

Attention
Must be arranged in advance through the Operations Centre.

8.  Medical Repatriation 

What it covers
Organisation and payment of your transport home or to another medical facility, once you are declared fit to travel.

Limits
Full cost — one transport service per event

Attention
The service must be organised by the Company. Repatriation arranged independently is not reimbursable.

9.  Theft and Total Damage of Sports Equipment 

What it covers
The value of your sports equipment in the event of theft, or of total damage following an accident during the sports activity.

Limits
Sum insured stated in the policy, between €200 and €1,000 — 20% deductible (min. €100)

Attention
Optional guarantee, available only for Multisport Individuale and Multisport Famiglia.
Only new equipment is insurable: proof of purchase must be uploaded to your Reserved Area within 15 days of the purchase date.
The guarantee applies for up to 36 months from the purchase date, with a depreciation scale.
Electronic devices, bicycles and motor vehicles cannot be insured.

10. Return of Travel Companions 

What it covers
Travel costs for the members of your group, covered by the same policy, if they can no longer return home by the transport originally planned.

Limits
Full cost — one transport service per event

11.  Repatriation of Mortal Remains 

What it covers
Organisation and costs of transporting the mortal remains to the place of burial nearest the place of residence.

Limits
€1,500 per claim and per event

12.  Optional Extensions 

What it covers
Two categories of activity are excluded from the standard policy and can only be covered by purchasing the corresponding extension, against an additional premium: Air sports and Motor sports, which include enduro, trail riding and any off-road motorcycling.

Limits
The guarantees operate with the same limits and conditions as the standard policy.

Attention
Extensions can be purchased only when the policy is taken out or renewed: they cannot be added during the policy year. If the extension has not been purchased, no guarantee operates for that activity.
Even with the Motor sports extension, third-party liability covers only claims caused by motor vehicles that are not subject to compulsory motor liability insurance (RCA) by law.

13. Territorial validity

Territorial validity depends on citizenship and residence:

Italian citizens resident in Italy: coverage valid worldwide.
Foreign citizens, even if resident in Italy, and Italian citizens resident abroad: coverage is limited to amateur snow sports practised in Italy and in neighbouring countries where the Skipass is valid; in all other cases, to sports activity practised in Italy.

⚠️ The determining factor is citizenship: residence in Italy alone does not extend coverage worldwide.

14. Main exclusions
  • Participation on a professional basis or under a paid contract in official competitions organised by sports federations, including training for such competitions. Amateur competitive activity, not remunerated, is covered.
  • High-altitude mountaineering above 6,000 metres, bobsleigh, skeleton, caving.
  • So-called “adventure” trips and raids, unless declared in advance to the Company and the risk formally accepted.
  • Trips involving a stay of more than 3 consecutive months away from the place of residence.
  • Air sports and motor sports, unless the corresponding extensions have been purchased.
  • Use of drugs or narcotics, and alcohol abuse.
  • Sports activities requiring a permit or licence (for example hunting), or compulsory insurance by law, with the exception of downhill skiing under Legislative Decree 40/2021.
  • Compulsory third-party motor liability (RCA).
  • Failure to comply with legal provisions.
  • Services not authorised in advance by the Company.
15.  Which Number Should I Call to Activate a Service? 

For companion during hospitalisation, medical repatriation, return of travel companions, criminal bail bond advance, repatriation of mortal remains and orthopedic second opinion:

Phone: +39 02 20564 441 — WhatsApp: chat.24h.fan
Open 7 days a week, 08:00–20:00.

For all other guarantees: dsw.24hassistance.com 

16. Documents and Insurance Information Sets