This article explains the guarantees of the Multisport policy, with the applicable limits, activation conditions and claim procedures.
Multisport is underwritten by Axeria IARD S.A. The limits shown here are those of the Insurance Information Set currently in force (October 2025 edition). If you purchased your policy in the past from a different company, the limits of the Information Set delivered to you at the time of purchase apply.
⚠️ All guarantees are provided on a second-risk basis, in excess of any other insurance policy already in force taken out by the insured person or the policyholder.
Index
- 1. Third-party liability
- 2. Criminal bail advance and repatriation of remains
- 3. Emergency medical expenses
- 4. Specialist orthopaedic consultation
- 5. Search, rescue and recovery expenses
- 6. Reimbursement of passes, lessons and equipment rental
- 7. Companion during hospitalisation
- 8. Medical repatriation
- 9. Theft and total damage of sports equipment
- 10. Return of travel companions
- 11. Territorial validity
- 12. Main exclusions
- 13. Who to contact to activate a guarantee
- 14. Documents and Insurance Information Set
1. Third-party liability
What it covers
Physical injury caused to third parties by the insured person during the non-professional practice of a sports activity, provided it is a direct consequence of the incident.
Coverage limits
- Injury to third parties: € 500,000 — 10% deductible (minimum € 250)
- Damage to third-party property: € 50,000 — 10% deductible (minimum € 250)
Limits, deductibles and minimums apply per claim and per event.
⚠️ Damage to property is covered only where a third party has suffered physical injury in the same incident, and only in respect of property or animals belonging to the injured third parties themselves. If nobody is physically injured, material damage is not indemnifiable.
Who does not count as a third party
- the spouse, parents and children of the insured person, and any other relative, relative by marriage or cohabitant;
- members of the same group practising the covered sports activity together with the insured person, unless all members of the group are covered by the policy.
Important
- Claims must be filed at dsw.24hassistance.com.
- If a claim for damages is brought against you, inform the Claims Management Company immediately.
2. Criminal bail advance and repatriation of remains
Criminal bail advance — what it covers
If you are arrested or threatened with arrest for an offence against the legislation of a foreign country during the non-professional practice of your sports activity, the Company advances the criminal bail you are required to pay to the authorities, where you cannot provide it yourself.
Coverage limit
€ 5,000 per claim and per event.
Important
The amount must be repaid within one month of the Company’s request for reimbursement. You must designate a person who, in Italy, makes the amount available to the Claims Management Company. Currency transfers breaching applicable regulations are excluded.
Repatriation of remains — what it covers
In the event of death during the sports activity, the Company arranges and bears the cost of transporting the body to the place of burial nearest to the insured person’s residence, together with the return of family members taking part in the same trip and covered by the same policy.
Coverage limit
€ 1,500 per claim and per event for the compulsory services relating to the transport.
3. Emergency medical expenses
What it covers
Emergency medical expenses following an injury sustained during the non-professional practice of the sports activity.
Coverage limit
€ 1,500 per claim and per event.
Important
- Only expenses incurred immediately after the incident are reimbursable, that is within the 24 hours following the injury. Expenses incurred after 24 hours are not covered.
- You may attend any medical facility you choose: the guarantee imposes no restriction as to the facility.
- Claim submission via dsw.24hassistance.com.
4. Specialist orthopaedic consultation
What it covers
A second, qualified medical opinion through a teleconsultation service provided by the Company’s network of specialists in orthopaedics and traumatology.
Coverage limit
Full cost — one teleconsultation service.
Important
- The service must be requested within 7 days of the date of the incident.
- It is provided only for injuries of an orthopaedic and traumatological nature occurring during the sports activity: other injuries and conditions are excluded (for example a broken nose or head trauma).
- You must provide the documentation of the first medical assessment received.
- Activation through the Claims Management Company on +39 02 20564 441 or via WhatsApp. Doctors reply within 3 working hours of receiving the documents. The service runs every day, from 10:00 to 18:00.
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 authorised specialised public or private bodies, following an incident or injury during the non-professional practice of the sports activity, or where the insured person has been declared missing.
Coverage limit
€ 25,000 per claim and per event.
Important
- In the event of an accident, contact the rescue service or emergency numbers — not 24hassistance.
- Always obtain the official rescue report.
- The guarantee applies only where the search and rescue service is provided on a chargeable basis: where a free public rescue service intervenes, no reimbursable expense arises.
- Ordinary helicopter rescue expenses fall within the same € 25,000 limit, with no separate sub-limit, and are covered where the intervention is made necessary by the insured person’s serious medical condition.
6. Reimbursement of passes, lessons and equipment rental
What it covers
Following an injury preventing the insured person from practising the sports activity, the Company reimburses season passes, lessons and sports equipment rental not used, on a pro rata temporis basis — that is, only for the days of injury during which the pass, lessons or rented equipment could not be used.
Coverage limit
€ 2,000 per claim and per event.
Important
The condition and the period of injury must be certified by a doctor, and the condition must be documented by an instrumental examination verifiable by the Company’s medical officer. Claim submission via dsw.24hassistance.com.
7. Companion during hospitalisation
What it covers
Where an injury requires admission to a healthcare facility, the Company arranges and bears the travel cost of a companion to accompany the insured person to the facility. If the stay lasts at least 7 days and nobody can remain with the insured person, the Company pays a return ticket for a person designated by the insured.
Coverage limit
Full cost — one transport service per event.
Important
The guarantee is activated through the Claims Management Company, not through the claims portal.
8. Medical repatriation
What it covers
Once the insured person is declared fit to travel, the Claims Management Company arranges transport home or to another hospital facility, based on the opinion of its own doctors.
Coverage limit
Full cost — one transport service per event.
Important
Depending on the nature and severity of the condition, transport may be by first-class train, couchette or sleeper, ambulance, scheduled flight or private air ambulance. The choice of means rests entirely with the Claims Management Company. Expenses are not covered if the service was not arranged by the Company.
9. Theft and total damage of sports equipment
What it covers
Total loss of the sports equipment through theft, or total damage following an accidental event occurring during the sports activity. The Company reimburses the value of the equipment within the sum insured.
Coverage limit
Sum insured stated in the policy, with a minimum of € 200 and a maximum of € 1,000 — 20% deductible (minimum € 100).
Important
- Optional guarantee: it applies only if purchased and stated in the policy, and is available only for Multisport Individual and Multisport Family.
- Only new equipment can be insured. Within 15 days of the purchase date you must upload to your Personal Area the documentation proving the purchase (invoice, itemised receipt, photograph of the items).
- You can insure up to 4 items with Multisport Individual and up to 10 with Multisport Family.
- The guarantee operates for up to 36 months from the equipment purchase date, provided the policy is in force.
- Depreciation applies to the indemnity: no depreciation within 3 months of purchase, 50% from 4 to 12 months, 30% from 13 to 24 months, 20% from 25 to 36 months.
- Not insurable: electronic devices (smartwatches, mobile phones, tablets), bicycles and their components or accessories, motor vehicles and their components or accessories — including where the Air sports or Motor sports extensions have been purchased.
10. Return of travel companions
What it covers
Where the members of the group travelling with the insured person, and covered by the same policy, are no longer able to return to their residence by the means of transport originally planned, the Company arranges and bears the cost of their travel tickets home.
Coverage limit
Full cost — one transport service per event.
Important
The guarantee is activated through the Claims Management Company, not through the claims portal.
11. Territorial validity
Territorial validity depends on the citizenship and residence of the policyholder:
- Italian citizen resident in Italy: cover is valid worldwide.
- Foreign citizen (even if resident in Italy) or Italian citizen resident abroad: cover is limited to amateur snow sports practised in Italy and in neighbouring countries where the ski pass is valid, and in all other cases to sports activity practised in Italy.
⚠️ Both conditions must be met: Italian residence alone does not extend cover to the rest of the world.
12. Main exclusions
- Participation on a professional basis or under a paid contract in official competitions organised by any sports federation, including training for such competitions (non-remunerated amateur competitive activity is covered).
- High-altitude mountaineering above 6,000 metres, bobsleigh, skeleton, caving.
- Air sports and motor sports, unless the relevant extensions have been purchased.
- Use of drugs, narcotics or medicines not prescribed by a doctor; alcohol abuse.
- Use or possession of weapons, including hunting and military weapons.
- Breach of legal provisions; participation in thefts, robberies or other crimes; intentional acts, wilful misconduct or gross negligence.
- Suicide or attempted suicide, self-harm.
- Strikes, riots, terrorism, war and similar events; earthquakes, floods, tidal waves and similar natural events; nuclear radiation and radioactive contamination.
- Third-party liability only: damage that is neither physical nor material; indirect damage; damage caused to members of the same group practising the activity with the insured person (unless all of them are covered by the policy); damage arising from the ownership, possession, use or driving of motor vehicles; claims where the insured person has settled with the injured party without the prior consent of the Claims Management Company.
- Emergency medical expenses only: expenses incurred more than 24 hours after the injury.
- Medical repatriation only: expenses where the service was not arranged by the Company.
- Specialist orthopaedic consultation only: all cases outside the orthopaedic and traumatological field.
The Insurance Information Set is authoritative for the complete list.
13. Who to contact to activate a guarantee
For medical repatriation, companion during hospitalisation, return of travel companions and orthopaedic consultation:
- Phone: +39 02 20564 441
- WhatsApp: https://chat.24h.fan
The Operations Centre is open 7 days a week, from 08:00 to 20:00.
For all other guarantees (reimbursements and claims): dsw.24hassistance.com
14. Documents and Insurance Information Set
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Documents required to file a claim:
Multisport — required documents -
Multisport Insurance Information Set (Axeria IARD):
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