Cestovní pojištění pro rizikový sport je drahé.

Because it agrees with pojištění, which is a neuter singular noun.

In Czech, adjectives change their endings to match the noun in:

• gender
• number
• sometimes case

Here:

• pojištění = neuter singular
• so the adjective must also be neuter singular
• drahý becomes drahé

A quick comparison:

• drahý sport = an expensive sport masculine
• drahá dovolená = an expensive holiday feminine
• drahé pojištění = expensive insurance neuter

Because sport is a masculine inanimate singular noun, and rizikový must agree with it.

So:

• rizikový = masculine singular
• sport = masculine singular

Also, after pro, Czech uses the accusative case. But for many masculine inanimate nouns, the accusative looks the same as the nominative.

So:

• nominative: rizikový sport
• accusative: pro rizikový sport

That is why the form does not visibly change here.

Pro usually means for.

In this sentence, it means that the insurance is intended for a certain purpose or activity:

• pojištění pro rizikový sport = insurance for a risky sport / for risky sports activity

A very important grammar point:

• pro takes the accusative case

That is why the noun phrase after it is in the accusative, even though in this sentence the forms happen to look the same as the dictionary forms.

Czech often uses the singular where English might prefer the plural.

So pro rizikový sport can be understood more generally, like:

• for risky sport
• for a risky sport
• for risky sports activity

It does not necessarily mean only one specific sport in a strict sense. It can sound like a general category.

That said, Czech can also use the plural in other contexts:

• pro rizikové sporty

That would sound more explicitly like for risky sports.

Yes, absolutely.

Both are possible, but they can feel slightly different:

• pro rizikový sport
  more category-like, a bit more general or label-like

• pro rizikové sporty
  clearly plural, explicitly for risky sports

In real-life usage, both may appear depending on style and context. Insurance websites often use whichever sounds more natural in their wording.

The sentence structure is:

• Cestovní pojištění pro rizikový sport = the subject noun phrase
• je = is
• drahé = predicate adjective, describing the subject

So grammatically, the whole subject is not just pojištění, but the longer phrase:

• Cestovní pojištění pro rizikový sport

And the sentence says that this thing is expensive.

Because Czech has no articles.

English distinguishes:

• a risky sport
• the risky sport

Czech does not do this with separate words. It simply says:

• rizikový sport

The exact meaning depends on context.

So in this sentence:

• Cestovní pojištění pro rizikový sport je drahé.

could be understood in English as:

• Travel insurance for a risky sport is expensive
• Travel insurance for risky sport is expensive
• sometimes even The travel insurance for a risky sport is expensive, if the context makes it definite

In the present tense, Czech normally does use je in this kind of sentence.

So:

• Cestovní pojištění ... je drahé. = correct

Leaving out je here would sound unnatural in standard Czech.

Czech sometimes omits forms of to be in informal styles, headlines, or very compressed expressions, but in a normal full sentence like this, je should stay.

It is a two-word noun phrase:

• pojištění = insurance
• cestovní = travel, traveling-related

So:

• cestovní pojištění = travel insurance

This is a very common Czech pattern:

• adjective + noun

Examples:

• zdravotní pojištění = health insurance
• životní pojištění = life insurance
• cestovní pojištění = travel insurance

Rizikový sport is understandable and natural, especially in insurance or formal contexts.

Depending on context, Czech might also use:

• extrémní sport = extreme sport
• adrenalinový sport = adrenaline sport / adventure sport

But rizikový sport is especially suitable when talking about insurance, safety, or legal/official classification, because it emphasizes risk.

So in an insurance sentence, it fits well.

A simple pronunciation guide for English speakers:

Cestovní pojištění pro rizikový sport je drahé.

Approximate pronunciation:

• Cestovní ≈ tses-tov-nyee
• pojištění ≈ po-yish-tyeh-nyee
• pro = pro
• rizikový ≈ ri-zi-ko-vee
• sport = sport
• je ≈ ye
• drahé ≈ drah-heh

A few useful sound notes:

• c in Czech is always like ts
• j is like English y
• š is like sh
• č would be like ch in chair
• í and ý are long vowels

The stress in Czech is usually on the first syllable of each word:

• CEStovní
• POjištění
• RIzikový
• DRAhé

Yes, Czech word order is more flexible than English, because cases show grammatical relationships.

The neutral order here is:

• Cestovní pojištění pro rizikový sport je drahé.

But other word orders are possible for emphasis, for example:

• Drahé je cestovní pojištění pro rizikový sport.
• Pro rizikový sport je cestovní pojištění drahé.

These all keep roughly the same basic meaning, but the emphasis changes.

For a learner, the original sentence is the safest and most neutral version.