Activity Guide

see which activities we cover

Activity Packs

Unlike other policies we cover many sports and activities as standard, no additional premium is required for activities listed as those covered as standard. We have categorised the activities that are not covered as standard into three further bands. If you do not see your chosen activity, do not worry, we may cover it, but you must contact us so we can discuss the activity and what, if any additional premium is necessary. The activities covered are on a ‘non incidental basis’ – meaning that your chosen activity is not the sole purpose of your trip (with the exception of winter sports whereby you can opt to have specific winter cover included to cover you for the entire duration of your trip). 

There is no cover under Section 5 – Legal and Liability from the policy wording for sports or activities marked with *

Sports and Activities Covered as standard without charge:

Abseiling (Within Organisers Guide-Lines), *Administrative, Clerical Or Professional Occupations, Aerobics, Airboarding, Archaeological Digging, Archery, Athletics, Badminton, Banana Boating, Baseball, Basketball, *Battle Re-Enactment, Beach Games, Billiards/Snooker/Pool, Body Boarding (Boogie Boarding), Bowls, Breathing Observation Bubble (Bob), *Camel Riding (No Personal Liability Cover), *Camp America – Counsellor, Canoeing (Up To Grade 2 Rivers), *Catamaran, Sailing (If Qualified And No Racing Or Liability Cover), *Clay Pigeon Shooting (No Liability Cover), Climbing (On Climbing Wall Only), Cricket, Croquet, Cross Country Running (Non-Com-Petitive), Curling, Gaelic Football - Not Main Purpose Of The Trip, *Glass Bottom Boats/Bubbles (No Liability Cover), *Go Karting (Within Organisers Guidelines And No Liability Cover), Golf, Handball, *Hobie Catting (If Qualified And No Liability Cover), Horse Riding (Excluding Competitions, Racing, Jumping And Hunting), Hot Air Ballooning (Organised Pleas­ure Rides Only), *Hovercraft Driving/Passenger (No Liability Cover), Hurling - Not Main Purpose Of The Trip, Hydro Zorbing, Ice Skating, In-Line Skating/Roller Blading (Wear­ing Pads And Helmets), Indoor Skating/Skateboarding (Wearing Pads And Helmets), Javelin Throwing, *Jet Boating (No Racing Or Liability Cover), Jogging, Kayaking (Up To Grade 2 Rivers), Korfball, Netball, Octopush, Orienteering, *Paint Balling/War Games (Wearing Eye Protection And No Liability Cover), Parasailing/Parascending - Over Water, Passenger Sledge,Pedalos, Pilates, Pony Trekking, *Power Boating (No Racing, Non-Competitive And No Liability Cover), Racket Ball, Refereeing, Trekking/ Walking /Rambling Up To 2,500 Metres Above Sea Level, *Trikke Riding (Organised Tours Only, Wearing Correct Safety Equipment Including A Helmet), Tug Of War, Volleyball, Cycling (no racing or competitions). All protective clothing (e.g. helmet) must be worn. No cover for Mountain Biking - see separately listed activity, dancing (including instruction), *dinghy sailing (no liability cover), *Driving motorised vehicles (ex-cluding Quad bikes) for which you are licensed to drive in the United Kingdom (other than in motor ral-lies or competitions) and wearing a helmet if driving a motorbike, moped or scooter and no liability cover, elephant riding/trekking, falconry, fell walking/running (up to 2,500 metres above sea level), fencing, fishing / deep sea fishing, fives, flying (as a fare paying passenger in a fully licensed passenger carrying aircraft), flying fox (cable car), football (American) - not main purpose of the trip, football (Association) - not main purpose of the trip, frisbee/ultimate frisbee including competitions, *rifle range shooting, ringos, roller skating/blading/in line skat-ing (wearing pads and helmets), rounders, rowing (except racing), running, safari trekking/tracking in the bush (must be organised tour), *sailing (if qualified or accompa-nied by a qualified person and no liability cover or racing), sail boarding/windsurfing, sand boarding/surfing/skiing, sand dune surfing/skiing, *sand yachting (no liability cover), scuba diving to 18 metres (if quali-fied scuba diver or accompanied by qualified instructor and not diving alone or involved in cave diving), *Segway riding (organised tours only, wearing correct safety equip-ment including a helmet), skateboarding (wearing pads & helmets), sledging/tobogganing (not on snow), snorkelling, soccer- not main purpose of the trip, softball, spear fishing (without tanks), *speed sailing (no liability), sphering/ Zorbing, squash, surfing,         swimming, swimming with dolphins, swimming/bathing with elephants, Sydney harbour bridge (walking across clipped onto safety line), table tennis, *tall ship crewing (no racing and no liability cover), ten pin bowling, tennis, trampolining, tree canopy walking, Wake Boarding, Water Polo, Water Ski Jumping, Water Skiing, Whale Watching, Wicker Basket Tobogganing, Wind Surfing/Sailboarding, Wind Tunnel Flying (Pads And Hel­mets To Be Worn) *Yachting (If Qualified And No Liability Cover) Yoga


Activity Pack 1 – Additional Premium required (in addition to the activities covered as standard)

Blokarting (No Liability Cover), Body Building, Field Hockey, Fruit Or Vegetable Picking, Gorilla Trekking, Gymnastics, High Diving, Lacrosse, Marathon Running (Not Profes­sional), Minjin Swinging, * Mountain Biking, (No Racing, Competition’s Or Extreme Downhill Mountain Biking - E.G. A Very Steep Course Which Was Specifically Designed To Be Used By Professional Cyclists Only). All Protective Clothing (E.G. Helmet) Must Be Worn. Height Restriction Of 2,500 Metres Above Sea Level, Mud Buggying, Rap Jumping/Running (Within Organisers Guidelines), *Restaurant/Bar Work, *Retail Trade Including Manual Work (But Not Including The Use Of Power Tools And Machinery), Rhino Trekking, River Tubing, Roller Hockey, Shinty, Street Hockey (Wearing Pads And Helmets), Street Luge, Superintendance Of Manual Work, Tubing

Activity Pack 2 - Additional Premium required (in addition to the activities listed under Pack 1 & those covered as standard) - 

Bamboo Rafting, Canoeing (Up To Grade 3 Rivers), Dune Sliding, Dune/Wadi Buggying/Bashing, Grass Skiing, Heptathlon, Kayaking (Up To Grade 3 Rivers Or Coastal Waters), Manual Work (But Not Including The Use Of Power Tools And Machinery), Occasional Light Manual Work (But Not Including The Use Of Tools And Machinery), Polo, Polo Cross, Scuba Diving To 30 Metres (If Quali­fied Scuba Diver Or Accompanied By Qualified Instructor And Not Diving Alone Or Involved In Cave Diving), Sea Canoeing/Kayaking (Within Sight Of Land), Trekking/Walking/ Rambling Be­tween 2,501 To 3,500 Metres Above See Level, Via Ferrata, Weightlifting

Activity Pack 3 - Additional Premium required (in addition to the activities listed under Pack 1,2 & those covered as standard) 

Bungee Jumping (Within Organiser’s Guidelines), Bungee Slingshot, Bungee Swoop (Within Organiser’s Guidelines), Bungee Trampolining, Canoeing (Grade 4 And Above Rivers), Capoeira - No Contact - Dance Move­ment Only, Elephant Polo, Hang Gliding, *Jet Skiing (No Racing), Judo, Karate, Kayaking (Grade 4 And Above Rivers), Kite Boarding, Land Skiing, Ostrich Riding Or Racing, Paragliding, *Paramotoring, Parapenting/Paraponting, Parasailing/Parascending - Over Land, Pot Holing/Caving, *Quad Biking, Rugby - Not Main Purpose Of The Trip, Scuba Diving To 40 Metres (If Quali­fied Scuba Diver Or Accompanied By Qualified Instructor And Not Diving Alone Or Involved In Cave Diving), Sky Jumping (From Sky Tower In Auckland, New Zealand Only), Tai Chi, White Water Canoeing/Kayaking/ Touring Up To Grade 4, White Water Rafting (Within Organis­ers Guidelines) Up To Grade 4