Activity Cover
Insurance for Sports & Activities
Our travel insurance policies really do offer great value for money with an array of Sports and Adventurous activities covered automatically
These activities are listed below under Activity Pack 1. If you have purchased a policy already please refer to your policy wording document for details of coverage as these lists change from time to time.
If you are participating in any of the Hazardous activities listed within an activity pack higher than pack 1 then you must purchase the appropriate Hazardous activity pack. Please get in touch with the details of the activities you’ll be undertaking if you are unsure if you’ll be covered.
Activity packs
We have categorised the activities that are not covered as standard into 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. (All of the activities are covered on a non-professional basis, unless otherwise stated). Any claims which arise whilst undertaking any of these activities for any purpose other than leisure will not be covered under this policy.
The Activity Packs are priced at a set fee, regardless of how many activities you are doing, or the length of time spent doing them, and the riskier activities are put in higher Activity Packs, which is why you pay a higher premium for choosing a higher Activity Pack.
Safety guidelines provided from a professional event company or organiser must be followed. Failure to do so will invalidate a claim. If you are unsure please do not hesitate to contact us on 01424 223 964 and we can discuss your individual requirements.
Adding a Higher Activity Pack to your policy if you’re already away
Plans can change when you’re travelling, and you may be tempted to do an activity that you didn’t anticipate doing, before you set up your policy. If the sport or leisure pursuit isn’t covered by the standard Activity Pack 1, then you will need to complete an Extension Enquiry Form as soon as you can, to update us with the new activity that you plan to do. We can then email a quote for extending cover. It is important that you do this (and additional costs are paid in advance of you doing it) so that cover is in place in the unfortunate event of you suffering an injury and requiring medical treatment, as a result of your participation in it.
Riding a motorcycle away from the UK
If you plan to ride a moped, motorcycle or motorised scooter on public roads on your travels, this is something that is covered under the emergency medical expenses section of the policy providing you have selected the required Activity Pack, as long as you hold the appropriate full licence required to ride the same type of vehicle in the UK, and will be wearing a crash helmet, whether legally required or not. You will need to check the current guidelines in regard to this, to check what you are eligible to drive. No cover will be in place under the personal liability section of the policy whilst riding a motorised vehicle meaning it’s important to ensure you have alternative cover in place for this.
Similarly, if you are riding pillion, then the person riding must also hold a full UK licence or, if they are from the country you are visiting, they need to hold a valid licence for that country.
You will come across Motorbike Taxis throughout Asia and in some parts of South America. They are cheap, but many are unregulated and the drivers have in some cases, no licence, insurance or training. The bikes themselves are frequently poorly maintained. In the case of an accident and a subsequent medical claim, you may find yourself uninsured.
Also note we only cover occasional motorbike use. If you’re using a motorbike as your main mode of transport or going motorbike touring, then we can’t cover that.
The below activity packs are current as of 01/03/2023.
If you purchased your policy before this date, please refer to your policy wording document for details of the activities you are covered for.
If purchasing a higher activity pack you will be covered for activities within that pack and also lower activity packs.
Activity Packs
Activity Pack 1 (included as standard)
▲ ▲| Abseiling (indoor) | Special condition (a) applies | |
| Acrobatics | ||
| Aerobics | ||
| Angling/Fishing (inland or coastal waters) | Sports / leisure fishing only No commercial or rock fishing |
|
| Athletics | ||
| Badminton | ||
| Ballet | ||
| Banana boat rides | Special condition (a) applies | |
| Baseball | ||
| Basketball | ||
| Black water rafting (cave tubing) (grades 1-3) | Special condition (a) applies | |
| Boating (inland and coastal waters) see also speed boating and sailing | Special condition (a) or (b) applies | No white water cover
No Personal Liability cover |
| Bowling (lawn, ten-pin, nine-pin, candlepin, duckpin and five-pin bowling, bowls, pétanque & boules) | ||
| Bungee/bungy jumping (max 2 jumps per trip) | Special condition (a) applies | |
| Camel riding (day tour) | Special condition (a) applies | No Personal Liability cover |
| Canoeing/Kayaking (inland/coastal waters, white water grades 1-3 only) | ||
| Caving (sightseeing/tourist attraction) | Recreational visit only | |
| Cheerleading | ||
| Clay pigeon shooting | Special condition (a) or (b) applies | No Personal Liability cover |
| Climbing (indoor) | Special condition (a) applies | No soloing
No Personal Accident cover |
| Cricket | ||
| Croquet | ||
| Curling | ||
| Dance (ballet, ballroom, capoeira, salsa, interpretive dance) | ||
| Darts | ||
| Dodge ball | ||
| Dragon boating (inland or coastal waters only) | ||
| Dune buggy | Special condition (a) or (b) applies | No Personal Liability cover
No Personal Accident cover |
| Elephant riding | Special condition (a) applies | No Personal Liability cover |
| Fishing (ice) | Special condition (a) or (b) applies | |
| Fitness training | No cover for professional athletes | |
| Floorball | ||
| Flying (as a fare paying passenger in a licensed scheduled or chartered aircraft or helicopter) | Special condition (a) applies | |
| Football (soccer) including 5 a side | ||
| Frisbee | ||
| Go karting | Special condition (a) applies | No Personal Liability cover |
| Golf | ||
| Gym training (aerobics, spinning, zumba, body pump, weight training, cross training, crossfit (see also boxing and martial arts) | ||
| Gymnastics (also see acrobatics) | ||
| Handball | ||
| Hiking up to 1,500 metres (scrambling, hillwalking) | No cover where ropes, picks or other specialist climbing equipment is required | |
| Hockey | ||
| Horse riding (leisure/social/non-competitive riding) | No racing, jumping or competitions. | |
| Hot air ballooning | Special condition (a) applies | No Personal Liability cover |
| Ice skating (indoor) | ||
| Ice skating (outdoor) on a commercially managed rink | Special condition (a) applies | |
| In-line skating | ||
| Jet boating (inland/coastal waters only) | Special condition (a) or (b) applies | No Personal Liability cover |
| Jet skiing (inland/coastal waters, white water grades 1-2 only) | Special condition (a) or (b) applies | No Personal Liability cover |
| Kite boarding (on land or water) | No Personal Liability cover | |
| Kite flying | ||
| Korfball | ||
| Lacrosse | ||
| Martial arts training (non-contact) | ||
| Motor racing experience (passenger only) | Special condition (a) applies | No Personal Accident cover |
| Netball | ||
| Orienteering | ||
| Outdoor endurance courses up to 3 miles | ||
| Outward Bound | Special condition (a) applies | |
| Paint balling / airsoft | Special condition (a) applies | No Personal Liability cover |
| Parasailing / parascending (over water only) | Special condition (a) or (b) applies | No Personal Liability cover |
| Racquetball | ||
| Rambling ( 1,500 metres) | ||
| Rifle range/sports shooting | Special condition (a) or (b) applies | No Personal Liability cover |
| River boarding/hydro speeding (grades 1-3) (see also canoeing) | Special condition (a) or (b) applies | |
| Rock climbing (indoor) | Special condition (a) or (b) applies | No soloing
No Personal Accident cover |
| Roller skating | No cover for stunting | |
| Roller blading | No cover for stunting | |
| Rounders | ||
| Rowing/sculling (inland/coastal waters) | No white water | |
| Running / jogging (half marathon distance or less) | ||
| Safari tours | Special condition (a) applies | No cover for handling or work with dangerous animals, including big cats, crocodiles, alligators, hippopotamuses, snakes, elephants or bears |
| Sailing (inland/coastal waters) | Special condition (a) or (b) applies | No Personal Liability cover |
| Scuba diving (to 30 metres) | Special condition (e) applies | See special exclusions (ii) |
| Scuba diving (unqualified/learn to dive course/discover dive with qualified instructor) | Special condition (a) applies | Special condition (a) applies |
| Segway tours | Condition (a) applies, a helmet must be worn | No Personal Liability cover
No Personal Accident cover |
| Skateboarding (ramp, half pipe, skate park, street) | ||
| Sleigh rides (horse drawn) | ||
| Snooker | ||
| Snorkelling | ||
| Soccer | ||
| Softball | ||
| Speed boating (inland/coastal waters only) | Special condition (a) or (b) applies | No white water cover
No Personal Liability cover |
| Squash/Racquet ball | ||
| Stand up paddle surfing/paddle boarding | ||
| Stilt walking | ||
| Stoolball | ||
| Surf boat rowing | ||
| Surfing | ||
| Swimming (pool; enclosed, inland or coastal waters only) | ||
| Swimming with dolphins / whales / whale sharks (inland or coastal waters only) | Special condition (a) applies | |
| Table tennis | ||
| Tchoukball | ||
| Tennis | ||
| Theme parks / fairgrounds | ||
| Tough mudder (see outdoor endurance) | ||
| Trampolining | ||
| Trekking (see hiking) | ||
| Tubing on rivers (grades 1-2) | Special condition (a) applies | No Personal Accident cover |
| Ultimate frisbee | ||
| Volleyball | ||
| War games (online gaming) | ||
| Water polo | ||
| Weight training (see also gym training) | Powerlifting | |
| White water kayaking / canoeing (see kayaking/ canoeing) | ||
| Windsurfing (inland or coastal waters only) | No Personal Liability cover | |
| Yachting (see sailing) | ||
| Yoga (class, alone/home practice) | ||
| Zip line | Special condition (a) applies |
Activity Pack 2 (additional premium required)
▲ ▲| Aerial safari | Special condition (a) applies | No Personal Accident cover |
| Animal 1 day tours (This does not include Safaris see this activity separately) | Special condition (a) applies & you are covered for light interaction such as washing, feeding, cleaning) when with Elephants, Infant Big Cats, and Monkeys in a controlled environment only. | No Personal Accident cover
No Personal Liability cover No cover for work |
| Aquathlon | ||
| Bicycle polo | ||
| Black water rafting (cave tubing) (grades 4-5) | Special condition (a) applies | No Personal Accident cover |
| Boating (outside coastal waters) see also speed boating and sailing | Special condition (a) or (b) applies and special condition (c) applies | No Personal Liability cover |
| Bouldering (see rock climbing) | No soloing
No Personal Accident cover |
|
| Boxing (gym or outdoor training) no competition or bouts | ||
| Bungee/bungy jumping (3 jumps or more) | Special condition (a) applies | |
| Camel trekking (overnight/main mode of transport) | No Personal Liability cover | |
| Canyon swing | Special condition (a) applies | |
| Cycling (incidental to the trip) | ||
| Dirt boarding | No Personal Liability cover | |
| Dogsledding (on recognised trails) | Special condition (a) applies | Remote areas, racing, time trials and endurance events |
| Duathalon | ||
| Elephant trekking (overnight/main mode of transport) | Special condition (a) applies | No Personal Liability cover |
| Fencing | No Personal Liability cover | |
| Fishing (outside coastal waters, deep sea fishing) | Special condition (a) and (c) applies | Sports / leisure fishing only
No commercial |
| Fly by wire | Special condition (a) applies | |
| Glacier walking (ice walking) | Special condition (a) applies | |
| High diving up to 10 metres (excluding cliff diving) | ||
| Hiking up to 3,000 metres (scrambling, hillwalking) | No cover where ropes, picks or other specialist climbing equipment is required | |
| Hunting (excluding Big Game) | Special condition (a) or (b) applies | No Cover for Big Game Hunting
No Personal Liability Cover |
| Kite buggy | No Personal Liability cover | |
| Kite surfing | No Personal Liability cover | |
| Kite wing (land, water) | No Personal Liability cover | |
| Land surfing | No Personal Liability cover | |
| Martial arts - no competition or bouts | Condition (a) applies, non-competitive only | No Personal Liability cover
No Personal Accident cover |
| Moped riding/scooter biking | Special condition (b) applies, a helmet must be worn | No touring or where a motorbike is the main mode of transport.
No Personal Liability cover No Personal Accident cover |
| Motor biking (on road under 125cc) | Special condition (b) applies, a helmet must be worn | No touring or where a motorbike is the main mode of transport.
No Personal Liability cover No Personal Accident cover |
| Outrigger canoeing (inland or coastal waters only) | ||
| Parachuting (one jump only) | Special condition (a) or (b) applies | No Personal Liability cover
No Personal Accident cover |
| Parasailing/Parascending (over land) | Special condition (a) or (b) applies | No Personal Liability cover |
| Quad biking | Special condition (a) or (b) applies, a helmet must be worn | No Personal Liability cover
No Personal Accident cover |
| Rock climbing (bouldering) | No soloing
No Personal Accident cover |
|
| Rock climbing (outdoor/traditional/sport climbing/bolted/aid climbing/free climbing) | No soloing
No Personal Accident cover |
|
| Roller hockey | ||
| Running (Over half marathon distance up to marathon distance) | ||
| Sailing (outside coastal waters) | Special condition (a) or (b) and special condition (c) applies | No Personal Liability cover |
| Spearfishing | No Personal Liability cover | |
| Triathlon up to middle distance | ||
| Triathlon up to sprint distance | ||
| Water skiing / wakeboarding / wake skating (not barefoot) | Special condition (a) or (b) applies | No jumping
No Personal Accident cover |
| White water rafting (grades 4-5) | Special condition (a) applies | |
| Xterra/Cross Triathlon | ||
| Zorbing | Special condition (a) applies | No Personal Liability cover
No Personal Accident cover |
Activity Pack 3 (additional premium required)
▲ ▲| Canyoning | No Personal Liability cover
No Personal Accident cover |
|
| Hiking up to 4,500 metres (scrambling) on recognised routes | Special condition (a) applies | No cover where ropes, picks or other specialist climbing equipment is required |
| Horse riding (equestrian, dressage, show jumping, eventing) | No Personal Accident cover | |
| Motor biking (on road over 125cc) | Special condition (b) applies, a helmet must be worn | No touring or where a motorbike is the main mode of transport
No Personal Liability cover No Personal Accident cover |
| Outdoor endurance courses up to 8 miles | ||
| Sandboarding/sand skiing | ||
| Scuba diving (to 50 metres) | Special condition (e) applies | See special exclusions (ii)
No Personal Accident cover |
| Skiing (cross country/Nordic skiing on marked trails) | Special condition (d) applies | See special exclusions (i) |
| Skiing (snowblading) on piste or off piste within resort boundaries | Special condition (d) applies | See special exclusions (i) |
| Skiing (snowboarding) on piste or off piste within resort boundaries | Special condition (d) applies | See special exclusions (i) |
| Skiing / snowboarding (dry slope) | Special condition (d) applies | See special exclusions (i) |
| Skydiving / tandem skydiving (one jump only) | No Personal Liability cover
No Personal Accident cover |
|
| Sledding / tobogganing / snow sleds / snow sleighs (on snow) | No Personal Liability cover
No Personal Accident cover |
|
| Snow rafting | Special condition (a) applies | No Personal Liability cover
No Personal Accident cover |
| Trapeze / hire wire | Special condition (a) applies | No Personal Accident cover |
| Triathlon/Iron and up to long distance | ||
| Water skiing (barefoot) | Special condition (a) or (b) applies | No Personal Liability cover |
Activity Pack 4 (additional premium required)
▲ ▲| Bobsled / bobsleigh | Special condition (a) applies | No Personal Liability cover
No Personal Accident cover |
| Flying (as a passenger in a glider or ultralight) | No stunt flying/aerobatics or
commercial flying
No Personal Accident cover |
|
| Flying (as a pilot or passenger of a private light aircraft) | Special condition (a) or (b) applies | No stunt flying/aerobatics or commercial flying.
No Personal Accident cover No Personal Liability cover |
| Flying (gliding) | Special condition (a) or (b) applies | No Personal Liability cover
No Personal Accident cover |
| Hiking up to 6,000 metres (scrambling) on recognised routes | Special condition (a) applies | No cover where ropes, picks or other specialist climbing equipment is required |
| Ice hockey (indoor) | No Personal Liability cover
No Personal Accident cover |
|
| Kite wing (snow) | No Personal Liability cover
No Personal Accident cover |
|
| Mountain biking general (off road/cross country) | Mountain Biking racing | |
| Outdoor endurance courses up to 13 miles | ||
| Skiing / snowboarding (backcountry/outside of resort boundary/alpine ski touring) | Special condition (d) applies | See special exclusions (i) No Personal Accident cover |
| Skiing / snowboarding (by helicopter/snow cat) | Special condition (d) applies | See special exclusions (i) No Personal Accident cover |
| Skiing / snowboarding (terrain park within resort) | Special condition (d) applies | See special exclusions (i) No Personal Accident cover |
| Snow biking (on piste or off piste within resort boundaries) | See special exclusions (i)
No Personal Accident cover |
|
| Snowmobiling | Remote areas, racing, time trials and endurance events are excluded.
No Personal Liability cover No Personal Accident cover |
|
| Snow kiting | Special condition (a) applies | No Personal Liability cover
No Personal Accident cover |
Special Conditions
(a) You must be with a professional, qualified and licensed guide, instructor or operator.
(b) You must have the appropriate certification or licence to do this sport or activity at Home. If operating a motor vehicle the driver must have the appropriate valid UK licence for the machine.
(c) within 60 miles of a safe haven (a protected body of water used by marine craft for refuge from storms or heavy seas).
(d) Conventional skiing / snowboarding only. It is not a condition of cover that you ski or board with a guide, however, you must follow the International Ski Federation code or the resort regulations and we recommend that you do not venture into back country areas without taking local advice and appropriate rescue equipment;
(e) You must hold a British Sub Aqua Club certificate or Professional Association of Diving Instructors certificate or equivalent and follow the relevant Club or Association rules and guidelines at all times, or You must only dive under the constant supervision of a properly licensed diving school and follow their rules and instructions at all times.
Special Exclusions
(i) No cover for any competition, free-style skiing / snowboarding, ski/ snowboard jumping, ski-flying, ski / snowboard acrobatics, ski / snowboard stunting, or ski racing or national squad training, the use of skeletons.
(ii) No cover for any unaccompanied dive, any dive in overhead environments, or any dive for gain or reward.
Condition
1. You must act in a reasonable way and use all recommended safety equipment and protective clothing that is necessary and undergo any required training.
Not covered
Cover does not apply if you are;
1. taking part in activities at a professional level;
2. competing at international events as a national representative;
3. participating in hazardous activities or extreme pursuits other than as listed;
4. racing or participating in speed or time trials;
5. motorbike touring or where a motorbike is the main mode of transport;
6. base Jumping, cliff diving, martial arts competitions, mountaineering, potholing, caving (other than sightseeing/tourist attraction) motor sports, stunt flying / aerobatics;
7. taking part in expeditions to the Arctic or Antarctic;
8. taking part in dangerous expeditions or the crewing of a vessel more than 60 miles from a safe haven;
9. anything listed in the General Exclusions.