Adventure Sports


Please Note: The information below provides a brief overview of an area of cover within our policies. All our policy benefits are subject to terms, conditions and exclusions. Please refer to the policy wording for full details which can be downloaded under 'Key Information' below.

Our policies all include over 100 sports and activities as standard, many more can be added for an additional premium.
Cover is available for the activities shown in the table below provided:


Sport or Activity Cover Required Special Conditions
Abseiling Inclusive Within organiser's guidelines
Administrative, clerical or professional occupations* Inclusive No Personal Liability cover
Aerobics Inclusive
Airboarding Inclusive
Archaeological digging Inclusive
Archery Inclusive
Athletics Inclusive
Badminton Inclusive
Bamboo rafting Level 2
Banana boating Inclusive Within organiser's guidelines
Baseball Inclusive
Basketball Inclusive
Battle re-enactment* Inclusive No Personal Liability cover
Beach games Inclusive
Billiards/snooker/pool Inclusive
Blade skating Winter Sports
Blokarting* Level 1 No Personal Liability cover
Body boarding (boogie boarding) Inclusive
Body building Level 1
Bowls Inclusive
Breathing observation bubble (bob) Inclusive
Bungee jumping Level 3 Within organiser's guidelines
Bungee slingshot Level 3
Bungee swoop Level 3 Within organiser's guidelines
Bungee trampolining Level 3
Camel riding* Inclusive No personal liability cover
Camp america - counsellor* Inclusive No Personal Liability cover
Canoeing (grade 4 and above rivers) Level 3
Canoeing (up to grade 2 rivers) Inclusive
Canoeing (up to grade 3 rivers) Level 2
Capoeira Level 3 No contact, dance movement only
Catamaran sailing* Inclusive If qualified and no racing or liability cover
Clay pigeon shooting* Inclusive No Personal Liability cover
Climbing Inclusive On climbing wall only
Cricket Inclusive
Croquet Inclusive
Cross country running (non-competitive) Inclusive
Cross country skiing/nordic skiing Winter Sports
Curling Inclusive
Cycling (no racing or competition's). Inclusive All protective clothing (e.g. helmet) must be worn No cover for Mountain Biking - see separately listed activity
Dancing (including instruction) Inclusive
Dinghy sailing* Inclusive No Personal Liability cover
Driving motorised vehicles* (excluding Quad bikes) Inclusive for which you are licensed to drive in the United Kingdom (other than in motor rallies or competitions) and wearing a helmet if driving a motorbike, moped or scooter and no liability cover
Dry slope skiing Winter Sports
Dune sliding Level 2
Dune/wadi buggying/bashing Level 2
Elephant polo Level 3
Elephant riding/trekking Inclusive
Falconry Inclusive
Fell walking/running (up to 2,500 metres above sea level) Inclusive
Fencing Inclusive
Field hockey Level 1
Fishing / deep sea fishing Inclusive
Fives Inclusive
Flying Inclusive As a fare paying passenger in a fully licensed passenger carrying aircraft
Flying fox Inclusive Cable car
Football (American) Inclusive Amateur only and not main purpose of trip
Football (Association) Inclusive Amateur only and not main purpose of trip
Frisbee/ultimate frisbee including competitions Inclusive
Fruit or vegetable picking Level 1
Gaelic football - not main purpose of the trip Inclusive
Glacier skiing/walking Winter Sports Up to 3,500 metres above sea level
Glass bottom boats/bubbles* Inclusive No Personal Liability cover
Go karting* Inclusive Within organiser's guidelines and no personal liability cover
Golf Inclusive
Gorilla trekking Level 1
Grass skiing Level 2
Gymnastics Level 1
Handball Inclusive
Hang gliding Level 3
Heptathlon Level 2
High diving Level 1
Hobie catting* Inclusive If qualified and no personal liability cover
Horse riding Inclusive Excluding competitions, racing, jumping and hunting
Hot air ballooning Inclusive Organised pleasure rides only
Hovercraft driving/passenger* Inclusive No Personal Liability cover
Hurling - not main purpose of the trip Inclusive
Husky dog sledding (organised, non-competitive and with experienced local driver) Winter Sports
Hydro zorbing Inclusive
Ice cricket Winter Sports
Ice go karting* Winter Sports Within organiser's guidelines and no personal liability cover
Ice skating Inclusive
Ice windsurfing* Winter Sports No Personal Liability cover
In-line skating/roller blading Inclusive Wearing pads and helmets
Indoor skating/skateboarding Inclusive Wearing pads and helmets
Javelin throwing Inclusive
Jet boating* Inclusive No racing or liability cover
Jet skiing* Level 3 No Personal Liability cover
Jogging Inclusive
Judo Level 3
Karate Level 3
Kayaking (grade 4 and above rivers) Level 3
Kayaking (up to grade 2 rivers) Inclusive
Kayaking (up to grade 3 rivers or coastal waters) Level 2
Kick sledging Winter Sports
Kite boarding Level 3
Korfball Inclusive
Lacrosse Level 1
Land skiing Level 3
Manual work Level 2 But not including the use of power tools and machinery
Marathon running Level 1 Not professional
Minjin swinging Level 1
Mountain biking* Level 1 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 Level 1
Netball Inclusive
Occasional light manual work Level 2 But not including the use of tools and machinery
Octopush Inclusive
Orienteering Inclusive
Ostrich riding or racing Level 3
Paint balling/war games* Inclusive Wearing eye protection and no personal liability cover
Paragliding Level 3
Paramotoring* Level 3 No Personal Liability cover
Parapenting/paraponting Level 3
Parasailing/parascending - over land Level 3
Parasailing/parascending - over water Inclusive
Passenger sledge Inclusive
Pedalos Inclusive
Pilates Inclusive
Polo Level 2
Polo cross Level 2
Pony trekking Inclusive
Pot holing/caving Level 3
Power boating* Inclusive No racing, non-competitive and no personal liability cover
Quad biking* Level 3 No Personal Liability cover. Subject to compliance with local laws and regulations and the use of the organisers recommended safety equipment
Racket ball Inclusive
Rap jumping/running Level 1 Within organiser's guidelines
Refereeing Inclusive
Restaurant/bar work* Level 1 No Personal Liability cover
Retail trade including manual work* Level 1 But not including the use of power tools and machinery
Rhino trekking Level 1
Rifle range shooting* Inclusive No Personal Liability cover
Ringos Inclusive
River tubing Level 1
Roller hockey Level 1
Roller skating/blading/in line skating Inclusive Wearing pads and helmets
Rounders Inclusive
Rowing Inclusive Except racing
Rugby - not main purpose of the trip Level 3
Running Inclusive
Safari trekking/tracking in the bush Inclusive Must be organised tour
Sail boarding/windsurfing Inclusive
Sailing* Inclusive If qualified or accompanied by a qualified person and no liability cover or racing
Sand boarding/surfing/skiing Inclusive
Sand dune surfing/skiing Inclusive
Sand yachting* Inclusive No Personal Liability cover
Scuba diving to 18 metres Inclusive If qualified scuba diver or accompanied by qualified instructor and not diving alone or involved in cave diving
Scuba diving to 30 metres Level 2 If qualified scuba diver or accompanied by qualified instructor and not diving alone or involved in cave diving
Scuba diving to 40 metres Level 3 If qualified scuba diver or accompanied by qualified instructor and not diving alone or involved in cave diving
Sea canoeing/kayaking Level 2 Within sight of land
Segway riding* Inclusive Organised tours only, wearing correct safety equipment including a helmet
Shinty Level 1
Skateboarding Inclusive Wearing pads & helmets
Ski - blading Winter Sports
Ski - dooing/snow mobiling* Winter Sports No Personal Liability cover
Ski biking Winter Sports
Ski boarding Winter Sports
Ski run walking Winter Sports
Skiing Winter Sports On piste
Skiing - big foot Winter Sports
Skiing - cross country Winter Sports
Skiing - mono Winter Sports
Skiing - nordic Winter Sports
Skiing - off piste** with a guide Winter Sports
Skiing alpine Winter Sports
Sky jumping (from Sky Tower in Auckland, New Zealand only) Level 3
Sledging/sleigh riding* Winter Sports Pulled by horse or reindeer as a passenger
Sledging/tobogganing (not on snow) Inclusive
Sledging/tobogganing on snow Winter Sports
Snorkelling Inclusive
Snow biking Winter Sports
Snow blading Winter Sports
Snow boarding - off piste** with a guide Winter Sports
Snow boarding on piste** Winter Sports
Snow bobbing Winter Sports
Snow carving Winter Sports Using non powered hand tools only and not working above 3 metres from the ground
Snow go karting* Winter Sports No Personal Liability cover
Snow mobiling/skidooing* Winter Sports No Personal Liability cover
Snow scooting* Winter Sports No Personal Liability cover
Snow shoe walking Winter Sports Up to 3,500 metres above sea level
Snow tubing Winter Sports
Snowcat driving* Winter Sports No Personal Liability cover
Soccer- not main purpose of the trip Inclusive
Softball Inclusive
Spear fishing Inclusive Without tanks
Speed sailing* Inclusive No liability
Sphering/ Zorbing Inclusive
Squash Inclusive
Street hockey Level 1 Wearing pads and helmets
Street luge Level 1
Superintendance of manual work Level 1
Surfing Inclusive
Swimming Inclusive
Swimming with dolphins Inclusive
Swimming/bathing with elephants Inclusive
Sydney harbour bridge Inclusive Walking across clipped onto safety line
Table tennis Inclusive
Tai chi Level 3
Tall ship crewing* Inclusive No racing and no personal liability cover
Telemarking Winter Sports
Ten pin bowling Inclusive
Tennis Inclusive
Trampolining Inclusive
Tree canopy walking Inclusive
Trekking/ walking /rambling up to 2,500 metres above sea level Inclusive
Trekking/walking/ rambling between 2,501 to 3,500 metres above see level Level 2
Trikke riding* Inclusive Organised tours only, wearing correct safety equipment including a helmet. No Personal Liability cover
Tubing Level 1
Tug of war Inclusive
Via ferrata Level 2
Volleyball Inclusive
Wadi/dune/dune buggying/bashing Level 1
Wake boarding Inclusive
Water polo Inclusive
Water ski jumping Inclusive
Water skiing Inclusive
Weightlifting Level 2
Whale watching Inclusive
White water canoeing/kayaking/touring up to grade 4 Level 3
White water rafting up to grade 4 Level 3 Within organiser's guidelines
Wicker basket tobogganing Inclusive
Wind surfing/sailboarding Inclusive
Wind tunnel flying Inclusive Pads and helmets to be worn
Winter walking Winter Sports Using crampons and ice picks only, up to 3,500 metres above sea level
Yachting* Inclusive If qualified and no personal liability cover
Yoga Inclusive