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.
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:
There is no cover for Personal Liability for sports and activities marked with *
| Sport or Activity | Cover Required | Special Conditions |
|---|---|---|
| Abseiling | Inclusive | Within organisers guidelines |
| Administrative, clerical or professional occupations* | Inclusive | |
| Aerobics | Inclusive | |
| Amateur athletics (track and field) | Inclusive | |
| Archaeological digging | Inclusive | Use of hand tools only |
| Archery | Inclusive | |
| Assault course | Pack 1 | Amateur only and not main purpose of the trip |
| Badminton | Inclusive | |
| Bamboo rafting | Pack 2 | |
| Banana boating/donuts/inflatables behind power boat | Inclusive | |
| Bar/restaurant work* | Pack 1 | |
| Baseball | Inclusive | Amateur only |
| Basketball | Inclusive | Amateur only |
| Beach games | Inclusive | |
| Beauty therapist* | Pack 1 | |
| Bicycle riding | Inclusive | Wearing a helmet where required, excluding any participation in extreme events, racing or competitions) height restricted to maximum of 2,500 metres above sea level |
| Billiards/snooker/pool | Inclusive | |
| Blokarting* | Pack 1 | |
| BMX riding | Inclusive | Wearing a helmet and no racing, stunts or obstacles) up to 2,500 metres above sea level |
| Body boarding (boogie boarding) | Inclusive | |
| Body building* | Pack 1 | |
| Bowls | Inclusive | |
| Breathing observation bubble (BOB) | Inclusive | |
| Bungee jumping/swoop | Inclusive | Within organisers guidelines and wearing appropriate gear |
| Bungee slingshot | Pack 3 | Within organisers guidelines and wearing the appropriate gear |
| Bungee trampolining | Pack 3 | Within organisers guidelines and wearing the appropriate gear |
| Camel riding* | Inclusive | |
| Camp America – counsellor* | Inclusive | |
| Canoeing (grade 4 and above rivers) | Pack 3 | |
| Canoeing (up to grade 2 rivers) | Inclusive | |
| Canoeing (up to grade 3 rivers) | Pack 2 | |
| Capoeira – no contact – dance movement only | Inclusive | |
| Caring for children (au pair/ nanny)* | Inclusive | |
| Catamaran sailing* | Inclusive | If qualified and no racing |
| Caving/pot holing | Pack 3 | |
| Clay pigeon shooting | Inclusive | |
| Climbing | Inclusive | Indoors on climbing wall only |
| Cricket | Inclusive | Amateur only |
| Croquet | Inclusive | |
| Cross country running | Inclusive | |
| Cross country skiing/Nordic skiing | Winter Sports | |
| Curling | Inclusive | Amateur only |
| Cycling | Inclusive | See Bicycle riding |
| Cycling tours | Inclusive | See Bicycle riding |
| Dancing | Inclusive | Including instruction |
| Deep sea fishing | Inclusive | |
| Dinghy sailing | Inclusive | No racing |
| Driving motorised vehicles* | Inclusive | Excluding Quad bikes, for which you are licensed to drive in the UK (other than in races, motor rallies, off road or competitions) and wearing a helmet if driving a motorbike, moped, scooter, Segway or assisted bicycle and wearing a seatbelt when travelling in a motorised vehicle where a seatbelt is available for use |
| Dry slope skiing/boarding | Winter Sports | |
| Dune sliding | Pack 1 | |
| Dune/wadi buggying/bashing | Pack 1 | |
| Elephant polo | Pack 2 | |
| Extreme frisbees (amusement park rides) | Inclusive | |
| Falconry | Inclusive | |
| Fell walking/running (up to 2,500 metres above sea level) | Inclusive | |
| Fencing | Inclusive | Training only |
| Field hockey | Pack 1 | |
| Fishing | Inclusive | |
| Fives | Inclusive | |
| Flying as a fare paying passenger in a fully licensed passenger carrying aircraft | Inclusive | |
| Flying fox (cable car) | Inclusive | |
| Football | Inclusive | Amateur only, no coaching and not main purpose of trip |
| Freefall/sky diving simulator | Inclusive | |
| Frisbee/ultimate frisbee | Inclusive | |
| Fruit or vegetable picking | Pack 1 | |
| Glass bottom boats/bubbles* | Inclusive | |
| Go karting | Inclusive | Amateur only and within organisers guidelines |
| Golf | Inclusive | |
| Grass skiing | Pack 2 | |
| Great Wall of China | Inclusive | |
| Gymnastics | Pack 1 | |
| Handball | Inclusive | Amateur only |
| Helicopter rides | Inclusive | As a fare paying passenger in licensed aircraft |
| High diving | Pack 1 | Amateur only and not main purpose of the trip |
| High ropes/Go ape | Pack 1 | Amateur only and not main purpose of the trip |
| Hobie catting* | Inclusive | If qualified and no racing |
| Horse riding | Inclusive | Wearing a helmet and excluding competitions, racing, jumping and hunting |
| Hot air ballooning | Inclusive | Organised pleasure rides only |
| Hovercraft driving/passenger | Inclusive | |
| Hurling | Inclusive | Amateur only and not main purpose of trip |
| Husky dog sledding | Winter Sports | Organised non-competitive and with experienced local driver |
| Husky/horse/reindeer sledging or sleigh riding | Inclusive | As an activity as a passenger only with a local driver and not on snow |
| Hydro zorbing | Inclusive | |
| Ice cricket | Winter Sports | |
| Ice go-carting | Winter Sports | Within organisers guidelines and no liability cover |
| Ice hockey | Winter Sports | |
| Ice skating | Inclusive | |
| Ice windsurfing | Winter Sports | No liability cover |
| In-line skating/roller blading | Inclusive | Wearing pads and helmets |
| Indoor climbing | Inclusive | On climbing wall |
| Indoor skating/skateboarding | Inclusive | Wearing pads and helmets |
| Javelin throwing | Inclusive | Amateur |
| Jet boating* | Inclusive | Excluding racing and/or competitions |
| Jogging | Inclusive | |
| Judo* | Pack 3 | Amateur only and not main purpose of the trip |
| Karate* | Pack 3 | Amateur only and not main purpose of the trip |
| Karting* | Inclusive | Wearing a helmet and no racing |
| Kayaking | Pack 2 | Within sight of land |
| Kayaking (grade 4 and above rivers) | Pack 3 | |
| Kayaking (up to grade 2 rivers) | Inclusive | |
| Kayaking (up to grade 3 rivers) | Pack 2 | |
| Kick sledging | Winter Sports | |
| Korfball | Inclusive | Amateur only |
| Lacrosse | Pack 1 | Amateur only and not main purpose of the trip |
| Marathon running | Pack 1 | Amateur only and not main purpose of the trip |
| Minjin swinging | Pack 1 | |
| Mixed gas diving to 30 metres (nitrox/trimax and not commercial) | Pack 2 | If qualified scuba diver or accompanied by qualified instructor and not diving alone or involved in cave diving |
| Mixed gas diving to 40 metres (nitrox/trimax and not commercial) | Pack 3 | If qualified scuba diver or accompanied by qualified instructor and not diving alone or involved in cave diving |
| Mountain Biking | Inclusive | Wearing a helmet and no racing) up to 2,500 metres above sea level |
| Mud buggying | Pack 1 | |
| Netball | Inclusive | Amateur only |
| Non-retail work including occasional light manual work* | Pack 2 | But not including the use of power tools and machinery |
| Octopush | Inclusive | |
| Orienteering | Inclusive | |
| Paddle boarding | Inclusive | |
| Paint balling/war games* | Inclusive | Wearing eye protection |
| Parasailing/parascending – over water | Inclusive | |
| Pedalos | Inclusive | |
| Pilates | Inclusive | |
| Pony trekking | Inclusive | Wearing a helmet |
| Power boating* | Inclusive | |
| Racket ball | Inclusive | |
| Rambling | Inclusive | |
| Refereeing | Inclusive | Amateur only |
| Retail trade including manual work* | Pack 1 | But not including the use of power tools and machinery |
| Ringos | Inclusive | |
| River tubing | Pack 1 | |
| Roller hockey | Pack 1 | Amateur only and not main purpose of the trip |
| Roller skating/blading/in line skating | Inclusive | Wearing pads and helmets |
| Rounders | Inclusive | Amateur only |
| Rowing | Inclusive | No racing |
| Rugby | Pack 3 | Amateur only and not main purpose of the trip |
| Running | Inclusive | Non-competitive, not part of a triathlon and not a marathon of any type |
| Safari trekking/tracking in the bush | Inclusive | Must be organised tour |
| Sail boarding/wind surfing | Inclusive | |
| Sailing/yachting* | Inclusive | If qualified or accompanied by a qualified person and no racing |
| Sand boarding/sand dunes/sand surfing/sand skiing | Inclusive | |
| Sand yachting* | Inclusive | No racing |
| Scuba diving to 30 metres | Pack 2 | If qualified scuba diver or accompanied by qualified instructor and not diving alone or involved in cave diving |
| Scuba diving to 40 metres | Pack 3 | If qualified scuba diver or accompanied by qualified instructor and not diving alone or involved in cave diving |
| Scuba diving up to depth of 18 metres | Inclusive | If qualified or accompanied by qualified instructor and not diving alone, not involved in cave diving and not involved in air travel until more than 24 hours have elapsed after your last dive |
| Sea canoeing/kayaking | Inclusive | Within sight of land |
| Segway riding* | Inclusive | Organised tours only, wearing correct safety equipment including a helmet |
| Shooting/small bore target/rifle range shooting | Inclusive | Within organisers guidelines |
| Skateboarding | Inclusive | Wearing pads and helmets |
| Ski biking | Winter Sports | |
| Ski boarding | Winter Sports | |
| Ski run walking | Winter Sports | |
| Ski-blading | Winter Sports | |
| Ski-doing/snow mobiling* | Winter Sports | |
| Skiing - mono | Winter Sports | |
| Skiing - nordic | Winter Sports | |
| Skiing - off piste** with a guide | Winter Sports | A piste is a recognised and marked ski run within the resort boundaries |
| Skiing cross country | Winter Sports | |
| Skiing on piste ** | Winter Sports | A piste is a recognised and marked ski run within the resort boundaries |
| Sky jumping | Pack 3 | From Sky Tower in Auckland, New Zealand only |
| Sledging tobogganing on snow | Winter Sports | |
| Sledging/sleigh riding as a passenger | Inclusive | Pulled by horse or reindeer with a maximum of two nights for Lapland trips |
| Sledging/sleigh riding* | Winter Sports | Pulled by a horse or reindeer as a passenger |
| Snorkelling | Inclusive | |
| Snow biking | Winter Sports | |
| Snow blading | Winter Sports | |
| Snow boarding on piste ** | Winter Sports | A piste is a recognised and marked ski run within the resort boundaries |
| Snow boarding-off** piste with a guide | Winter Sports | A piste is a recognised and marked ski run within the resort boundaries |
| 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 liability cover |
| Snow mobiling/skidooing* | Winter Sports | No liability cover |
| Snow scooting* | Winter Sports | |
| Snow shoe walking up to 3,500 metres above sea level | Winter Sports | |
| Snow tubing | Winter Sports | |
| Snowcat driving* | Winter Sports | |
| Softball | Inclusive | Amateur only |
| Spear fishing | Inclusive | Without tanks |
| Speed sailing* | Inclusive | No racing |
| Squash | Inclusive | |
| Street hockey | Pack 1 | Wearing pads and helmets |
| Street luge | Pack 1 | |
| Students working as counsellors or university exchanges for practical course work (non-manual)* | Inclusive | |
| Superintendance of manual work* | Pack 1 | |
| Surfing | Inclusive | Including on board surf simulators |
| Swimming | Inclusive | Excluding competitions or racing |
| Swimming with dolphins | Inclusive | |
| Swimming/bathing with elephants | Inclusive | |
| Sydney harbour bridge | Inclusive | Organised and walking across clipped onto a safety line |
| Table tennis | Inclusive | |
| Tai chi | Pack 3 | |
| Tall ship crewing* | Inclusive | No racing |
| Telemarking | Winter Sports | |
| Ten pin bowling | Inclusive | |
| Tennis | Inclusive | |
| Tobogganing | Inclusive | |
| Trampolining | Inclusive | |
| Tree canopy walking | Inclusive | |
| Trekking/hiking/walking/hill walking up to 2,500 metres above sea level | Inclusive | |
| Trekking/hiking/walking/hill walking up to 2,501 to 3,500 metres above sea level | Pack 2 | |
| Trikke riding* | Inclusive | Organised tours only, wearing correct safety equipment including a helmet |
| Tubing | Pack 1 | |
| Tug of war | Inclusive | |
| Via ferrata | Pack 2 | |
| Volleyball | Inclusive | |
| Wake boarding | Inclusive | |
| Water parks | Inclusive | |
| Water polo | Inclusive | Amateur only |
| Water skiing/water ski jumping | Inclusive | |
| Whale watching | Inclusive | |
| White water canoeing/kayaking/ touring/rafting up to grade 2 rivers | Inclusive | |
| White water canoeing/kayaking/touring up to grade 4 | Pack 3 | |
| White water rafting up to grade 4 | Pack 3 | Within organisers guidelines |
| Wicker basket tobogganing | Inclusive | |
| Wind surfing/sailboarding | Inclusive | |
| Wind tunnel flying | Inclusive | Pads and helmets to be worn |
| Winter walking up to 3,500 metres above sea level | Winter Sports | Using crampons and ice picks only |
| Yoga | Inclusive | |
| Zap cats* | Inclusive | |
| Zip lining/trekking | Inclusive | Safety harness must be worn |
| Zorbing/hydro zorbing/sphering | Inclusive |