Hazardous Activities Category A
Your cover automatically includes the Activities listed below at no additional cost.
Cover for the following activities that are considered to be Sports and hazardous activities is included at no extra premium provided they are incidental to the trip (not sole purpose) and for recreational purposes only, not for competitions or any professional activity.
Under the Personal Liability Section of this policy, you will not be covered whilst participating in any Sports and hazardous activities or anything caused directly or indirectly by your owning or using any firearms or weapons, animal, aircraft, motorised vehicle, boat and other watercraft, or any form of motorised leisure equipment, including jet skis and snowmobiles.
Under the Personal Accident Section of this policy, you will not be covered whilst participating in any Sports and hazardous activities.
- Aerobics
- Angling/Fishing (Fresh Water)
- Archery
- Badminton
- Bamboo Rafting
- Banana Boating
- Baseball
- Basketball
- Beach Games
- Biking on road only
- Blade Skating
- Board Sailing-Inshore only
- Boating
- Body Boarding- Inshore only
- Boogie Boarding- Inshore only
- Bowls
- Canoeing
- Catamaran Sailing- Inshore only
- Clay Pigeon Shooting
- Cricket
- Croquet
- Cross Country Running
- Curling
- Cycling (excluding off-road, BMX or Mountain Biking)
- Dancing
- Darts
- Dinghy Sailing
- Disc Golf
- Doughnut
- Dragon Boat Racing
- Fell walking up to 2000 metres
- Fruit or Vegetable Picking (no higher than 3 metres)
- Glass Bottom Boats
- Goalball
- Golf
- Handball
- Hiking up to 2000 metres (excluding the use of picks, ropes and guides)
- Hobie Catting - Inshore only
- Ice-skating (rink only)
- Jet Boating - Inshore only
- Jet Skiing - Inshore only
- Jogging
- Kayaking- Inshore only and up to white water grade 3
- Kite Boarding
- Kite Surfing
- Korfball
- Laser Tag
- Low Ropes
- Motorcycling up to 50cc (Excluding Quad biking and Motorcycle Touring)
- Netball
- Non-Manual Labour – excluding Animal Sanctuary/Refuge work
- Orienteering
- Parascending (towed by boat)
- Pilates
- Pony Trekking
- Pool
- Power Boating -Inshore only
- Rackets
- Racquet Ball
- Rafting - Inshore only and up to white water grade 3
- Rambling up to 2000 metres (excluding the use of picks, ropes and guides)
- Roller skating
- Rounders
- Rowing
- Sail Boarding -Inshore only
- Sailing- Inshore
- Scuba diving (up to 18 metres, also see scuba diving endorsement in this policy)
- Sea Fishing (From Shore)
- Snooker
- Snorkelling
- Softball
- Spinning
- Squash
- Surfing - Inshore only
- Swimming - (Pool and Beach swimming within a marked area with a lifeguard only)
- Swimming off a boat (with a qualified supervisor in attendance i.e. a lifeguard)
- Swimming with dolphins
- Sydney Harbour Bridge Climbing (Professional, organised and supervised)
- Table tennis
- Tennis
- Theme Parks
- Trampolining
- Trekking up to 2000 metres (excluding the use of picks, ropes or guides)
- Tubing
- Tug of War
- Volleyball
- Wakeboarding
- Walking up to 2000 metres (excluding the use of picks, ropes and guides)
- War games
- Water Parks
- Water Polo
- Water-skiing – Inshore only and no jumping
- Whale Watching
- Windsurfing - Inshore only
- Yachting (excluding crewing) – Inshore only
- Yoga
Hazardous Activities Category B
Provided you have paid the appropriate premium, you will be covered for all the activities listed in Category A, plus the Activities listed below.
Cover for the following activities that are considered to be Sports and hazardous activities is included at no extra premium provided they are incidental to the trip (not sole purpose) and for recreational purposes only, not for competitions or any professional activity.
Under the Personal Liability Section of this policy, you will not be covered whilst participating in any Sports and hazardous activities or anything caused directly or indirectly by your owning or using any firearms or weapons, animal, aircraft, motorised vehicle, boat and other watercraft, or any form of motorised leisure equipment, including jet skis and snowmobiles.
Under the Personal Accident Section of this policy, you will not be covered whilst participating in any Sports and hazardous activities.
- Animal/Camel/Elephant/Horse/Riding under 7 days
- Breathing Observation Bubble (BOB) up to 18 metres
- Bungee Jump
- Charity Rallies (no racing) - Sole purpose of trip is covered
- Cycle Touring - Sole purpose of trip is covered
- Deep Sea Fishing -Inshore only
- Dog Sledging
- Fell Walking(between 2000 and 3000 metres altitude) - Sole purpose of trip is covered
- Fencing
- Flying a private plane or small aircraft
- Flying as a passenger in a private or small aircraft
- Football
- Glacier Walking
- Go Karting up to 250cc
- Gorilla Trekking - Sole purpose of trip is covered
- Gymnastics
- Hiking between 2000 and 3000 metres altitude (excluding the use of picks, ropes and guides) - Sole purpose of trip is covered
- Hockey - (Field)
- Hot Air Ballooning
- Hydro Zorbing
- Manual/Farm Work (ground level only no machinery - excluding Animal Sanctuary/Refuge work)
- Motorcycling (between 51cc – 125cc no racing) as a rider or passenger. When using the vehicle, either as a driver or passenger, a helmet must always be worn. The rider must hold an appropriate UK licence (Excluding Motorcycle Touring)
- Paint Balling
- Passenger Sledge
- Quad Biking (no racing) 125cc or under as a rider or passenger. When using the vehicle, either as a driver or passenger, a helmet must always be worn. The rider must hold an appropriate UK licence
- Rambling between 2000 and 3000 metres altitude (excluding the use of picks, ropes and guides) - Sole purpose of trip is covered
- Reindeer Sledge
- Safari (UK booked and not involving use of firearms) - Sole purpose of trip is covered
- Scuba Diving (between 18 and 30 metres, also see scuba diving endorsement in this policy)
- Sea Canoeing -Inshore only
- Sea Kayaking -Inshore only
- Soccer
- Trekking between 2000 and 3000 metres altitude (excluding the use of picks, ropes and guides) - Sole purpose of trip is covered
- White Water Canoeing (Grade 4)
- White Water Kayaking (Grade 4)
- White Water Rafting (Grade 4)
- Wind Tunnel Flying
Hazardous Activities Category C
Provided you have paid the appropriate premium, you will be covered for all the activities listed in Category A and B, plus the Activities listed below.
Cover for the following activities that are considered to be Sports and hazardous activities is included at no extra premium provided they are incidental to the trip (not sole purpose) and for recreational purposes only, not for competitions or any professional activity.
Under the Personal Liability Section of this policy, you will not be covered whilst participating in any Sports and hazardous activities or anything caused directly or indirectly by your owning or using any firearms or weapons, animal, aircraft, motorised vehicle, boat and other watercraft, or any form of motorised leisure equipment, including jet skis and snowmobiles.
Under the Personal Accident Section of this policy, you will not be covered whilst participating in any Sports and hazardous activities.
- Abseiling
- Big Foot
- Devil Karting
- Dirt Boarding
- Gaelic Football
- Glacier Skiing
- Gliding
- Horse riding over 7 days (no Polo, Hunting or Jumping)
- Hurling
- Ice Fishing
- Ice Hockey - With full body protection
- Kick Boxing (Training only)
- Lacrosse/Shinty
- Manual Work (ground level only including the use of light hand held machinery)
- Marathon
- Martial Arts (Training only)
- Motorcycling over 125cc. Must have a full Clean Licence and be over the age of 25 years as a rider or passenger. When using the vehicle, either as a driver or passenger, a helmet must always be worn (Excluding Quad biking and Motorcycle Touring)
- Octopush
- Off Piste Skiing (with a professional guide/instructor within recognised resort areas)
- Off Piste Snowboarding (with a professional guide/instructor within recognised resort areas)
- Outdoor Endurance Events
- River Tubing
- Roller Hockey
- Rugby
- Sand Boarding
- Sand Dune Surfing
- Sand Skiing
- Sand Yachting
- Segway (Supervised, non-competitive)
- Shark Diving (Cage only)
- Skate Boarding
- Ski Run Walking
- Ski Yawing
- Ski-Dooing
- Skiing - Sole purpose of trip is covered
- Skiing (Cross Country)
- Skiing (Dry Slope)
- Sledging
- Snow Blading - Sole purpose of trip is covered
- Snow Boarding - Sole purpose of trip is covered
- Snow Bobbing
- Snow Carting up to a 125cc
- Snow Decking
- Snow Go Karting
- Snow Kiting
- Snow Mobiling
- Snow Parascending
- Snow Scooting
- Snow Shoe Walking
- Snow Shoeing
- Snow Tubing
- Snow Zorbing
- Snowboarding (Dry Slope)
- Snowcat Driving
- Snowcat Skiing
- Summer Tobogganing
- Open water swimming
- Swimming off a boat (Unsupervised and/ or no lifeguard)
- Open water swimming with Dolphins
- Tobogganing
- Tree Top Canopy Walking
- Triathlon
- Water Hockey
- White Water Canoeing (Grade 5 to 6)
- White Water Kayaking (Grade 5 to 6)
- White Water Rafting (Grade 5 to 6)
- Yachting/Sailing (including crewing) –Offshore but within European waters only - Sole purpose of trip is covered
- Zip Lining
