Activities
The table below lists all the activities that we can cover. A number of activities are covered in the standard policy, the rest can be added individually or as an adventure module, as indicated. The column marked ‘category’ in the table below shows which activities are covered as standard and which can be purchased as an adventure module. All other activities are available individually. The adventure modules are explained in more detail in our policy extensions section.
You can purchase the modular package or the individual activities by using the ‘add activities and extensions’ button within the quote.
There are Conditions which apply to the activities, please see at the end of the table for more information.
| Activity | Guidance | Specific conditions | Additional premium required | Category |
|---|---|---|---|---|
| Abseiling | Not associated with mountaineering | a,b,c | Yes | Group B |
| Aerial Skiing | c | Yes | Additional | |
| Aerobics | No | Insured | ||
| American football | b | Yes | Additional | |
| Archery | a,b | No | Insured | |
| Athletics track events | b | No | Insured | |
| Badminton | No | Insured | ||
| Banana boats | Yes | Additional | ||
| Baseball | a,b | No | Insured | |
| Basketball | No | Insured | ||
| Battle re-enactment | b | No | Insured | |
| Beach games | No | Insured | ||
| Black water rafting | a,b | Yes | Group B | |
| BMX cycling | Yes | Additional | ||
| Bob sleighing | a,b,c | Yes | Additional | |
| Body boarding | No | Insured | ||
| Bouldering | a | Yes | Additional | |
| Bowls | No | Insured | ||
| Bridge/gorge swinging | b,c | Yes | Group B | |
| Bungee jumping | b,c | No | Insured | |
| Camel riding | a,b | No | Insured | |
| Canoeing | White water up to grade 3 | a,b,c | No | Insured |
| Canyoning | a,b | Yes | Additional | |
| Cave diving | a,b | Yes | Additional | |
| Cave tubing | a,b | Yes | Group B | |
| Caving | a | Yes | Additional | |
| Clay pigeon shooting | b | No | Insured | |
| Coasteering | a | Yes | Additional | |
| Competitive wintersports | Participation in amateur competitions only | a,b | Yes | Additional |
| Cricket | Yes | Additional | ||
| Cross country skiing | On locally recognised tracks | c | Yes | Winter |
| Curling | b,c | No | Insured | |
| Cycle touring | b | Yes | Group A | |
| Cycling | Excluding BMX and mountain biking | No | Insured | |
| Day trekking up to 4,000m | Non alpine/involving ropes | a | Yes | Group A |
| Deep sea fishing | a,b | No | Insured | |
| Dinghy sailing | a,b | No | Insured | |
| Dog sledding/sledging | a,b | Yes | Group A | |
| Dry slope skiing | c | Yes | Winter | |
| Elephant riding | a,b | No | Insured | |
| Falconry | a | No | Insured | |
| Fell running | b | Yes | Additional | |
| Fell walking | No | Insured | ||
| Fishing | No | Insured | ||
| Flying light aircraft | As passenger only | a,b | No | Insured |
| Flying light aircraft | Lessons only | a,b | Yes | Additional |
| Football | Yes | Additional | ||
| Free diving | c | Yes | Additional | |
| Glacier trekking | a,b | Yes | Additional | |
| Gliding | a,b | Yes | Group B | |
| Go karting | c | No | Insured | |
| Golf | c | No | Insured | |
| Gym fitness training | c | No | Insured | |
| Hand ball | c | No | Insured | |
| Hang gliding | a,b | Yes | Additional | |
| Heli skiing | a,b | Yes | Additional | |
| Helicopter ride | As passenger only | a,b | No | Insured |
| Heptathlon | b,c | Yes | Additional | |
| High diving | Up to 10 metres | c | Yes | Additional |
| Hiking | Up to 2,000m in moderate terrain | No | Insured | |
| Hill walking and rambling | No | Insured | ||
| Hockey | c | Yes | Additional | |
| Horse drawn sleigh | As passenger only | a,b | No | Insured |
| Horse riding | Excluding jumping, polo, safari or ranching | a,b | No | Insured |
| Horse riding | including horse safaris, but excluding jumping, polo or ranching | a,b | Yes | Additional |
| Hot air ballooning | As passenger only | a,b | No | Insured |
| Hunting | a,b | Yes | Additional | |
| Husky sledge driving | a,b | Yes | Additional | |
| Ice climbing | a,b | Yes | Additional | |
| Ice fishing | Yes | Winter | ||
| Ice hockey | b,c | Yes | Additional | |
| Ice skating | c | Yes | Group B | |
| Ice skating | Rink only | c | No | Insured |
| Indoor climbing | a,b,c | Yes | Group A | |
| Jet boating | As passenger only | Yes | Group A | |
| Jet skiing | a,b | Yes | Group B | |
| Jogging | No | Insured | ||
| Kayaking - grade 3 | White water up to grade 3 | a,b,c | No | Insured |
| Kayaking - grade 4 | White water up to grade 4 | a,b,c | Yes | Group B |
| Kayaking - grade 5 | White water up to grade 5 | a,b,c | Yes | Additional |
| Kite surfing | Over water | a,b | Yes | Additional |
| Lacrosse | b,c | Yes | Additional | |
| Land yachting | a,b | Yes | Additional | |
| Luging | a,b,c | Yes | Additional | |
| Marathon running | b | Yes | Additional | |
| Martial arts training | Non contact | a,b | Yes | Additional |
| Micro lighting | a,b | Yes | Additional | |
| Mono-skiing on-piste | c | Yes | Winter | |
| Motorcross | a,b | Yes | Additional | |
| Mountain biking | Strenuous terrain | Yes | Additional | |
| Mountain biking | Challenging terrain | Yes | Group B | |
| Mountain biking | Moderate terrain | Yes | Group A | |
| Mud buggying | a,b,c | Yes | Additional | |
| Netball | c | No | Insured | |
| Off road driving 4x4 | b,c | Yes | Additional | |
| Orienteering | Up to moderate terrain | b | No | Insured |
| Ostrich riding | a,b | Yes | Group A | |
| Paintball | a,b,c | No | Insured | |
| Parachuting | a,b | Yes | Additional | |
| Paragliding | a,b | Yes | Additional | |
| Parasailing | Only on inland waters or coastal waters within a 6 miles limit from land | a,b | No | Insured |
| Polo | a,b | Yes | Additional | |
| Pony trekking | a,b | No | Insured | |
| Potholing | a,b | Yes | Additional | |
| Power kiting | a,b | Yes | Additional | |
| Quad biking up to 250cc | Yes | Group A | ||
| Rafting - grade 3 | Up to white water grade 3 | a,b,c | No | Insured |
| Rafting - grade 4 | Up to white water grade 4 | a,b,c | Yes | Group A |
| Rafting - grade 5 | Up to white water grade 5 | a,b,c | Yes | Additional |
| Rambling | No | Insured | ||
| Ranching | a,b,c | Yes | Additional | |
| Rifle and air pistol shooting | a,b,c | No | Insured | |
| Rock climbing | a,b | Yes | Additional | |
| Rock scrambling | a,b | Yes | Additional | |
| Roller blading | No | Insured | ||
| Rounders | No | Insured | ||
| Rugby | b,c | Yes | Additional | |
| Safari | Including Gorilla trekking | a,b | No | Insured |
| Safari riding | a,b | Yes | Group B | |
| Sail boarding | Yes | Additional | ||
| Sail plane gliding | a,b | Yes | Additional | |
| Sand boarding | Yes | Group A | ||
| Sand yachting | Yes | Additional | ||
| Scrambling | a,b | Yes | Additional | |
| Scuba diving to 18 metres | a | No | Insured | |
| Scuba diving to 30 metres | a | Yes | Additional | |
| Scuba diving to 40 metres | Qualified or with a qualified instructor | a | Yes | Additional |
| Sea canoeing | Only on coastal waters within a 12 miles limit from land | a,b,c | No | Insured |
| Sea kayaking | Only on coastal waters within a 12 miles limit from land | a,b,c | No | Insured |
| Shark diving | a,b | Yes | Group A | |
| Skateboarding | No | Insured | ||
| Skating | No | Insured | ||
| Skeletons | a,b,c | Yes | Additional | |
| Ski dooing | b | Yes | Winter | |
| Skiing off-piste | a | Yes | Winter | |
| Skiing on-piste | Including telemark skiing | c | Yes | Winter |
| Sky diving | a,b | Yes | Additional | |
| Sledging | c | Yes | Winter | |
| Sleigh rides | As passenger only | a,b | No | Insured |
| Snooker, pool and billiards | No | Insured | ||
| Snorkelling | No | Insured | ||
| Snow mobiling | a,b | Yes | Winter | |
| Snowblading | c | Yes | Winter | |
| Snowboarding off-piste | a | Yes | Winter | |
| Snowboarding on-piste | c | Yes | Winter | |
| Squash | c | No | Insured | |
| Surfing | No | Insured | ||
| Swimming | Only in a pool or inland waters or coastal waters within a 6 miles limit from land | No | Insured | |
| Table tennis | c | No | Insured | |
| Tallship crewing | b | Yes | Additional | |
| Tennis | c | No | Insured | |
| Tobogganing | c | Yes | Winter | |
| Tree top canopy walking | b,c | No | Insured | |
| Trekking up to 2,000mtrs | In moderate terrain | No | Insured | |
| Trekking up to 4,000mtrs | Where ropes are not required | b | Yes | Additional |
| Trekking up to 7,000mtrs | Where ropes are not required | a,b | Yes | Additional |
| Triathlon | b | Yes | Additional | |
| Via Ferreta | a,b | Yes | Group A | |
| Volleyball | c | No | Insured | |
| Wake boarding | No | Insured | ||
| Water polo | c | No | Insured | |
| Water skiing | Only on inland waters or coastal waters within a 6 miles limit from land | No | Insured | |
| Windsurfing | Only on inland waters or coastal waters within a 6 miles limit from land | No | Insured | |
| Working abroad as a ski/snowboard instructor | Yes | Additional | ||
| Yachting, boating, sailing and rowing | Only on inland waters or coastal waters within a 12 miles limit from land | a,b | No | Insured |
| Yachting, sailing | Crewing non-competition | a,b | Yes | Additional |
| Yachting, sailing | Crewing competition | a,b | Yes | Additional |
| Zip wire | b,c | Yes | Group B | |
| Zorbing | c | No | Insured |
Conditions
- These apply to all activities
- 1. The activities must be carried out in a safe and responsible way.
- 2. You must not act irresponsibly or put yourself in needless danger.
- 3. You must take notice of and follow all local safety warnings and guidelines.
- 4. You must participate in safe areas and/or areas covered by rescue facilities.
- 5. You must wear the usual protective clothing and observe the normal safety procedures of the activity.
- 6. You must adhere to the following conditions as annotated in the activities listed above.
Specific conditions
- a) You are accompanied by, or have access to, an experienced and/or suitably qualified instructor or guide;
- b) You are properly supervised, taking part in an organised event or activity arranged by a recognised provider;
- c) You use natural or purpose built facilities approved by the activity's local or national regulatory authorities.
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