Activities Covered
Use the table below to find all the activities you are covered for, and which require you to pay an additional premium.
| Activity | Cover Available |
|---|---|
| Abseiling (within organiser’s guidelines) | Covered as standard |
| Administrative or Clerical Occupations | Covered as standard |
| Aerobics | Covered as standard |
| Air-boarding * | Covered if the appropriate Winter Sports premium has been paid |
| Amateur Athletics (track and field) | Covered as standard |
| Angling | Covered as standard |
| Archaeological Digging | Covered as standard |
| Archery * | Covered as standard |
| Assault Course | Covered as standard |
| Badminton | Covered as standard |
| Banana Boating | Covered as standard |
| Bar/restaurant work * | Covered as standard |
| Baseball | Covered as standard |
| Basketball | Covered as standard |
| Beach Games | Covered as standard |
| Big Foot Skiing | Covered if the appropriate Winter Sports premium has been paid |
| Billiards/Snooker/Pool | Covered as standard |
| Blade Skating | Covered if the appropriate Winter Sports premium has been paid |
| Body Boarding (boogie boarding) | Covered as standard |
| Bowling | Covered as standard |
| Bowls | Covered as standard |
| Bungee Jumping/Swoop (within organisers guidelines) | Covered as standard |
| Camel/Elephant Riding/Rambling / Trekking / Hiking * | Covered as standard |
| Canoeing (up to grade 2 rivers) * | Covered as standard |
| Clay Pigeon Shooting * | Covered as standard |
| Climbing (on climbing wall only) | Covered as standard |
| Cricket | Covered as standard |
| Croquet | Covered as standard |
| Cross Country Running (non competitive) | Covered as standard |
| Cross Country/Nordic Skiing | Covered if the appropriate Winter Sports premium has been paid |
| Curling | Covered as standard |
| Cycling (no racing) | Covered as standard |
| Deep Sea Fishing | Covered as standard |
| Driving any motorised vehicle (other than a Quad bike) for which you are licensed to drive in the United Kingdom (other than in motor rallies or competitions) * | Covered as standard |
| Dry Slope Skiing | Covered if the appropriate Winter Sports premium has been paid |
| Falconry | Covered as standard |
| Fell Walking/Running | Covered as standard |
| Fencing | Covered as standard |
| Fishing | Covered as standard |
| Fives | Covered as standard |
| Flying as a fare paying passenger in a fully licensed passenger carrying aircraft | Covered as standard |
| Football (amateur only and not main purpose of trip) | Covered as standard |
| Fresh Water/Sea Fishing | Covered as standard |
| Fruit or vegetable picking (non-mechanical) | Covered as standard |
| Glacier Skiing/Walking | Covered if the appropriate Winter Sports premium has been paid |
| Glass bottom boats * | Covered as standard |
| Gliding (under instruction) * | Covered as standard |
| Go Karting (within organisers guidelines) * | Covered as standard |
| Golf | Covered as standard |
| Handball | Covered as standard |
| Horse riding with a helmet (excluding competitions, racing, jumping and hunting)* | Covered as standard |
| Hot Air Ballooning (organised pleasure rides only) * | Covered as standard |
| Husky Dog Sledding (organised, non-competitive with local driver) | Covered if the appropriate Winter Sports premium has been paid |
| Ice Go Karting (within organisers guidelines)* | Covered if the appropriate Winter Sports premium has been paid |
| Ice Skating (1 day maximum) | Covered as standard |
| Ice Skating (for more than 1 day) | Covered if the appropriate Winter Sports premium has been paid |
| Ice Windsurfing* | Covered if the appropriate Winter Sports premium has been paid |
| Indoor climbing (on climbing wall) | Covered as standard |
| Jet Boating (no racing) * | Covered as standard |
| Jet Skiing (no racing) * | Covered as standard |
| Jogging | Covered as standard |
| Karting (no racing) * | Covered as standard |
| Kayaking (up to grade 2 rivers) * | Covered as standard |
| Kick Sledging | Covered if the appropriate Winter Sports premium has been paid |
| Korfball | Covered as standard |
| Marathon Running (non professional) | Covered as standard |
| Motor Cycling (full licence held for cc of motorcycle, helmet must be worn) * | Covered as standard |
| Mountain Biking (no racing) | Covered as standard |
| Netball | Covered as standard |
| Octopush | Covered as standard |
| Orienteering | Covered as standard |
| Paint Balling/War Games (wearing eye protection) * | Covered as standard |
| Parachuting (tandem only) * | Covered as standard |
| Parascending (over water) * | Covered as standard |
| Pony Trekking | Covered as standard |
| Power Boating (no racing and non-competitive) * | Covered as standard |
| Racket Ball | Covered as standard |
| Rambling / Trekking / Hiking under 3,000m | Covered as standard |
| Refereeing (amateur only) | Covered as standard |
| Ringos | Covered as standard |
| Roller Skating/Blading/in line skating (wearing pads and helmets) | Covered as standard |
| Rounders | Covered as standard |
| Rowing (no racing) * | Covered as standard |
| Running (non-competitive and not marathon) | Covered as standard |
| Safari Trekking (must be UK organised tour) | Covered as standard |
| Sailing/Yachting (inland waters or coastal waters within 12 miles of land, if qualified or accompanied by a qualified person and no racing) * | Covered as standard |
| Sand Boarding /Surfing/Skiing | Covered as standard |
| Scuba diving up to a depth of 30 metres (if PADI or equivalent qualified or accompanied by a qualified instructor and not diving alone) * | Covered as standard |
| Skateboarding | Covered as standard |
| Ski – blading | Covered if the appropriate Winter Sports premium has been paid |
| Ski Boarding | Covered if the appropriate Winter Sports premium has been paid |
| Skiing - alpine | Covered if the appropriate Winter Sports premium has been paid |
| Skiing – mono | Covered if the appropriate Winter Sports premium has been paid |
| Skiing - off piste but within the resort boundaries‡ | Covered if the appropriate Winter Sports premium has been paid |
| Skiing on piste‡ | Covered if the appropriate Winter Sports premium has been paid |
| Sledging/Sleigh Riding as a passenger (pulled by horse or reindeer)* | Covered if the appropriate Winter Sports premium has been paid |
| Sledging/Toboganning (not on snow) | Covered as standard |
| Sledging/Tobogganing | Covered if the appropriate Winter Sports premium has been paid |
| Small Bore Target Shooting / Rifle Range Shooting (within organisers guidelines) * | Covered as standard |
| Snorkelling | Covered as standard |
| Snow Blading | Covered if the appropriate Winter Sports premium has been paid |
| Snow Boarding - off piste but within the resort boundaries‡ | Covered if the appropriate Winter Sports premium has been paid |
| Snow Boarding on piste‡ | Covered if the appropriate Winter Sports premium has been paid |
| Snow Shoe Walking | Covered if the appropriate Winter Sports premium has been paid |
| Snow Tubing | Covered if the appropriate Winter Sports premium has been paid |
| Snowmobiling (skidoo)* | Covered if the appropriate Winter Sports premium has been paid |
| Softball | Covered as standard |
| Spear Fishing (without tanks) | Covered as standard |
| Speed Sailing (no racing) * | Covered as standard |
| Squash | Covered as standard |
| Students working as counsellors or university exchanges for practical course work (not manual work) | Covered as standard |
| Surfing * | Covered as standard |
| Swimming | Covered as standard |
| Swimming with Dolphins / Elephants * | Covered as standard |
| Sydney Harbour Bridge (walking across clipped onto safety line) | Covered as standard |
| Table Tennis | Covered as standard |
| Tall Ship Crewing (no racing) * | Covered as standard |
| Ten Pin Bowling | Covered as standard |
| Tennis | Covered as standard |
| Tobogganing | Covered if the appropriate Winter Sports premium has been paid |
| Training/Racing (ski school) | Covered if the appropriate Winter Sports premium has been paid |
| Trampolining | Covered as standard |
| Tree Canopy Walking | Covered as standard |
| Trekking/Hiking/endurance activities up to 3,000 metres above sea level | Covered as standard |
| Tug of War | Covered as standard |
| Volleyball | Covered as standard |
| Wake Boarding | Covered as standard |
| Water Polo | Covered as standard |
| Water Skiing / Water Ski Jumping * | Covered as standard |
| Whale Watching | Covered as standard |
| White Water Rafting (up to grade 2 rivers) * | Covered as standard |
| Wind Surfing/Sailboarding * | Covered as standard |
| Wind Tunnel Flying * | Covered as standard |
| Winter Walking (using crampons and ice picks only) | Covered if the appropriate Winter Sports premium has been paid |
| Zip Lining/Trekking (safety harness must be worn) | Covered as standard |
| Zorbing/Hydro Zorbing/Sphering | Covered as standard |
Covered as standard without charge – *
No cover under Section 4 – Personal accident and Section 7 – Personal liability for those sports or activities marked with *, all other terms and conditions of the policy will apply.
Lapland – If travelling to Lapland for no more than 2 nights, participation in the following activities are covered without the additional Winter Sports premium being required: husky dog sledding (organised, non-competitive with local driver) and sledging/sleigh riding as a passenger (pulled by horse or reindeer)*.
Winter Sports – Payment of the optional Winter Sports additional premium is required to extend all sections of your policy to include Winter Sports activities as detailed in the Winter Sports cover section.
Covered if the appropriate Winter Sports premium has been paid – *
No cover under Section 7 – Personal liability for those sports or activities marked with *
You are not covered when engaging in organised competitions (other than as part of ski school instruction) or when skiing/snow boarding against local authoritative warning or advice.
If there are any activities which are not listed above you are wishing to partake in whilst away, please contact us and we will see what we can do.
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