Activities and Sports Insurance

You will see from our categories listed below which sports and activites are included FREE with your policy and those which require travellers to pay an additional premium. If you do not see your chosen activity listed below we are confident we can still offer cover for it. It is important that you contact us so we can discuss the activity and whether an additional premium is required.

Any claim as a result of a specific activity for which you have not purchased additional cover for or sought advice from the underwriters will not be covered. Please also note that each of the activities are covered on a non-professional and non-competitive basis, unless otherwise stated.

Any claims which arise whilst undertaking any of these activities for any purpose other than leisure (examples of non-leisure purposes include racing, timed events, professional, display events, photo shoots, etc...) will not be covered under this policy. If you are unsure please do not hesitate to contact us and we can discuss your individual requirements.

The 75 Sports and Leisure Activities included for Free!

Activity Pack 1 - The following activities are covered at no extra premium: -


Abseiling, Cycle Touring, Kiting, Scuba Diving to 18m, Aerobics, Dancing, Korfball, Scuba Diving to 30m,Amateur Athletic Field Events, Darts, Low Ropes, Scuba Diving to 9m, Amateur Athletic Track Events, Deep Sea Fishing, Manual Labour, Sea Fishing, Angling, Diving, Marathons, Shinty, Animal Sanctuary/Refuge Work, Driving Any Motorised Vehicle, Model Flying, Shooting, Archery, Elephant Trekking (UK-Booked), Model sports, Small Bore Target Shooting, Athletics, Expeditions.

Motorcycling with appropriate UK licence, Snooker, Badminton, Fell Running, Mountain Biking (on road non racing), Snorkelling, Ballooning - Hot Air, Fell Walking, Netball, Softball, Bamboo Rafting, Fencing, Orienteering, Squash (amateur), Banana Boating, Fishing, Overland Trips, Stoolball, Bar Work, Fives, Petanque, Stoopball, Baseball, Flag football, Pigeon racing, Surfing (amateur), Basketball,Flying as passenger, (private/small aircraft), Pony Trekking, Swim Trekking, Beach Games, Football, Pool, Swimming, Biathlon, Football - Beach Kick Around, Power lifting, Swimming with Dolphins, Billiards, Fresh Water Fishing, Quoits, Sydney Harbour Bridge, Bird Watching, Frisbee, Rackets, Table Tennis, Body Boarding,

Fruit or Vegetable Picking, Rafting, Team Games, Bowling, Glass Bottom Boats, Rambling, Ten Pin Bowling, Bowls, Gliding (learning non competition), Rambling under 1,000m, Tennis, Boxing Training, Golf, Rap Running/Jumping, Trekking 1000m, Bridge, Gorilla Trekking, Racquet Ball, Triathlon, Bridge Swinging, Gymnastics, Re-Enactment, Tubing, Bungee Jumping, Highland games, Restaurant Work, Tug of War.

Camel/Elephant Riding/Trekking, Hiking/Trekking/Walking, Rifle Range, Volleyball, Camping, Hill Walking up to 2000m, Ringos, Walking, Canoeing, Historical Research, River Walking , Water Skiing (amateur), Canoeing (exc. white water), Horse Riding, Rock Scrambling , (under 4,000m), Weight Lifting, Caravanning, Hot Air Ballooning, Rounders, Whale Watching, Catamaran Sailing (In-shore), Indoor Skating, Rowing, White Water Rafting + Canoeing (grade 1 to 3), Chess, Jet Boating, Running, Sprint/Long Distance, Windsurfing, Clay Pigeon Shooting.

Jet Skiing, Safari (UK Organised), Working,Climbing, Jet Skiing (non incidental), Safari Trekking, Yachting (inland and coastal waters), Cricket, Jogging, Sail Boarding, Yoga, Croquet, Kayaking (up to grade 2 rivers only), Sailing, Curling, Keepfit, Sailing/Yachting inshore (recreational)

Activity Pack 2 – Additional Premium Required: -

Provided you have paid the appropriate premium you will be covered for all the activities listed in Activity Pack 1 plus the following activities:-

Adventure Racing (up to 12 hours), Hockey (Ice) With Full Body Protection, Parasailing (over water) incidental, Snow Biking, Parascending (Over water), Snow Blading, Parascending (over water, non incidental), Snow Bobbing, Passenger Sledge, Snow Mobile/Ski Doos, Polo cross, Snow Mobiling.

Power Boating, Snow Parascending, Professional Entertaining, Snow Scooting, Quad Bikes, Snow Shoe Walking, Rambling up to 2,000m, Snow Tubing, River Tubing, Snowboarding, Rodeo, Snowcat Driving, Roller Blading (Line Skating/Skate Boarding), Soccer, Roller Hockey, Speed Sailing, Roller skating, Speed Skating, Rugby (amateur game), Speed Trials/Time Trials, Rugby (training), Sphereing, Rugby League, Street Hockey, Rugby Union, Summer Tobogganing, Safari (non UK Organised), Surfcasting, Sand Dune Surfing/Skiing, Taw Kwon Do, Sand Yachting.

Telemarking, Shark Cage Diving, Tobogganing/Sledging, Skateboarding, Trampolining, Ski Boarding, Tree Top Canopy Walking, Ski Dooing, Trekking 2000m, Skiing, Ultimate, Skiing – Mono, Under 17 Driving (not public roads), Skiing – Nordic, War Games/Paint Balling, Sky Diving (max 2 jumps), Water Polo (amateur), Sledging, Water Ski Jumping, Sledging/Tobogganing, White Water Rafting (grade 4 to 6).

Sleigh riding (reindeer, horses or dogs), Winter sports, Wrestling, Adventure Racing (up to 6hrs), Horse Jumping (no Polo, Hunting), Airsoft, Horse Riding (Eventing), American Football, Husky Dog Sledding, Big Foot Skiing, Hydro Zorbing, Blade Skating, Ice Hockey, Bobbing, Ice Skating, Breathing Observation Bubble (BOB), Indoor Climbing (climbing wall), Canoeing (White Water),Iron Man, Canyoning, Jousting, Cat Skiing.

Judo, Cross Country Running, Karate, Cross Country Skiing, Karting, Dragon Boat Racing, Kayaking (grade 3 rivers only), Dry Slope Skiing, Kayaking (In-land waters), Elephant Trekking (non-UK booked), Kendo, Equestrian, Kick Sledging, Falconry, Kite Boarding, Flying crew/pilot, Lacrosse, Flying Helicopter (Pilot), Land Skiing, Football – Amateur, Land Yachting, Gaelic Football, Langlauf, Glacier Walking, Martial Arts (Training Only).

Gliding, Modern Pentathlon, Gliding (non competition), Mono Skiing, Go Karting, Mountain Biking (off road non racing), Gorge Walking (no ropes), Mountain Boarding, Handball, Mountain Walking up to 1000m, Harness Racing, Mountaineering up to 1000m, High Diving, Off Road Motorcycling (up to 250cc), Hobie Catting (In-shore), Off-piste skiing, Hockey, Paint Balling.

Activity Pack 3 - Additional Premium Required:-

Provided you have paid the appropriate premium you will be covered for all of the activities listed in Activity Pack 1 & 2 plus the following activities:-

Boardsailing, Ice Windsurfing, Ski Blading, Buggying, Kite Buggying, Ski Randonee, Caving/Pot Holing, Kite Surfing, Ski Touring, Cyclo Cross, Mountaineering up to 2,000m, Ski Yawing, Devil Karting, Octopush, Skiing – Freestyle, Dinghy Sailing, Outdoor Endurance Tests, Skiing – Glacier, Dirt Boarding, Paragliding, Skiing – Snowcat.

Extreme Sports, Parascending (over land), Snow Carting, Glacier Skiing, Power Gliding, Snow Go Karting, Heliskiing, Power Kiting, Snow Kiting, Hurling, River Bugging, Trekking 3000m, Hydrospeeding, Rock Climbing (under 2,000m), Via Ferratta, Ice Climbing,Skeleton, Wake Boarding, Ice Go Carting, Ski Biking, Wind Tunnel Flying, Winter Walking.

Activity Pack 4 - Additional Premium Required:-

Provided you have paid the appropriate premium you will be covered for all of the activities listed in Activity Pack 1 & 2 & 3 plus the following activities:-

Adventure Racing (up to 24 hours), Gliding (competition), Scuba Diving to 40m, Assault Courses including High Ropes, Hang Gliding, Ski Flying, Black Water Rafting (Grades 1 to 3), Micro Lighting, Ski Mountaineering, Blowcarting, MotoCross, Ski Run Walking, BMX Freestyle & Racing, Motor Racing/Rallies/Competitions (all types).

Skiing - Off Piste Without a Guide, Cave Diving, Mountaineering up to 3,000m, Snow/Terrain Parks, Slack-Lining, Cycle Racing, Parapenting/Paraponting, Wicker Basket Tobogganing, Freestyle Skateboarding, Polo, Zip Trekking, Zorbing