Cover for Activities
Please find below a list of activities with details of whether we cover each as standard under the policy, or upon purchase of our optional Winter Sports extension. We have also detailed whether we provide Personal Accident* and Personal Liability** cover in relation to each activity.
Please note, where we’ve stated the activity will only be covered ‘inshore only’, this means the activity must take place in inland waters or within 12 nautical miles of the coastline.
Eligibility
We are unable to provide cover for anyone participating in any sport or activity if you are participating in or training:
- For a competition or a tournament.
- On a professional or semi-professional basis
- Water based activities outside 12 nautical miles from the coastline
- For any sport or activity listed as not covered
| Activity | Activity Covered? | Personal Accident & Personal Liability Cover Included? |
|---|---|---|
| Abseiling (within organisers guidelines) | As standard | Yes |
| Aerial Safaris (in chartered aircraft and an organised excursion) | As standard | Yes |
| Air Boarding | Winter Sports Extension | Yes |
| Angling | As standard | Yes |
| Archaeological Digging | As standard | Yes |
| Archery | As standard | No PA or PL cover |
| Assault Course | As standard | Yes |
| Athletics | As standard | No PA or PL cover |
| Badminton | As standard | Yes |
| Bamboo rafting - Inshore Only | As standard | Yes |
| Banana Boating - Inshore Only | As standard | Yes |
| Bar and Restaurant Work | As standard | Yes |
| Baseball | As standard | No PA or PL cover |
| Basketball | As standard | Yes |
| Battle Re-enactment | No Cover | N/A |
| Beach games | As standard | Yes |
| Big Foot Skiing | Winter Sports Extension | Yes |
| Billiards | As standard | Yes |
| Blading (no stunts) | As standard | Yes |
| Board Sailing - Inshore Only | As standard | No PA or PL cover |
| Body Boarding - Inshore Only | As standard | Yes |
| Boogie Boarding - Inshore Only | As standard | Yes |
| Bowling/Bowls | As standard | Yes |
| Bungee Jumping | As standard | No PA or PL cover |
| Cable Car Ride | As standard | Yes |
| Camel Riding/Trekking | As standard | No PA or PL cover |
| Canoeing/Kayaking/Rafting/White Water rafting grade 6 | No Cover | N/A |
| Canoeing/Rafting/White Water Rafting/Kayaking grades 4 and 5 - Inshore Only | As standard | No PA or PL cover |
| Canoeing/Rafting/White Water Rafting/Kayaking up to grade 3 - Inshore Only | As standard | Yes |
| Canyoning | No Cover | N/A |
| Catamaran/Yachting/Sailing - Inshore Only | As standard | No PA or PL cover |
| Cave Diving | No Cover | N/A |
| Clay pigeon shooting/small Bore target shooting/rifle range | As standard | No PA or PL cover |
| Cliff or Base Diving/Jumping | No Cover | N/A |
| Climbing (on climbing wall only) | As standard | Yes |
| Cricket | As standard | Yes |
| Croquet | As standard | Yes |
| Cross Country Running | As standard | Yes |
| Cross Country Skiing (Recognised Paths) | Winter Sports Extension | Yes |
| Curling | As standard | Yes |
| Cycling (Excluding Mountain Biking, BMX and Touring) | As standard | No PA or PL cover |
| Dancing (including lesson participation) | As standard | Yes |
| Darts | As standard | Yes |
| Deep Sea Fishing - Inshore Only | As standard | Yes |
| Dinghy Sailing - Inshore Only | As standard | No PA or PL cover |
| Dragon Boat Racing - Inshore Only | As standard | No PA or PL cover |
| Dry Slope Skiing / Boarding | As standard | Yes |
| Dry Slope Skiing/Snowboarding | Winter Sports Extension | Yes |
| Electronic Scooters | No Cover | N/A |
| Elephant Riding/Trekking | As standard | No PA or PL cover |
| Falconry | As standard | Yes |
| Fell Running (up to 4,000 metres) | As standard | Yes |
| Fell Walking (up to 4,000 metres) | As standard | Yes |
| Fencing | As standard | No PA or PL cover |
| Fishing - Inshore Only | As standard | Yes |
| Fives | As standard | Yes |
| Flag American Football | As standard | Yes |
| Flying (as a pilot) | No Cover | N/A |
| Flying as a passenger in an aircraft (private plane/Helicopter/Glider) | As standard | Yes |
| Football | As standard | Yes |
| Frisbee/Ultimate Frisbee | As standard | Yes |
| Fruit or vegetable picking (under 3 metres) | As standard | Yes |
| Glacier Skiing/Walking | Winter Sports Extension | Yes |
| Glass bottom boats/bubbles | As standard | Yes |
| Gliding as a passenger and with a qualified pilot | As standard | Yes |
| Gliding/Hang Gliding | No Cover | N/A |
| Go Karting (up to 120cc, wearing a helmet) | As standard | No PA or PL cover |
| Goalball | As standard | Yes |
| Golf | As standard | Yes |
| Gorilla Trekking (organised tours only) | As standard | Yes |
| Gym Fitness | As standard | Yes |
| Gymnastics | As standard | Yes |
| Handball | As standard | Yes |
| Helicopter Rides (passenger only) | As standard | Yes |
| Hiking up to 4,000 metres | As standard | Yes |
| Hobie Cat Sailing - Inshore Only | As standard | No PA or PL cover |
| Hockey (field) | As standard | Yes |
| Horse Riding (wearing a helmet and excluding racing, jumping, hunting and less that 7 days) | As standard | No PA or PL cover |
| Hot Air Ballooning (as a Pilot) | No Cover | N/A |
| Hot Air Ballooning (passenger only) | As standard | Yes |
| Hot Dogging up to grade 3 | As standard | Yes |
| Hot Springs | As standard | Yes |
| Hunting, any use of firearm | No Cover | N/A |
| Hydro Zorbing | As standard | Yes |
| Ice Cricket | As standard | No PA or PL cover |
| Ice Cricket | Winter Sports Extension | No PL cover |
| Ice Skating (rink only) | As standard | Yes |
| Ice Surfing | As standard | No PA or PL cover |
| Ice Windsurfing | Winter Sports Extension | No PL cover |
| In-line Skating (no stunts) | As standard | Yes |
| Jet Boating (passenger only) - Inshore Only | As standard | No PA or PL cover |
| Jet Skiing | No Cover | N/A |
| Jogging | As standard | Yes |
| Jousting | No Cover | N/A |
| Kayaking (incl. White Water) grades 4 and 5 - Inshore Only | As standard | No PA or PL cover |
| Kayaking (incl. White Water) up to grade 3 - Inshore Only | As standard | Yes |
| Kick Sledging | Winter Sports Extension | Yes |
| Korfball | As standard | Yes |
| Land Skiing | As standard | Yes |
| Langlauf | Winter Sports Extension | Yes |
| Llama Riding | As standard | No PA or PL cover |
| Marathon Running | No Cover | N/A |
| Martial Arts | No Cover | N/A |
| Micro Lighting | No Cover | N/A |
| Mono-Skiing | Winter Sports Extension | Yes |
| Mopeds (maximum 125cc, and passed CBT training, wearing a helmet) | As standard | No PA or PL cover |
| Motor Sports/Racing of any kind Land/Sea | No Cover | N/A |
| Motorcycling (maximum 125cc, and passed CBT training, wearing a helmet) | As standard | No PA or PL cover |
| Mountain/BMX biking/Cycle Touring | No Cover | N/A |
| Mule Trekking | As standard | No PA or PL cover |
| Netball | As standard | Yes |
| Nordic Skiing (Recognised Paths) | Winter Sports Extension | Yes |
| Octopush | As standard | Yes |
| Off-Piste Skiing/Snowboarding (Within Resort Boundaries) | Winter Sports Extension | Yes |
| On-Piste Skiing/Snowboarding | Winter Sports Extension | Yes |
| Orienteering (up to 4,000 metres above sea level) | As standard | Yes |
| Ostrich riding | As standard | No PA or PL cover |
| Parachuting tandem only | As standard | No PA or PL cover |
| Parascending/Paragliding (towed by a boat over water) - Inshore Only | As standard | Yes |
| Pedalos - Inshore Only | As standard | Yes |
| Pilates | As standard | Yes |
| Polo | No Cover | N/A |
| Pony Trekking (wearing a helmet) | As standard | No PA or PL cover |
| Pool | As standard | Yes |
| Power Boating (passenger only) - Inshore Only | As standard | No PA or PL cover |
| Quad Biking/ATVs | No Cover | N/A |
| Racquet Ball / Rackets | As standard | No PA or PL cover |
| Rambling (up to 4,000 metres above sea level) | As standard | Yes |
| Reverse Bungee | As standard | No PA or PL cover |
| Rifle Range | As standard | No PA or PL cover |
| Ringos - Inshore Only | As standard | Yes |
| River Bugging | As standard | No PA or PL cover |
| River Sledging | As standard | No PA or PL cover |
| River Tubing | As standard | No PA or PL cover |
| Rock Climbing | No Cover | N/A |
| Roller Skating/Blading/In-line (incidental, wearing pads, helmet and no stunts) | As standard | Yes |
| Rounders | As standard | Yes |
| Rowing - Inshore Only | As standard | Yes |
| Safari in a vehicle/Trekking/Tracking (organised tour, no fire arms) | As standard | Yes |
| Sailing/Boating/yachting of any kind outside of 12 nautical miles from the coastline or outside of European Waters | No Cover | N/A |
| Sailing/Yachting European Waters only - Inshore Only | As standard | No PA or PL cover |
| Sand Duning | As standard | No PA or PL cover |
| Sand Skiing | As standard | No PA or PL cover |
| Sand Surfing | As standard | No PA or PL cover |
| Sand Yachting | As standard | No PA or PL cover |
| Sandboarding | As standard | No PA or PL cover |
| Scuba Diving (up to a depth of 30 metres (if qualified or accompanied by qualified instructor and not diving alone) - Inshore Only | As standard | Yes |
| Scuba Diving deeper than 30 metres | No Cover | N/A |
| Sea Fishing - Inshore Only | As standard | Yes |
| Sea Kayaking (withing European Waters, no racing) - Inshore Only | As standard | Yes |
| Segway | No Cover | N/A |
| Shark Diving (professionally supervised in a cage) - Inshore Only | As standard | Yes |
| Shoe Shoeing | Winter Sports Extension | Yes |
| Skateboarding (waring pads and helmet, no stunts) | As standard | Yes |
| Ski Randonnee | Winter Sports Extension | Yes |
| Ski Run Walking | Winter Sports Extension | Yes |
| Ski Skimming | Winter Sports Extension | Yes |
| Ski Touring | Winter Sports Extension | Yes |
| Skidooing | Winter Sports Extension | No PA or PL cover |
| Skin Diving (up to a depth of 30 metres (if qualified or accompanied by a qualified instructor and not diving alone) - Inshore Only | As standard | Yes |
| Skydiving (Tandem only) | As standard | No PA or PL cover |
| Sledding/Sledging or Sleigh Riding (passenger only if pulled by Horse, Dogs or Reindeer) | As standard | Yes |
| Sledging (passenger only if pulled by Husky) | Winter Sports Extension | Yes |
| Small Bore Target Shooting | As standard | No PA or PL cover |
| Snooker | As standard | Yes |
| Snorkelling - Inshore Only | As standard | Yes |
| Snow Blading | Winter Sports Extension | Yes |
| Snow Tubing | Winter Sports Extension | Yes |
| Snow Zorbing | Winter Sports Extension | Yes |
| Snowcat Skiing (With a Professional Guide) | Winter Sports Extension | Yes |
| Snowmobiling | Winter Sports Extension | No PA or PL cover |
| Soccer | As standard | Yes |
| Softball | As standard | Yes |
| Speed Boating (passenger only) | As standard | No PA or PL cover |
| Sphereing | As standard | Yes |
| Spinning Class | As standard | Yes |
| Squash | As standard | No PA or PL cover |
| Surfing - Inshore Only | As standard | Yes |
| Swimming - Inshore Only | As standard | Yes |
| Swimming with Dolphins - Inshore Only | As standard | Yes |
| Swimming/Bathing with Elephants | As standard | No PA or PL cover |
| Sydney Harbour Bridge Walk (organised and walking across clipped onto a safety line) | As standard | Yes |
| Table Tennis | As standard | Yes |
| Tall Ship Crewing - Inshore Only | As standard | No PA or PL cover |
| Team Building | As standard | Yes |
| Ten Pin Bowling | As standard | Yes |
| Tennis | As standard | Yes |
| Tightrope/High rope walking/Slacklining | No Cover | N/A |
| Tobogganing | Winter Sports Extension | Yes |
| Touch Football | As standard | Yes |
| Trampolining | As standard | Yes |
| Tree Top Trekking/Canopy Walking | As standard | Yes |
| Trekking (below 4,000 metres only) | As standard | Yes |
| Tubing | As standard | Yes |
| Tug of War | As standard | Yes |
| Vollyball | As standard | Yes |
| Wake Boarding - Inshore Only | As standard | Yes |
| Walking (below 4,000 metres only) | As standard | Yes |
| Walking/Fell Walking/Running/Trekking/Hiking/ Orienteering/Rambling above 4,000 metres | No Cover | N/A |
| Walking/Fell Walking/Running/Trekking/Hiking/ Orienteering/Rambling that requires specialised equipment/ropes/guides/crampons | No Cover | N/A |
| Water Hockey | As standard | Yes |
| Water Polo | As standard | Yes |
| Water Skiing (no jumping) - Inshore Only | As standard | Yes |
| Whale Watching - Inshore Only - Inshore Only | As standard | Yes |
| Wheelchair Basketball | As standard | Yes |
| Wicker Basket Tobagganing | As standard | Yes |
| Wind Tunnel Flying (wearing pads and helmet) | As standard | Yes |
| Windsurfing - Inshore Only | As standard | Yes |
| Yachting/Sailing (European Waters only) - Inshore Only | As standard | Yes |
| Yoga | As standard | Yes |
| Zip-lining/trekking | As standard | Yes |
| Zorbing/Hydro Zorbing | As standard | Yes |
*Personal Accident refers to the payment of a benefit amount if you are permanently injured or pass away, as described within the policy wording. If we have stated that there is no cover for PA above, that means you would not be covered for Personal Accident claims in relation to that sport or activity.
**Personal Liability – if you are legally responsible to pay someone you caused injury to or damage to their property, as described within the policy wording. If we have stated that there is no cover for PL above, that means you would not be covered for Personal Liability claims in relation to that sport or activity.