Activity Cover – Get Going
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Activity Cover

If you wish to partake in any activities whilst on your trip abroad, you need to ensure you are covered.

Below are the activities that we cover as standard on all of our policies:

Please note that all of the activities are covered on a non-professional and non-competitive basis unless otherwise stated. All Activities marked with an asterisk (*) indicate those which do not have Personal Liability cover and those marked with a (‡) indicate those which do not have Personal Accident cover.

Name
Abseiling (within organiser’s guidelines)
Aerial Safaris (in chartered aircraft and an organised excursion)
Archaeological Digging
Archery *‡
Athletics *‡
Badminton
Bamboo rafting (Inshore Only)
Banana Boating (Inshore Only)
Bar and Restaurant Work
Baseball *‡
Basketball
Beach games
Billiards
Blading (no stunts)
Board Sailing *‡ (Inshore Only)
Body Boarding (Inshore Only)
Boogie Boarding (Inshore Only)
Bowling/Bowls
Bungee Jumping *‡
Cable Car Ride
Camel Riding/Trekking *‡
Canoeing/Rafting/White Water Rafting/Kayaking up to grade 3 (Inshore Only)
Canoeing/Rafting/White Water Rafting/Kayaking grades 4 and 5 (Inshore Only)
Catamaran/Yachting/Sailing (Inshore Only)
Clay pigeon shooting/small Bore target shooting/rifle range *‡
Climbing (on climbing wall only)
Cricket
Croquet
Cross Country Running
Curling
Cycling (Excluding Mountain Biking, BMX and Touring) *‡
Dancing (including lesson participation)
Darts
Deep Sea Fishing (Inshore Only)
Dinghy Sailing*‡ (Inshore Only)
Dry Slope Skiing / Boarding
Dragon Boat Racing *‡ (Inshore Only)
Elephant Riding/Trekking*‡
Falconry
Fell Running (up to 4,000 metres)
Fell Walking (up to 4,000 metres)
Fencing*‡
Fishing (Inshore Only)
Fives
Flag American Football
Flying as a passenger in an aircraft (private plane/Helicopter/Glider)
Football
Fruit or vegetable picking (under 3 metres)
Flag Football
Frisbee/Ultimate Frisbee
Glass bottom boats/bubbles
Gliding as a passenger and with a qualified pilot
Go Karting (up to 120cc, wearing a helmet)*‡
Goalball
Golf
Gorilla Trekking (organised tours only)
Gym – Fitness
Gymnastics
Handball
Helicopter Rides (passenger only)
Hiking up to 4,000 metres
Hobie Cat Sailing*‡ (Inshore Only)
Hockey (field)
Horse Riding (wearing a helmet and excluding racing, jumping, hunting and less that 7 days)*‡
Hot Air Ballooning (passenger only)
Hot Dogging up to grade 3
Hot Springs
Hydro Zorbing
Ice Skating (rink only)
In-line Skating (no stunts)
Ice Surfing*‡
Ice Cricket*‡
Jet Boating (passenger only)*‡ (Inshore Only)
Jogging
Kayaking (incl. White Water) up to grade 3 (Inshore Only)
Kayaking (incl. White Water) grades 4 and 5*‡ (Inshore Only)
Korfball
Llama Riding*‡
Land Skiing
Mopeds (maximum 125cc, and passed CBT training, wearing a helmet)*‡
Motorcycling (maximum 125cc, and passed CBT training, wearing a helmet)*‡
Mule Trekking*‡
Netball
Octopush
Orienteering (up to 4,000 metres above sea level)
Ostrich riding*‡
Parachuting tandem only*‡
Parascending/Parasailing (towed by a boat over water) (Inshore Only)
Pedalos (Inshore Only)
Pilates
Pony Trekking (wearing a helmet)*‡
Pool
Power Boating (passenger only)*‡ (Inshore Only)
Racquet Ball / Rackets*‡
Rambling (up to 4,000 metres above sea level)
Reverse Bungee*‡
Rifle Range*‡
Ringos (Inshore Only)
River Bugging*‡
River Sledging*‡
River Tubing*‡
Roller Skating/Blading/In-line (incidental, wearing pads, helmet and no stunts)
Rounders
Rowing (Inshore Only)
Safari in a vehicle/Trekking/Tracking (organised tour, no fire arms)
Sailing/Yachting European Waters only*‡ (Inshore Only)
Sandboarding*‡
Sand Duning*‡
Sand Skiing*‡
Sand Surfing*‡
Sand Yachting*‡
Scuba Diving (up to a depth of 30 metres (if qualified or accompanied by qualified instructor and not diving alone) (Inshore Only)
Sea Fishing (Inshore Only)
Sea Kayaking (withing European Waters, no racing) (Inshore Only)
Shark Diving (professionally supervised in a cage) (Inshore Only)
Skin Diving (up to a depth of 30 metres (if qualified or accompanied by a qualified instructor and not diving alone) (Inshore Only)
Skateboarding (waring pads and helmet, no stunts)
Skydiving (Tandem only)*‡
Sledding/Sledging or Sleigh Riding (passenger only if pulled by Horse, Dogs or Reindeer)
Small Bore Target Shooting*‡
Snooker
Snorkelling (Inshore Only)
Soccer
Softball
Speed Boating (passenger only)*‡
Sphereing
Spinning Class
Squash*‡
Surfing (Inshore Only)
Swimming (Inshore Only)
Swimming with Dolphins (Inshore Only)
Swimming/Bathing with Elephants*‡
Sydney Harbour Bridge Walk (organised and walking across clipped onto a safety line)
Table Tennis
Tall Ship Crewing*‡ (Inshore Only)
Team Building
Ten Pin Bowling
Tennis
Touch Football
Trampolining
Tree Top Trekking/Canopy Walking
Trekking (below 4,000 metres only)
Tubing
Tug of War
Vollyball
Wake Boarding (Inshore Only)
Walking (below 4,000 metres only)
Water Hockey
Water Polo
Water Skiing (no jumping) (Inshore Only)
Wicker Basket Tobagganing
Whale Watching (Inshore Only)
Wheelchair Basketball
Windsurfing (Inshore Only)
Wind Tunnel Flying (wearing pads and helmet)
Yachting/Sailing (European Waters only) (Inshore Only)
Yoga
Zip-lining/trekking
Zorbing/Hydro Zorbing

From the 20th December 2021 there will be no cover provided for the below sports and activities:

  • Battle Re-enactment
  • Canoeing/Kayaking/Rafting/White Water rafting grade 6
  • Canyoning
  • Cave Diving
  • Cliff or Base Diving/Jumping
  • Electronic Scooters
  • Flying (as a pilot)
  • Gliding/Hang Gliding
  • Hot Air Ballooning (as a Pilot)
  • Hunting, any use of firearm
  • Jet Skiing
  • Jousting
  • Marathon Running
  • Martial Arts
  • Micro Lighting
  • Motor Sports/Racing of any kind Land/Sea
  • Mountain/BMX biking/Cycle Touring
  • Polo
  • Rock Climbing
  • Sailing/Boating/yachting of any kind outside of 12 nautical miles from the coastline or outside of European Waters
  • Scuba Diving deeper than 30 metres
  • Segway
  • Terrain Parks (Winter Sports)
  • Tightrope/High rope walking/Slacklining
  • Quad Biking/ATV’s
  • Walking/Fell Walking/Running/Trekking/Hiking/ Orienteering/Rambling above 4,000 metres
  • Walking/Fell Walking/Running/Trekking/Hiking/ Orienteering/Rambling that requires specialised equipment/ropes/guides/crampons
  • Mechanically assisted and electronic bicycles
Name
Abseiling (within organiser’s guidelines)
Aerial Safaris (in chartered aircraft and an organised excursion)
Archaeological Digging
Archery *‡
Athletics *‡
Badminton
Bamboo rafting (Inshore Only)
Banana Boating (Inshore Only)
Bar and Restaurant Work
Baseball *‡
Basketball
Beach games
Billiards
Blading (no stunts)
Board Sailing *‡ (Inshore Only)
Body Boarding (Inshore Only)
Boogie Boarding (Inshore Only)
Bowling/Bowls
Bungee Jumping *‡
Cable Car Ride
Camel Riding/Trekking *‡
Canoeing/Rafting/White Water Rafting/Kayaking up to grade 3 (Inshore Only)
Canoeing/Rafting/White Water Rafting/Kayaking grades 4 and 5 (Inshore Only)
Catamaran/Yachting/Sailing (Inshore Only)
Clay pigeon shooting/small Bore target shooting/rifle range *‡
Climbing (on climbing wall only)
Cricket
Croquet
Cross Country Running
Curling
Cycling (Excluding Mountain Biking, BMX and Touring) *‡
Dancing (including lesson participation)
Darts
Deep Sea Fishing (Inshore Only)
Dinghy Sailing*‡ (Inshore Only)
Dry Slope Skiing / Boarding
Dragon Boat Racing *‡ (Inshore Only)
Elephant Riding/Trekking*‡
Falconry
Fell Running (up to 4,000 metres)
Fell Walking (up to 4,000 metres)
Fencing*‡
Fishing (Inshore Only)
Fives
Flag American Football
Flying as a passenger in an aircraft (private plane/Helicopter/Glider)
Football
Fruit or vegetable picking (under 3 metres)
Flag Football
Frisbee/Ultimate Frisbee
Glass bottom boats/bubbles
Gliding as a passenger and with a qualified pilot
Go Karting (up to 120cc, wearing a helmet)*‡
Goalball
Golf
Gorilla Trekking (organised tours only)
Gym – Fitness
Gymnastics
Handball
Helicopter Rides (passenger only)
Hiking up to 4,000 metres
Hobie Cat Sailing*‡ (Inshore Only)
Hockey (field)
Horse Riding (wearing a helmet and excluding racing, jumping, hunting and less that 7 days)*‡
Hot Air Ballooning (passenger only)
Hot Dogging up to grade 3
Hot Springs
Hydro Zorbing
Ice Skating (rink only)
In-line Skating (no stunts)
Ice Surfing*‡
Ice Cricket*‡
Jet Boating (passenger only)*‡ (Inshore Only)
Jogging
Kayaking (incl. White Water) up to grade 3 (Inshore Only)
Kayaking (incl. White Water) grades 4 and 5*‡ (Inshore Only)
Korfball
Llama Riding*‡
Land Skiing
Mopeds (maximum 125cc, and passed CBT training, wearing a helmet)*‡
Motorcycling (maximum 125cc, and passed CBT training, wearing a helmet)*‡
Mule Trekking*‡
Netball
Octopush
Orienteering (up to 4,000 metres above sea level)
Ostrich riding*‡
Parachuting tandem only*‡
Parascending/Parasailing (towed by a boat over water) (Inshore Only)
Pedalos (Inshore Only)
Pilates
Pony Trekking (wearing a helmet)*‡
Pool
Power Boating (passenger only)*‡ (Inshore Only)
Racquet Ball / Rackets*‡
Rambling (up to 4,000 metres above sea level)
Reverse Bungee*‡
Rifle Range*‡
Ringos (Inshore Only)
River Bugging*‡
River Sledging*‡
River Tubing*‡
Roller Skating/Blading/In-line (incidental, wearing pads, helmet and no stunts)
Rounders
Rowing (Inshore Only)
Safari in a vehicle/Trekking/Tracking (organised tour, no fire arms)
Sailing/Yachting European Waters only*‡ (Inshore Only)
Sandboarding*‡
Sand Duning*‡
Sand Skiing*‡
Sand Surfing*‡
Sand Yachting*‡
Scuba Diving (up to a depth of 30 metres (if qualified or accompanied by qualified instructor and not diving alone) (Inshore Only)
Sea Fishing (Inshore Only)
Sea Kayaking (withing European Waters, no racing) (Inshore Only)
Shark Diving (professionally supervised in a cage) (Inshore Only)
Skin Diving (up to a depth of 30 metres (if qualified or accompanied by a qualified instructor and not diving alone) (Inshore Only)
Skateboarding (waring pads and helmet, no stunts)
Skydiving (Tandem only)*‡
Sledding/Sledging or Sleigh Riding (passenger only if pulled by Horse, Dogs or Reindeer)
Small Bore Target Shooting*‡
Snooker
Snorkelling (Inshore Only)
Soccer
Softball
Speed Boating (passenger only)*‡
Sphereing
Spinning Class
Squash*‡
Surfing (Inshore Only)
Swimming (Inshore Only)
Swimming with Dolphins (Inshore Only)
Swimming/Bathing with Elephants*‡
Sydney Harbour Bridge Walk (organised and walking across clipped onto a safety line)
Table Tennis
Tall Ship Crewing*‡ (Inshore Only)
Team Building
Ten Pin Bowling
Tennis
Touch Football
Trampolining
Tree Top Trekking/Canopy Walking
Trekking (below 4,000 metres only)
Tubing
Tug of War
Vollyball
Wake Boarding (Inshore Only)
Walking (below 4,000 metres only)
Water Hockey
Water Polo
Water Skiing (no jumping) (Inshore Only)
Wicker Basket Tobagganing
Whale Watching (Inshore Only)
Wheelchair Basketball
Windsurfing (Inshore Only)
Wind Tunnel Flying (wearing pads and helmet)
Yachting/Sailing (European Waters only) (Inshore Only)
Yoga
Zip-lining/trekking
Zorbing/Hydro Zorbing

From the 20th December 2021 there will be no cover provided for the below sports and activities:

  • Battle Re-enactment
  • Canoeing/Kayaking/Rafting/White Water rafting grade 6
  • Canyoning
  • Cave Diving
  • Cliff or Base Diving/Jumping
  • Electronic Scooters
  • Flying (as a pilot)
  • Gliding/Hang Gliding
  • Hot Air Ballooning (as a Pilot)
  • Hunting, any use of firearm
  • Jet Skiing
  • Jousting
  • Marathon Running
  • Martial Arts
  • Micro Lighting
  • Motor Sports/Racing of any kind Land/Sea
  • Mountain/BMX biking/Cycle Touring
  • Polo
  • Rock Climbing
  • Sailing/Boating/yachting of any kind outside of 12 nautical miles from the coastline or outside of European Waters
  • Scuba Diving deeper than 30 metres
  • Segway
  • Terrain Parks (Winter Sports)
  • Tightrope/High rope walking/Slacklining
  • Quad Biking/ATV’s
  • Walking/Fell Walking/Running/Trekking/Hiking/ Orienteering/Rambling above 4,000 metres
  • Walking/Fell Walking/Running/Trekking/Hiking/ Orienteering/Rambling that requires specialised equipment/ropes/guides/crampons
  • Mechanically assisted and electronic bicycles
Activity
Air Boarding
Big Foot Skiing
Cross Country Skiing (Recognised Paths)
Dry Slope Skiing/Snowboarding
Glacier Skiing/Walking
Ice Cricket*
Ice Windsurfing*
Kick Sledging
Langlauf
Mono-Skiing
Nordic Skiing (Recognised Paths)
Off-Piste Skiing/Snowboarding (Within Resort Boundaries)
On-Piste Skiing/Snowboarding
Ski Randonnee
Ski Run Walking
Ski Skimming
Ski Touring
Skidooing ‡*
Sledging
Snow Blading
Shoe Shoeing
Snow Tubing
Snow Zorbing
Snowcat Skiing (With a Professional Guide)
Snowmobiling ‡*

From the 20th December 2021 there will be no cover provided for the below sports and activities:

  • Battle Re-enactment
  • Canoeing/Kayaking/Rafting/White Water rafting grade 6
  • Canyoning
  • Cave Diving
  • Cliff or Base Diving/Jumping
  • Electronic Scooters
  • Flying (as a pilot)
  • Gliding/Hang Gliding
  • Hot Air Ballooning (as a Pilot)
  • Hunting, any use of firearm
  • Jet Skiing
  • Jousting
  • Marathon Running
  • Martial Arts
  • Micro Lighting
  • Motor Sports/Racing of any kind Land/Sea
  • Mountain/BMX biking/Cycle Touring
  • Polo
  • Rock Climbing
  • Sailing/Boating/yachting of any kind outside of 12 nautical miles from the coastline or outside of European Waters
  • Scuba Diving deeper than 30 metres
  • Segway
  • Terrain Parks (Winter Sports)
  • Tightrope/High rope walking/Slacklining
  • Quad Biking/ATV’s
  • Walking/Fell Walking/Running/Trekking/Hiking/ Orienteering/Rambling above 4,000 metres
  • Walking/Fell Walking/Running/Trekking/Hiking/ Orienteering/Rambling that requires specialised equipment/ropes/guides/crampons
  • Mechanically assisted and electronic bicycles

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