Activity Packs

Travel Insurance for Sports & Activities

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Our travel insurance policies really do offer great value for money with an array of Sports and Adventurous activities covered automatically. These activities are listed below under Activity Pack 1. If you have purchased a policy already please refer to your policy wording document for details of coverage as these lists change from time to time.

If you are participating in any of the Hazardous activities listed within an activity pack higher than pack 1 then you must purchase the appropriate Hazardous activity pack. Please get in touch with the details of the activities you'll be undertaking if you are unsure if you'll be covered.

We have categorised the activities that are not covered as standard into further bands. If you do not see your chosen activity, do not worry, we may cover it, but you must contact us so we can discuss the activity and what, if any, additional premium is necessary. (All of the activities are covered on a non-professional basis, unless otherwise stated). Any claims which arise whilst undertaking any of these activities for any purpose other than leisure will not be covered under this policy.

The Activity Packs are priced at a set fee, regardless of how many activities you are doing, or the length of time spent doing them, and the riskier activities are put in higher Activity Packs, which is why you pay a higher premium for choosing a higher Activity Pack.

Safety guidelines provided from a professional event company or organiser must be followed. Failure to do so will invalidate a claim. If you are unsure please do not hesitate to contact us on 01424 223 964 and we can discuss your individual requirements.


Adding a Higher Activity Pack to your policy if you’re already away

Plans can change when you’re travelling, and you may be tempted to do an activity that you didn’t anticipate doing, before you set up your policy. If the sport or leisure pursuit isn’t covered by the standard Activity Pack 1, then you will need to complete an Extension Enquiry Form as soon as you can, to update us with the new activity that you plan to do. We can then email a quote for extending cover. It is important that you do this (and additional costs are paid in advance of you doing it) so that cover is in place in the unfortunate event of you suffering an injury and requiring medical treatment, as a result of your participation in it.

Riding a motorcycle away from the UK

If you plan to ride a moped, motorcycle or motorised scooter on public roads on your travels, this is something that is covered under the emergency medical expenses section of the policy providing you have selected the required Activity Pack, as long as you hold the appropriate full licence required to ride the same type of vehicle in the UK, and will be wearing a crash helmet, whether legally required or not. You will need to check the current guidelines in regard to this, to check what you are eligible to drive. No cover will be in place under the personal liability section of the policy whilst riding a motorised vehicle meaning it's important to ensure you have alternative cover in place for this.

Similarly, if you are riding pillion, then the person riding must also hold a full UK licence or, if they are from the country you are visiting, they need to hold a valid licence for that country.

You will come across Motorbike Taxis throughout Asia and in some parts of South America. They are cheap, but many are unregulated and the drivers have in some cases, no licence, insurance or training. The bikes themselves are frequently poorly maintained. In the case of an accident and a subsequent medical claim, you may find yourself uninsured.

Also note we only cover occasional motorbike use. If you’re using a motorbike as your main mode of transport or going motorbike touring, then we can’t cover that.


If purchasing a higher activity pack you will be covered for activities within that pack and also lower activity packs.

The below activity packs are current as of 13/07/2021. If you purchased your policy before this date, please refer to your policy wording document for details of the activities you are covered for.


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Abseiling (indoor)  

Special condition (a) applies


Acrobatics



Aerobics



Angling/Fishing (inland or coastal waters)


Sports / leisure fishing only

No commercial or rock fishing

Athletics



Badminton 



Ballet 



Banana boat rides

Special condition (a) applies



Baseball



Basketball




Black water rafting (cave tubing) (grades 1-3)

Special condition (a) applies


Boating (inland and coastal waters) see also speed

boating and sailing


Special condition (a) or (b)

applies


No white water cover

No Personal Liability cover


Bowling (lawn, ten-pin, nine-pin, candlepin, duckpin and

five-pin bowling, bowls, pétanque & boules)




Bungee/bungy jumping (max 2 jumps per trip)

Special condition (a) applies


Camel riding (day tour)  

Special condition (a) applies

No Personal Liability cover

Canoeing/Kayaking (inland/coastal waters, white water grades 1-3 only)



Caving (sightseeing/tourist attraction)

Recreational visit only


Cheerleading



Clay pigeon shooting  



Special condition (a) or (b)

applies

No Personal Liability cover

Climbing (indoor)

Special condition (a) applies

No soloing

No Personal Accident cover

Cricket 



Croquet



Cruising (cruise ship)

Special condition (a) applies


Curling



Cycling (incidental to the trip)



Dance (ballet, ballroom, capoeira, salsa, interpretive

dance)



Darts



Dodge ball



Dragon boating (inland or coastal waters only)



Dune buggy

Special condition (a) or (b)

applies

No Personal Liability cover

No Personal Accident cover

Elephant riding

Special condition (a) applies

No Personal Liability cover

Fishing (ice)

Special condition (a) or (b)

applies


Fitness training



Floorball



Flying (as a fare paying passenger in a licensed

scheduled or chartered aircraft or helicopter)


Special condition (a) applies


Football (soccer) including 5 a side



Frisbee



Go karting

Special condition (a) applies

No Personal Liability cover

Golf



Gym training (aerobics, spinning, zumba, body pump,

weight training, cross training, crossfit (see also boxing

and martial arts)



Gymnastics (also see acrobatics)



Handball



Hiking up to 1,500 metres (scrambling, hillwalking)


No cover where ropes, picks

or other specialist climbing

equipment is required

Hockey



Horse riding (leisure/social/non-competitive riding)


No racing, jumping or

competitions.


Hot air ballooning

Special condition (a) applies

No Personal Liability cover

Ice skating (indoor)



Ice skating (outdoor) on a commercially managed rink

Special condition (a) applies


In-line skating



Jet boating (inland/coastal waters only)

Special condition (a) or (b)

applies

No Personal Liability cover

Jet skiing (inland/coastal waters, white water grades

1-2 only)

Special condition (a) or (b)

applies


No Personal Liability cover

Kite boarding (on land or water)


No Personal Liability cover

Kite flying



Korfball



Lacrosse



Martial arts training (non-contact)



Moped riding/scooter biking

Special condition (b) applies,

a helmet must be worn

No touring or where a

motorbike is the main mode of

transport.

No Personal Liability cover

No Personal Accident cover

Motor racing experience (passenger only)

Special condition (a) applies

No touring or where a

motorbike is the main mode of

transport.

No Personal Liability cover

No Personal Accident cover

Motor biking (on road under 125cc)

Special condition (b) applies,

a helmet must be worn

No touring or where a

motorbike is the main mode of

transport.

No Personal Liability cover

No Personal Accident cover

Netball



Orienteering



Outdoor endurance courses up to 3 miles



Outward Bound

Special condition (a) applies


Paint balling / airsoft

Special condition (a) applies

No Personal Liability cover

Parachuting (one jump only)

Special condition (a) or (b)

applies

No Personal Liability cover

No Personal Accident cover

Parasailing / parascending (over water only)

Special condition (a) or (b)

applies

No Personal Liability cover

Racquetball



Rambling ( 1,500 metres)



Rifle range/sports shooting

Special condition (a) or (b)

applies

No Personal Liability cover

River boarding/hydro speeding (grades 1-3)

(see also canoeing)

Special condition (a) or (b)

applies


Rock climbing (indoor

Special condition (a) or (b)

applies

No soloing

No Personal Accident cover

Roller skating


No cover for stunting

Roller blading


No cover for stunting

Rounders



Rowing/sculling (inland/coastal waters)

No white water


Running / jogging (half marathon distance or less)



Safari tours

Special condition (a) applies

No cover for handling

or work with dangerous

animals, including big

cats, crocodiles, alligators,

hippopotamuses, snakes,

elephants or bears

Sailing (inland/coastal waters)

Special condition (a) or (b)

applies

No Personal Liability cover

Scuba diving (to 30 metres)

Special condition (e) applies

See special exclusions (ii)

Scuba diving (unqualified/learn to dive course/discover

dive with qualified instructor)

Special condition (a) applies

See special exclusions (ii)

Segway tours

Condition (a) applies,

a helmet must be worn

No Personal Liability cover

No Personal Accident cover

Skateboarding (ramp, half pipe, skate park, street)



Skydiving / tandem skydiving (one jump only)


No Personal Liability cover

No Personal Accident cover

Sleigh rides (horse drawn)



Snooker



Snorkelling



Soccer



Softball



Speed boating (inland/coastal waters only)

Special condition (a) or (b)

applies

No white water cover

No Personal Liability cover

Squash/Racquet ball



Stand up paddle surfing/paddle boarding 



Stilt walking



Stoolball 



Surf boat rowing 



Surfing 



Swimming (pool; enclosed, inland or coastal waters only)



Swimming with dolphins / whales / whale sharks

(inland or coastal waters only)

Special condition (a) applies


Table tennis



Tandem skydiving (see skydiving)



Tchoukball



Tennis



Theme parks / fairgrounds

Special condition (a) applies


Tough mudder (see outdoor endurance)



Trampolining



Trekking (see hiking)



Tubing on rivers (grades 1-2)

Special condition (a) applies

No Personal Accident cover

Ultimate frisbee



Volleyball



War games (online gaming)



Water polo



Weight training (see also gym training)


Powerlifting

White water kayaking / canoeing (see kayaking/

canoeing)



Windsurfing (inland or coastal waters only)


No Personal Liability cover

Yachting (see sailing)



Yoga (class, alone/home practice)



Zip line

Special condition (a) applies


 

Aerial safari

Special condition (a) applies

No Personal Accident cover

Animal 1 day tours (This does not include Safaris see

this activity separately)


Special condition (a) applies

& you are covered for

light interaction such as

washing,feeding, cleaning)

when with Elephants, Infant

Big Cats, and Monkeys in a

controlled environment only.

No Personal Accident cover

No Personal Liability cover

No cover for work


Aquabike



Aquathlon



Black water rafting (cave tubing) (grades 4-5)

Special condition (a) applies

No Personal Accident cover

Boating (outside coastal waters) see also speed boating

and sailing

Special condition (a) or (b)

applies and special condition

(c) applies

No Personal Liability cover

No Personal Accident cover


Bouldering (see rock climbing)


No soloing

No Personal Accident cover

Boxing (gym or outdoor training) no competition or

bouts



Bungee/bungy jumping (3 jumps or more)

Special condition (a) applies


Camel trekking (overnight/main mode of transport)


No Personal Liability cover

Canyon swing

Special condition (a) applies


Dirt boarding


No Personal Liability cover

Dogsledding (on recognised trails)

Special condition (a) applies

Remote areas, racing, time

trials and endurance events

Duathalon



Elephant trekking (overnight/main mode of transport)

Special condition (a) applies

No Personal Liability cover

Fencing


No Personal Liability cover

Fishing (outside coastal waters, deep sea fishing)

Special condition (a) and (c)

applies

Sports / leisure fishing only

No commercial

Fly by wire

Special condition (a) applies


Glacier walking (ice walking)

Special condition (a) applies


High diving up to 10 metres (excluding cliff diving)



Hiking up to 3,000 metres (scrambling, hillwalking)


No cover where ropes, picks

or other specialist climbing

equipment is required

Hunting (excluding Big Game)

Special condition (a) or (b)

applies


No Cover for Big Game

Hunting.

No Personal Liability Cover

Kite buggy


No Personal Liability cover

Kite surfing


No Personal Liability cover

Kite wing (land, water)


No Personal Liability cover

Land surfing


No Personal Liability cover

Martial arts (Judo and Karate only) no competition or bouts

Condition (a) applies,

non-competitive only

No Personal Liability cover

No Personal Accident cover

Motor biking (on road over 125cc)

Special condition (b) applies,

a helmet must be worn


No touring or where a

motorbike is the main mode of

transport.

No Personal Liability cover

No Personal Accident cover

Outrigger canoeing (inland or coastal waters only)



Quad biking

Special condition (a) or (b)

applies, a helmet must be worn

No Personal Liability cover

No Personal Accident cover

Rock climbing (bouldering)


No soloing

No Personal Accident cover

Rock climbing (outdoor/traditional/sport climbing/

bolted/aid climbing/free climbing)


No soloing

No Personal Accident cover


Roller hockey



Running (Over half marathon distance up to marathon distance)



Sailing (outside coastal waters)

Special condition (a) or (b) and

special condition (c) applies

No Personal Liability cover

Spearfishing


No Personal Liability cover

Triathlon up to middle distance



Triathlon up to sprint distance



Water skiing / wakeboarding / wake skating (not barefoot)

Special condition (a) or (b)

applies

No jumping

No Personal Accident cover

White water rafting (grades 4-5)

Special condition (a) applies


Xterra/Cross Triathlon



Zorbing

Special condition (a) applies

No Personal Liability cover

No Personal Accident cover

American football (Gridiron)


No Personal Accident cover

Australian Rules Football (AFL)


No Personal Accident cover

Bicycle polo



Canyoning


No Personal Liability cover

No Personal Accident cover

Cycling (Independent cycle touring and cycling that is the

main purpose of the trip)


No intercontinental touring

Cycling (on an organised tour)

Special condition (a) applies

No intercontinental touring

Hiking up to 4,500 metres (scrambling) on recognised

routes

Special condition (a) applies

No cover where ropes, picks

or other specialist climbing

equipment is required

Horse riding (equestrian, dressage, show jumping,

eventing)


No Personal Accident cover

Motor biking / trail biking (off-road under 125cc)

Special condition (b) applies,

a helmet must be worn


No touring or where a

motorbike is the main mode of

transport.

No Personal Liability cover

No Personal Accident cover

Mountain biking general (off road/cross country)



Outdoor endurance courses up to 8 miles



Rugby (League/Union)


No Personal Accident cover

Sandboarding/sand skiing



Scuba diving (to 50 metres)

Special condition (e) applies

See special exclusions (ii)

No Personal Accident cover

Skiing (cross country/Nordic skiing on marked trails)

Special condition (d) applies

See special exclusions (i)

Skiing (snowblading) on piste or off piste within resort

boundaries


Special condition (d) applies

See special exclusions (i)

Skiing (snowboarding) on piste or off piste within resort

boundaries


Special condition (d) applies

See special exclusions (i)

Skiing / snowboarding (dry slope)

Special condition (d) applies

See special exclusions (i)

Sledding / tobogganing / snow sleds / snow sleighs

(on snow)


No Personal Liability cover

No Personal Accident cover


Snow rafting

Special condition (a) applies

No Personal Liability cover

No Personal Accident cover

Snowmobiling


Remote areas, racing, time

trials and endurance events are

excluded.

No Personal Liability cover

No Personal Accident cover

Trapeze / hire wire

Special condition (a) applies

No Personal Accident cover

Triathlon/Iron and up to long distance



Via Ferrata



Water skiing (barefoot)

Special condition (a) or (b)

applies

No Personal Liability cover

Bobsled / bobsleigh

Special condition (a) applies

No Personal Liability cover

No Personal Accident cover

Cycle racing



Cycle Time Trialling



Flying (as a passenger in a glider or ultralight)


No stunt flying/aerobatics or

commercial flying.

No Personal Accident cover

Flying (as a pilot or passenger of a private light aircraft)


No stunt flying/aerobatics or

commercial flying.

No Personal Accident cover

No Personal Liability cover


Flying (gliding)

Special condition (a) or (b)

applies

No Personal Liability cover

No Personal Accident cover

Hiking up to 6,000 metres (scrambling) on recognised

routes

Special condition (a) applies

No cover where ropes, picks

or other specialist climbing

equipment is required

Ice hockey (indoor)


No Personal Liability cover

No Personal Accident cover

Kite wing (snow)


No Personal Liability cover

No Personal Accident cover

Motor biking / trail biking (off-road 125cc or over)

Special condition (b) applies,

a helmet must be worn

No touring or where a

motorbike is the main mode of

transport.

No Personal Liability cover

No Personal Accident cover

Mountain biking - downhill (using downhill trails and/or

mechanical lifts)


Mountain Biking racing

Outdoor endurance courses up to 13 miles



Skiing / snowboarding (backcountry/outside of resort

boundary/alpine ski touring)

Special condition (d) applies

See special exclusions (i)

No Personal Accident cover

Skiing / snowboarding (by helicopter/snow cat)

Special condition (d) applies

See special exclusions (i)

No Personal Accident cover

Skiing / snowboarding (terrain park within resort)

Special condition (d) applies

See special exclusions (i)

No Personal Accident cover

Snow biking (on piste or off piste within resort

boundaries)


See special exclusions (i)

No Personal Accident cover


Snow kiting

Special condition (a) applies

No Personal Liability cover

No Personal Accident cover

Special Conditions

(a) You must be with a professional, qualified and licensed guide, instructor or operator.

(b) You must have the appropriate certification or licence to do this sport or activity at Home. If operating a motor vehicle the driver must have the appropriate valid UK licence for the machine.

(c) within 60 miles of a safe haven (a protected body of water used by marine craft for refuge from storms or heavy seas).

(d) Conventional skiing / snowboarding only. It is not a condition of cover that you ski or board with a guide, however, you must follow the International Ski Federation code or the resort regulations and we recommend that you do not venture into back country areas without taking local advice and appropriate rescue equipment;

(e) You must hold a British Sub Aqua Club certificate or Professional Association of Diving Instructors certificate or equivalent and follow the relevant Club or Association rules and guidelines at all times, or You must only dive under the constant supervision of a properly licensed diving school and follow their rules and instructions at all times.

Special Exclusions

(i) No cover for any competition, free-style skiing / snowboarding, ski/ snowboard jumping, ski-flying, ski / snowboard acrobatics, ski / snowboard stunting, or ski racing or national squad training, the use of skeletons.

(ii) No cover for any unaccompanied dive, any dive in overhead environments, or any dive for gain or reward.

Condition

1. You must act in a reasonable way and use all recommended safety equipment and protective clothing that is necessary and undergo any required training.

Not covered

Cover does not apply if you are;

1. taking part in activities at a professional level;

2. competing at international events as a national representative;

3. participating in hazardous activities or extreme pursuits other than as listed;

4. racing or participating in speed or time trials;

5. motorbike touring or where a motorbike is the main mode of transport;

6. base Jumping, cliff diving, martial arts competitions, mountaineering, potholing, caving (other than sightseeing/tourist attraction) motor sports, stunt flying / aerobatics;

7. taking part in expeditions to the Arctic or Antarctic;

8. taking part in dangerous expeditions or the crewing of a vessel more than 60 miles from a safe haven;

9. anything listed in the General Exclusions.