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 and each activity must not exceed 25% of your overall trip duration. 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 and noncompetitive 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 professional / semi-professional / paid / sponsored racing, timed events – unless otherwise specified, professional, display events, photo shoots, etc...) 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. We consider ‘professional or competitive’ to be activities/sports where you are either paid for participating in, receive any element of sponsorship, fees or prize money in excess of £200.


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 as standard (under the emergency medical expenses section of the policy only) without the addition of an 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, you will typically need to hold a CBT certificate if riding a moped. 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.



Please note those activities marked in italics and bold do not have Personal Liability cover or Accidental Death and Disability cover
.

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 01/02/2018. 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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Longstay, Backpacker, Working Holiday & Emigration Activity Packs


- Adventure Racing (up to 6 hours)
- Aerobics
- Amateur Athletic Field Events
- Amateur Athletic Track Events
- Angling/Fishing (freshwater)
- Animal Sanctuary (non big game)/refuge visit
- Archery
- Badminton
- Bamboo Rafting
- Banana Boating
- Baseball, Basketball
- Billiards, Bird Watching
- Board & Card Games
- Body Boarding
- Boules
- Bowling
- Bowls
- Bridge Swinging
- Bungee Jumping
- Camel/Elephant Riding/Trekking (UK booked)
- Camping
- Canoeing/Kayaking (White Water Grades 1-3)
- Caravanning
- Catamaran Sailing (In-shore)
- Cave sightseeing
- Clay Pigeon Shooting
- Cricket
- Croquet
- Curling
- Cycle Touring/Leisure Biking (on road - up to 1,000m)
- Dancing
- Darts
- Disc Golf
- Diving (Indoor up to 5m)
- Dragon Boat Racing
- Fell Running (up to 1,000m)
- Fencing
- Fives
- Flag Football
- Flying as passenger (private/small aircraft/helicopter)
- Football/Soccer – Practice and Training
- Frisbee (recreational)
- Golf
- Gorilla Trekking (Booked pre-trip – requires appropriate trekking altitude pack)
- Handball - Practice and Training
- Highland games
- Hockey (Field – Organised Amateur Match)
- Horse Riding (No Jumping)
- Hot Air Ballooning
- Indoor Skating (not ice)
- Jet Boating
- Jet Skiing
- Kiting
- Korfball
- Laser Tag
- Low Ropes, Marathons

- Mini-Golf
- Model Flying
- Model sports
- Mountain Biking (up to 1,000m)
- Netball
- Orienteering
- Paddle boarding
- Petanque
- Peteca
- Pigeon Racing
- Pony Trekking
- Pool
- Quoits
- Rackets
- Racquetball
- Rafting (White Water Grades 1-3)
- Re-Enactment
- Rifle Range
- Ringos
- River Punting
- Roller Blading/Skating (not ice)/
- Skate Boarding/Scooters (non motorised)
- Rounders,
- Rowing (inshore –recreational)
- Safari (UK organised)
- Safari Trekking (UK organised)
- Sailing/Yachting (recreational - inshore)
- Scuba Diving (not solo, up to maximum 30m)
- Segway (supervised, non-competitive)
- Up to 1 day Skiing (On Piste) / Up to 1 day Dry slope skiing/ Up to 1 day Snowboarding (On Piste)
- Snorkelling (not open water)
- Softball
- Squash
- Stoolball
- Surfing
- Swimming (pool - not open water)
- Swimming off a boat (with a qualified supervisor in attendance – i.e. a lifeguard)
- Swimming with Dolphins (Pool, not open water)
- Sydney Harbour Bridge Climbing (Professional organised and supervised)
- Table Tennis
- Ten Pin Bowling
- Tennis, Theme Parks
- Trekking/Mountain Walking/Hiking/Rambling/Mountaineering (in group) all up to 1,000m,
- Tubing
- Tug of War
- Unicycle riding
- Up to 1 day Skiing (On Piste) / Up to 1 day Dry slope skiing/ Up to 1 day Snowboarding (On Piste)
- Volleyball
- Water Parks
- Whale Watching (professionally organised)
- Yachting (Inshore – crewing)
- Yoga

- Abseiling (Indoor/Outdoor climbing wall up to 25m)
- Adventure Racing (up to 12 hours
- Airsoft
- American Football
- (Organised & with Safety Equipment)
- Angling/Fishing (Sea)
- Animal Sanctuary (Big Game)
- Aussie rules football
- Biathlon
- Big Foot Skiing
- Blade Skating
- Breathing Observation Bubble (BOB)
- Camel/Elephant Riding/Trekking (non- UK booked)
- Canyoning
- Cat Skiing
- Climbing (Indoor/Outdoor climbing wall up to 25m)
- Cross Country Running
- Diving (Indoor up to 10m)
- Dry Slope Skiing
- Equestrian
- Falconry
- Fell Running (up to 2,000m)
- Fly boarding
- Flying (Crew/Pilot), Flying Helicopter (Pilot)
- Football/Soccer - Organised Amateur Match
- Football/Soccer (Aussie rules)
- Frisbee (Ultimate Frisbee)
- Gaelic Football
- Glacier Walking,
- Gliding (non-competitive)
- Go Karting
- Gorge Walking (with ropes)
- Gorilla Trekking (booked during trip – requires appropriate trekking altitude pack)
- Gymnastics
- Handball (Organised Amateur Match)
- Harness Racing
- Hockey (Ice) With Full Body Protection
- Horse Jumping (no Polo, no Hunting)
- Horse Riding (Eventing)
- Husky Dog Sledding
- Hydro Zorbing
- Ice Skating
- Iron Man
- Judo (Organised Training), Karate (Organised Training) Kendo (Organised Training) Kick Sledging
- Lacrosse
- Land Skiing
- Langlauf
- Martial Arts (Organised Training)
- Modern Pentathlon
- Mono-Skiing
- Mountain Biking (up to 2,000m)
- Mountain Boarding
- Octopush
- Off Road Motorcycling (up to 250cc)
- Off-piste skiing/snowboarding (with guide)
- On-piste skiing/snowboarding
- Paint Balling
- Parasailing
- Parascending (Over water)
- Passenger Sledge

- Power Boating (inshore)
- Power lifting
- Quad Bikes (Providing you wear a helmet)
- Rap Running/Jumping (Indoor/Outdoor climbing wall up to 25m)
- River Tubing
- Rodeo, Roller Hockey
- Rugby (Amateur Game)
- Rugby (Training)
- Safari (non UK booked)
- Safari Trekking (non UK booked)
- Sand Boarding
- Sand Dune Surfing/Skiing
- Sand Yachting
- Sea Canoeing/Kayaking (inshore)
- Shark Diving/Swimming (Cage)
- Shinty
- Ski Boarding
- Ski Bobbing
- Ski Dooing
- Skiing
- Skiing – Nordic/Cross Country
- Off-piste skiing/snowboarding (with guide)
- On-piste skiing/snowboarding
- Sky diving (tandem with qualified instructor - up to 2 jumps maximum)
- Sledging/Tobogganing,
- Sleigh riding (Reindeer, Horses or Dogs)
- Snorkelling – Open Water
- Snow Biking
- Snow Mobile/Ski Doos
- Snow Parascending
- Snow Scooting
- Snow Shoe Walking
- Snow Tubing,
- Snowcat Driving
- Speed Sailing (in shore)
- Speed Skating
- Speed Trials/Time
- Trials (Organised, not public roads)
- Street Hockey
- Summer Tobogganing
- Surf life-saving (organised competition)
- Swimming (open water)
- Swimming off of a boat (Unsupervised and / or no lifeguard)
- Telemarking
- Tough Mudder
- Trampolining
- Tree Top Canopy Walking
- Trekking/Mountain Walking/Hiking/Rambling/Mountaineering (in group) all up to 2,000m
- Triathlon
- Under 17 Driving (not public roads)
- War Games/Paint Balling
- Water Polo
- Water Skiing (No Jumping)
- Weight Lifting
- Wind Tunnel Flying/Indoor Sky Diving
- Windsurfing/ Boardsailing/ Sailboarding
- Wrestling (Organised Training)
- Zip line experience (organised, not multiple lines)
- Zorb Football

- Abseiling (outdoor above 25m)
- Blowcarting/Land Yachting/Kite Buggy
- Boxing Training
- Canoeing/Kayaking (White Water Grades 4-5)
- Caving/Pot Holing
- Climbing (Rock & Ice - up to 3,000m)
- Devil Karting
- Dirt Boarding
- Fell Running (up to 3,000m)
- Glacier Skiing
- Gorge Walking (no ropes)
- Heli-skiing
- High Diving (non-Cliff)
- Hurling
- Hydrospeeding
- Ice Go Carting
- Ice Windsurfing
- Jousting
- Kite-Boarding/Surfing
- Motorised Buggying
- Mountain Biking (up to 3,000m)
- Paragliding
- Parascending (over land)

- Roller Skating (24 hour relay)
- Passenger Sledge
- Rafting (White Water Grades 4-5)
- Rap Running/Jumping (Outdoor above 25m)
- River Bugging
- Skeleton
- Ski Biking
- Ski Blading /Snow Blading
- Ski Mountaineering (up to 3,000m)
- Ski Randonee
- Ski Run / Walking (up to 3,000m)
- Ski Touring (up to 3,000m)
- Ski Joering
- Skiing – Freestyle
- Skiing – Glacier
- Skiing – Snowcat
- Snow Karting
- Snow Kiting
- Snow Surfing
- Trekking/Mountain Walking/Hiking/Rambling/Mountaineering - in group (up to 3,000m)
- Via Ferratta
- Wake Boarding
- Water Skiing (Jumping)
- Zorbing/Sphering

- Adventure Racing (up to 24 hours)
- Assault Courses including High Ropes
- Black Water Rafting
- BMX Freestyle
- & Racing
- Bull Riding
- Cave Diving
- Cave Tubing
- Cycling Racing
- Cyclo Cross
- Downhill Mountain Biking
- Electric/Motorised stand up scooters
- Fell Running (up to 4,000m)
- Freestyle Skateboarding,
- Gliding (competition)
- Hang Gliding
- Micro Lighting
- Motocross

- Motor Racing/Rallies/Competitions (amateur)
- Mountain Biking (up to 4,000m)
- Off-Piste Skiing/Snowboarding (Without a Guide)
- Parapenting/Paraponting
- Polo
- Polo cross,
- Power Boating (off shore)
- Power Gliding
- Power Kiting
- Scuba Diving (not solo - to 40m)
- Ski Flying
- Sky Diving (qualified solo jumper – max 2 jumps)
- Slack-Lining
- Trekking/Mountain Walking/Hiking/Rambling/Mountaineering - in group (Inca - Trail)
- Trekking/Mountain Walking/Hiking/Rambling/Mountaineering- in group (up to 4,000m)
- Wicker Basket Tobogganing
- Zip Trekking

Gold (not Emigration), Silver (not Emigration), Bronze, First Class & Economy 500 Activity Packs


- Aerobics
- Amateur Athletic Field Events
- Amateur Athletic Track Events
- Angling/Fishing (freshwater)
- Animal Sanctuary (non big game)
- Archery
- Badminton
- Bamboo Rafting
- Banana Boating
- Baseball
- Basketball
- Billiards
- Bird Watching
- Board & Card Games
- Body Boarding
- Boules
- Bowling
- Bowls
- Bridge Swinging
- Bungee Jumping
- Camel/Elephant Riding, Trekking (UK booked)
- Camping
- Canoeing/Kayaking (White Water Grades 1-3)
- Caravanning
- Catamaran Sailing (In-shore)
- Cave sightseeing
- Clay Pigeon Shooting
- Cricket
- Croquet
- Curling
- Cycle Touring/Leisure Biking (on road - up to 1,000m)
- Dancing
- Darts
- Disc Golf
- Diving (Indoor up to 5m)
- Dragon Boat Racing
- Fell Running (up to 1,000m)
- Fencing, Fives
- Flag Football
- Flying as passenger (private/small aircraft/helicopter)
- Football/Soccer – Practice and Training
- Frisbee (recreational)
- Golf
- Handball - Practice and Training
- Highland games
- Horse Riding (No Jumping)
- Hot Air Ballooning
- Indoor Skating (not ice)
- Jet Boating
- Jet Skiing
- Kiting
- Korfball
- Laser Tag

Low Ropes
- Marathons
- Mini-Golf
- Model Flying
- Model sports
- Mountain Biking (up to 1,000m)
- Netball
- Orienteering,
- Paddle boarding
- Petanque
- Peteca
- Pigeon Racing
- Pony Trekking
- Pool
- Quoits
- Rackets
- Racquetball
- Rafting (White Water Grades 1-3)
- Re-Enactment
- Rifle Range
- Ringos
- River Punting
- Roller Blading/Skating (not ice)/Skate Boarding/Scooters (non motorised)
- Rounders
- Rowing (inshore –recreational)
- Safari (UK organised)
- Safari Trekking (UK organised)
- Sailing/Yachting (recreational - inshore)
- Scuba Diving (not solo, up to maximum 30m)
- Segway (supervised, non-competitive)
- Snorkelling (not open water)
- Softball
- Squash
- Stoolball
- Surfing
- Swimming (pool - not open water)
- Swimming off a boat (with a qualified supervisor in attendance – i.e. a lifeguard)
- Swimming with Dolphins (Pool, not open water)
- Sydney Harbour Bridge Climbing (Professional organised and supervised)
- Table Tennis
- Ten Pin Bowling
- Tennis
- Theme Parks
- Trekking/Mountain
- Walking/Hiking/Rambling/Mountaineering (in group) all up to 1,000m
- Tubing
- Tug of War
- Unicycle riding
- Volleyball
- Water Parks
- Whale Watching (professionally organized
- Yachting (Inshore – crewing)
- Yoga

- Abseiling (Indoor/Outdoor climbing wall up to 25m)
- Adventure Racing (up to 6 hours)
- Airsoft
- Angling/Fishing (Sea)
- Camel/Elephant Riding/Trekking (non-UK booked)
- Climbing (Indoor/Outdoor climbing wall up to 25m)
- Cross Country Running
- Diving (Indoor up to 10m)
- Dry Slope Skiing
- Falconry
- Fell Running (up to 2,000m)
- Fly boarding
- Football/Soccer –Organised Amateur Match
- Football/Soccer – Aussie Rules
- Frisbee (Ultimate Frisbee)
- Gaelic Football
- Gorilla Trekking (Booked pre-trip – requires appropriate trekking altitude pack)
- Gymnastics
- Handball (Organised Amateur Match)
- Hockey (Field – Organised Amateur Match)
- Ice Skating
- Iron Man
- Judo (Organised Training)
- Karate (Organised Training)
- Kendo (Organised Training)
- Lacrosse

Martial Arts (Organised Training)
- Mountain Biking (up to 2,000m)
- Paint Balling
- Parasailing
- Parascending (Over water)
- Rap Running/Jumping (Indoor/Outdoor climbing wall up to 25m)
- Rugby (Training)
- Safari (non UK booked)
- Safari Trekking (non UK booked)
- Sand Yachting,
- Sea Canoeing/Kayaking (inshore)
- Shark Diving/Swimming (Cage)
- Shinty
- Street Hockey
- Surf life- saving (organised competition)
- Tough Mudder
- Trampolining
- Trekking/Mountain Walking, Hiking, Rambling, Mountaineering (in group) all up to 2,000m
- Triathlon
- up to 1 day Skiing (On Piste)/Dry slope Skiing/Snowboarding (On Piste)
- War Games/Paint Balling
- Water Polo
- Water Skiing (No Jumping)
- Weight Lifting
- Windsurfing/Boardsailing/Sailboarding
- Wrestling (Organised Training)
- Zip line experience (organised, not multiple lines)

- Adventure Racing (up 12 hours)
- American Football (Organised & with
- Safety Equipment)
- Animal Sanctuary (Big Game)
- Biathlon
- Big Foot Skiing
- Blade Skating
- Breathing Observation Bubble (BOB)
- Canyoning
- Cat Skiing
- Equestrian
- Flying (Crew/Pilot)
- Flying Helicopter (Pilot)
- Glacier Walking
- Gliding (non-competitive)
- Go Karting
- Gorge Walking (with ropes)
- Gorilla Trekking (booked during trip – requires appropriate trekking altitude pack)
- Harness Racing
- Hockey (Ice) With Full Body Protection
- Horse Jumping (no Polo, no Hunting)
- Horse Riding (Eventing)
- Husky Dog Sledding
- Hydro Zorbing
- Kick Sledging
- Land Skiing
- Langlauf
- Modern Pentathlon
- Mono-Skiing
- Mountain Boarding
- Octopush
- Off Road Motorcycling (up to 250cc)
- Off-piste skiing/snowboarding (with guide)
- Passenger Sledge

- Power Boating (inshore)
- Power lifting
- Quad Bikes (Providing you wear a helmet)
- River Tubing
- Rodeo
- Roller Hockey
- Rugby (Amateur Game)
- Sand Boarding
- Sand Dune Surfing/Skiing
- Ski Boarding
- Ski Bobbing
- Ski Dooing
- Skiing
- Skiing – Nordic/Cross Country
- Sledging/Tobogganing
- Sleigh riding (Reindeer, Horses or Dogs)
- Snorkelling – Open Water
- Snow Biking
- Snow Mobile/Ski Doos
- Snow Parascending
- Snow Scooting
- Snow Shoe Walking
- Snow Tubing,
- Snowcat Driving
- Speed Sailing (in shore)
- Speed Skating
- Speed Trials/Time Trials (Organised, not public roads)
- Summer Tobogganing
- Swimming (open water)
- Swimming off of a boat (Unsupervised and / or no lifeguard)
- Swimming with Dolphins – Open Water
- Telemarking
- Tree Top Canopy Walking
- Under 17 Driving (not public roads)
- Zorb Football

- Blowcarting/Land Yachting/Kite Buggy
- Boxing Training
- Devil Karting
- Dirt Boarding
- Fell Running (up to 3,000m)
- Gorge Walking (no ropes)
- High Diving
- Jousting
- Kite-Boarding/Surfing
- Motorised Buggying
- Mountain Biking (up to 3,000m)

- Paragliding
- Parascending (over land)
- Roller Skating (24 hour relay)
- Ski Biking
- Ski Blading /Snow Blading
- Skiing – Snowcat
- Snow Karting
- Snow Surfing
- Trekking/Mountain Walking/Hiking/Rambling/Mountaineering- in group (up to 3,000m)
- Wake Boarding
- Water Skiing (Jumping)

- Abseiling (outdoor above 25m)
- Canoeing/Kayaking (White Water Grades 4-5)
- Caving/Pot Holing
- Climbing (Rock & Ice up to 4,000m)
- Fell Running (up to 4,000m)
- Heli-skiing
- Hurling
- Hydrospeeding
- Ice Go Carting
- Ice Windsurfing
- Mountain Biking (up to 4,000m)
- Polo
- Polo cross
- Rafting (White Water Grades 4-5)
- Rap Running/Jumping (Outdoor above 25m)

- River Bugging
- Skeleton
- Ski Mountaineering (up to 4,000m)
- Ski Randonee
- Ski Run / Walking (up to 4,000m)
- Ski Touring (up to 4,000m)
- Ski Joering
- Skiing – Freestyle
- Skiing – Glacier
- Snow Kiting
- Trekking, Mountain Walking, Hiking, Rambling , Mountaineering - in group (up to 4,000m)
- Via Ferratta
- Wind Tunnel Flying/Indoor Sky Diving
- Zorbing/Sphering

- Adventure Racing (up to 24 hours)
- Assault Courses including High Ropes
- Black Water Rafting
- Bull Riding
- Cave Diving
- Cave Tubing
- Cycling Racing
- Cyclo Cross
- Freestyle Skateboarding
- Gliding (competition)
- Hang Gliding
- Micro Lighting
- Motocross

- Motor Racing/Rallies/Competitions (amateur)
- Off-Piste Skiing/Snowboarding (Without a Guide)
- Parapenting/Paraponting
- Power Boating (off shore)
- Power Gliding
- Power Kiting
- Scuba Diving (not solo - to 40m)
- Ski Flying
- Slack-Lining
- Trekking, Mountain Walking, Hiking, Rambling, Mountaineering - in group (Inca - Trail)
- Wicker Basket Tobogganing
- Zip Trekking

- Adventure Racing (up to 36 hours)
- BMX Freestyle & Racing
- Downhill Mountain Biking
- Fell Running (up to 5,000m)
- Kloofing
- Mountain Biking (up to 5,000m)
- Scuba Diving (Solo) – up to 40m

- Ski Mountaineering (up to 5,000m)
- Ski Run / Walking (up to 5,000m)
- Ski Touring (up to 5,000m)
- Solo Climbing/Mountaineering (up to 5,000m)
- Tandem Skydive (up to 2 jumps maximum)
- Trekking,Mountain, Walking,Hiking, Rambling, Mountaineering- in group (up to 5,000m)

- Adventure Racing (up to 48 hours)
- Airboarding
- Alligator Wrestling
- Bobsleigh
- Bouldering
- Boxing
- Bull Running
- Coasteering
- Drag Racing
- Fell Running (up to 6,000m)
- Free Diving
- Ice Diving
- Ice Holing
- Ice Marathon
- Ice Speedway
- Judo (competition)
- Karate (competition)
- Kendo (competition)
- Luge/Bobsleigh
- Martial Arts (competition)
- Mixed Gas Diving

- Mountain Biking (up to 6,000m)
- Parachuting
- Potholing
- Rowing (Off-shore Recreational)
- Sailing/Yachting (Off-shore recreational)
- Shark Diving/Swimming (no cage, full safety equipment and supervised)
- Ski Acrobatics
- Ski Jumping
- Ski Mountaineering (up to 6,000m)
- Ski Racing
- Ski Run / Walking (up to 6,000m)
- Ski Stunting
- Ski Touring (up to 6,000m)
- Skiing – Para
- Sky Diving (qualified solo jumper – max 2 jumps)
- Sky Jumping
- Sky Surfing
- Tree Top Canopy Walking (set up)
- Trekking, Mountain, Walking, Hiking, Rambling, Mountaineering- in group (up to 6,000m)
- Wrestling (Amateur competition)