Insured Activities

We have designed our sports and activities cover to be as flexible and broad as we can while keeping prices sensible.
If an activity is not listed, then this insurance WILL NOT COVER that activity.

Please note the following important conditions:-

1. No sports or activities are covered in a professional capacity.
2. The recommended/recognised Safety Equipment must be worn.
3. You must follow any safety procedures, rules and regulations that the company providing your activity operates.
4. Search and Rescue is recommended for some activities (e.g. hiking, yachting outside territorial waters), in some cases the £5,000 benefit we will pay may not be enough cover.
5. Participation in sports or activities must be incidental to the main purpose of the trip, and must not be either the main focus, or a significant proportion, of that trip.

We have categorised the activities by risk and indicated the Medical Excess that would apply in each case.

We have used Asterisks to indicate for all categories below where for a specific activity, a particular cover is not offered under this policy. These are as follows:-

	*	=	Excludes Personal Accident Cover
	**	=	Excludes Personal Liability Cover
	***	=	Excludes both Personal Accident Cover and Personal Liability Cover

Level 1 Activities

An increased Medical Excess of £200 per event/claim and a reduced Medical Benefit of £1,000,000 applies to these activities.

Aquathlon, Archery**, Badminton, Bankshot Basketball, Basketball, Beach Basketball, Bocce, Body Boarding, Boomerang**, Bowls, Canoeing (inland excluding white water), Carriage or Hay or sleigh rides, Clay pigeon Shooting***, Cricket**, Croquet, Curling, Cycling (not competitive or mountain), Deep Sea Fishing (not commercial or competition), Dinghy Sailing, Dragon Boating, Dressage, Elephant riding (less than 2 days), Farm Holiday, Farm Work not involving machinery, Hot Air Ballooning, Fell walking, Fishing, Golf**, Gliding (with an Instructor, or qualified)***, Handball, Heptathlon, Hiking (under 1,000 meters no guides or ropes), In Line Skating, Kayak Polo, Kayaking (inland excluding white water), Land sailing, Lapland Trip, Laser Games, Maxi-Basketball, Mini-basketball, Motor Rallies (excluding racing)***, Mountain Biking (on road), Netball, Orienteering, Paddleball, Paintballing**, Parascending (over water), Pony Trekking, Race walking, Racquetball, Rafting (Not White water), Rambling, Rounders, Rowing, Running, Safaris/ Gorilla tours (organised only), Sail boarding, Sailing (inland/coastal only), Snorkelling, Softball, Squash, Swimming, Table tennis, Tennis, Trekking on foot (not in remote or mountainous areas), Tug of War, Twirling, Underwater Hockey, Volleyball, Water Polo, Wheelchair racing, Windsurfing, Yachting inside territorial waters.

Level 2 Activities

An increased Medical Excess of £400 per event/claim and a reduced Medical Benefit of £1,000,000 applies to these activities.

Abseiling*, Baseball, Bungee Jumps (maximum 2 jumps)*, Canoeing (whitewater), Elephant Trekking (more than 2 days), Fell Running, Fencing, Figure Skating, Flying as a passenger in an unlicensed Aircraft*, Hang gliding***, Horse riding* (helmet must be worn), Ice Skating, Jetskiing**, Mountain Biking (off road)*, Rifle Range**, Roller skating, Rollerblading, Sailing Outside territorial waters, Scuba Diving to 30 meters (PADI Qualified or under supervision), Sea Kayaking, Surfing, Tai Chi, Trail Running, Trekking on foot in remote or mountainous areas*, War Games, Water Skiing **, White water rafting* or kayaking*, Yachting outside territorial waters.

If an activity is not listed - then no cover is available under this policy. We regret that we will be unable to offer quotations on any activities not listed.