If you are planning on taking part in any Hazardous Activities or Winter Sports, you must ensure you have adequate cover.
Occasional participation in the following listed activities and sports on a recreational, non-competitive and non-professional basis, can be covered subject to all recognised equipment and safety precautions being utilised. This is only valid on Standard or Deluxe policies.
Below are lists of activities that can or cannot be covered by this Policy.
Please telephone Our Customer Helpline on 01784 772 678 (Mon – Fri 9am- 5.15pm) if You are unsure whether Your intended activity is covered by Your Policy. For all Hazardous Activities and Sports, participation in competition is excluded with limited exceptions for Winter Sports.
The following activities are covered under this Policy:
Aerobics
Athletics (amateur)
Badminton
Banana Boating
Bar Work
Baseball
Basketball
Board Sailing (Windsurfing)
Body Boarding
Boogie Boarding
Bridge Walking e.g. Sydney Harbour Bridge
Canoeing/Kayaking – up to Grade 2 rivers only
Canopy Walking
Cricket
Curling
Cycling (not main purpose of trip – recreational only, no racing or competitions)
Fell Running/Walking
Fishing
Football/Soccer (non competitive)
Golf
Gymnastics (no competitions)
Hiking/Trekking/Walking under 2,500m
Ice Skating
Marathon Running
Mountain Biking (recreational including general cross country and off road cycling)
Paddle Boarding
Rambling
Restaurant Work
River Tubing (up to grade 2 rivers and not through caves)
Roller Skating/Blading (wearing pads and helmets)
Safari (professionally organised tour)
Sailing (inland waters or coastal waters within 12 miles of land)
SCUBA Diving (down to 30m accompanied by a qualified diver or instructor)
Sleigh rides pulled by a horse or reindeer, as a passenger with a professional driver
Snorkelling
Softball
Squash
Surfing
Swimming
Swimming with dolphins
Tennis
Trampolining
Volleyball
Water Polo
Water Skiing (no jumping)
Windsurfing
Zip lining/wiring
The following activities are covered under this Policy. However, no cover is provided for Personal accident or for Personal liability:
Abseiling (within organiser’s guidelines)
Archery
Black Water Rafting (within organiser’s guidelines)
Canoeing/Kayaking (up to grade 3 rivers only)
Fencing
Flotilla Sailing (with professional leader)
Go Karting
Hot Air Ballooning (organised pleasure rides only)
Indoor Climbing (sport climbing with belays)
Jet Boating (as a passenger only and no racing)
Motorcycling as a rider or passenger on a machine 125cc or under (You must wear a crash helmet and, as a rider, have held a motorcycle licence for at least 3 years and be conviction free
Paint Balling (eye protection must be worn)
Parascending over water
Rap Jumping/Running (within organiser’s guidelines)
Rowing (no racing)
Safari Trekking on foot (professionally organised tour)
Segway riding (organised tours only and a safety helmet must be worn)
White Water Rafting (up to grade 3 within organiser’s guidelines)
Zorbing
Winter Sports activities :
NOTE: in the table below, We use the generic terms “ski/skiing” to refer to skiing, snow-boarding and split- boarding
Winter Sports are constantly evolving with new activities emerging every year. We have tried to create a comprehensive list below. If an activity is not on the list below it is NOT covered unless You contact Us and We agree, in writing, to cover it.
Acroski (ski-ballet)
Biathlon
Bigfoot skiing
Curling
Dog sledding as a passenger with a professional driver
Glacier skiing within marked areas
Glacier walking within marked areas
Ice skating
Langlauf / cross country / Nordic walking
Mono-skiing
Sit-skiing, skiing with outriggers and use of other (non-mech- anised) equipment for the disabled
Skiing On-piste
Sleigh rides pulled by a horse or reindeer, as a passenger with a professional driver
Snow dome (indoor skiing on snow; NOT dry-slope)
Snow-blading
Snow-shoeing
Speed skating
Telemark skiing
Excluded Hazardous Activities and Sports:
Base Jumping
Big Game Hunting
BMX Stunt Riding
Bouldering
Boxing
Camel/Elephant riding
Canyoning
Caving / Pot Holing
Coasterring
Cycle Racing
Flying except as a fare paying passenger in a licenced
passenger carrying aircraft
Free / High Diving
Gliding
Hang Gliding
Judo / Karate / Martial Arts
Kite Surfing
Lacrosse
Land Skiing (not on snow)
Manual Work
Micro Lighting
Motorcycling as a rider or passenger on a machine over 125cc
Mountaineering
Parachuting
Paragliding
Parascending over land
Polo
Professional / Semi Professional Sports
Quad Biking
Rock Climbing
Sailing outside territorial waters
Scuba Diving below 30m
Shark Cage Diving
Shark Diving
Tombstoning
Track days using motorised vehicles
Water Ski Jumping
Weightlifting
White Water Rafting (grade 4 and above)
Winter Sports (unless listed above)
Wrestling