Activities
Overview
We include many activities (all category A) as standard, but appreciate that there are those out there who get great pleasure in something a little more competitive or risky. That’s not a problem, if you’re wanting cover for any activity in category B, C or D, you can add on Sports and Activities Cover for those.
All ‘competitive cycling’ events will require Sports and Activities Cover – Category D.
1. Cycling Activities
The cover level varies according to the type of riding you’re doing so choose which one fits your travel activities.
Activity
Cycling
Category
A
Conditions
Excluding competition/racing and Mountain Biking (see Mountain Biking below). No Personal Liability cover.
Activity
Cycle Touring
Category
A
Conditions
Excluding competition/racing and Mountain Biking (see Mountain Biking below). No Personal Liability cover.
Activity
Mountain Biking
Category
C
Conditions
Excluding competition/racing.
Activity
Competitive Cycling
Category
D
Conditions
No Personal Liability cover.
Activity
Triathlon (Road bike)
Category
D
Conditions
No Personal Liability cover
| Activity | Category | Conditions |
|---|---|---|
| Cycling | A | Excluding competition/racing and Mountain Biking (see Mountain Biking below). No Personal Liability cover. |
| Cycle Touring | A | Excluding competition/racing and Mountain Biking (see Mountain Biking below). No Personal Liability cover. |
| Mountain Biking | C | Excluding competition/racing. |
| Competitive Cycling | D | No Personal Liability cover. |
| Triathlon (Road bike) | D | No Personal Liability cover |
2. All Activities
The cover level varies according to the type of activity so find your sport and add it into your quote journey.
Activity
Abseiling
Category
C
Conditions
Activity
Aerobics
Category
A
Conditions
Activity
Aquathlon
Category
D
Conditions
Activity
Archery
Category
A
Conditions
Activity
Badminton
Category
A
Conditions
Activity
Banana Boating
Category
A
Conditions
Activity
Basketball
Category
A
Conditions
Activity
Bowls
Category
A
Conditions
Activity
Bungee Jump
Category
B
Conditions
No Personal Accident cover
Activity
Camel/Elephant Riding
Category
B
Conditions
Activity
Camogie
Category
B
Conditions
Activity
Canyoning
Category
D
Conditions
Activity
Cricket
Category
A
Conditions
Activity
Competitive Cycling
Category
D
Conditions
No Personal Liability cover
Activity
Cycling
Category
A
Conditions
Excluding competition/racing and Mountain Biking (see Mountain Biking below). No Personal Liability cover
Activity
Cycle Touring
Category
A
Conditions
Excluding competition/racing and Mountain Biking (see Mountain Biking below). No Personal Liability cover
Activity
Deep Sea Fishing
Category
B
Conditions
Activity
Dog Sledging
Category
B
Conditions
Activity
Dry Slope Skiing
Category
C
Conditions
Activity
Duathlon
Category
D
Conditions
Activity
Fell Walking, Rambling & Trekking
Category
A
Conditions
Up to 2,000 metres altitude. No cover for self-guided trekking; trekking against local authority advice; trekking on routes w
Activity
Fishing
Category
A
Conditions
Activity
Football
Category
A
Conditions
Activity
Go Karting
Category
B
Conditions
Up to 120cc. No Personal Liability cover.
Activity
Golf
Category
A
Conditions
Activity
Gymnastics
Category
B
Conditions
Activity
Hang Gliding
Category
D
Conditions
Activity
Hiking
Category
A
Conditions
Up to 2,000 metres altitude. No cover for self-guided trekking; trekking against local authority advice; trekking on routes which are not officially recognised.
Activity
Hiking
Category
B
Conditions
Between 2,000 and 4,000 metres altitude. No cover for self-guided trekking; trekking against local authority advice; trekking on routes which are not officially recognised.
Activity
Hockey
Category
B
Conditions
Activity
Horse Riding – within tour organiser’s guidelines and safety helmet worn at all times
Category
D
Conditions
No Polo, Hunting, Jumping or Racing
Activity
Hot Air Ballooning
Category
B
Conditions
As a passenger only
Activity
Hurling
Category
B
Conditions
Activity
Husky Rides
Category
A
Conditions
Activity
Hydro Zorbing
Category
B
Conditions
Activity
Ice-Skating
Category
A
Conditions
Rink only
Activity
Jet Skiing
Category
A
Conditions
Activity
Kite Surfing
Category
A
Conditions
Activity
Land Yachting
Category
D
Conditions
Activity
Marathon
Category
A
Conditions
Activity
Martial Arts
Category
B
Conditions
Training only and non-contact
Activity
Motorcycling
Category
B
Conditions
Over 55cc and under 250cc only as a rider or passenger when wearing a helmet, providing the rider holds an appropriate UK motorcycle licence. No racing, no off-roading. No Personal Liability cover.
Activity
Mountain Biking
Category
C
Conditions
Excluding competition/racing
Activity
Paddle Boarding
Category
A
Conditions
Activity
Paragliding
Category
C
Conditions
Activity
Parasailing
Category
C
Conditions
Activity
Parascending
Category
C
Conditions
No Personal Liability cover
Activity
Pony & Horse Trekking
Category
A
Conditions
Guided treks only
Activity
Racket Ball
Category
A
Conditions
Activity
Rafting, Canoeing and Kayaking
Category
B
Conditions
Including white water up to grade 3. No Personal Liability cover.
Activity
Rafting, Canoeing and Kayaking
Category
C
Conditions
Including white water up to grade 4. No Personal Liability cover.
Activity
Rafting, Canoeing and Kayaking
Category
A
Conditions
No white water
Activity
Rambling
Category
A
Conditions
Activity
Reindeer Sledging
Category
A
Conditions
As a passenger only, professionally organised and supervised
Activity
Roller Skating
Category
A
Conditions
Activity
Rounders
Category
A
Conditions
Activity
Rubgy
Category
B
Conditions
Activity
Running/Running 10kms
Category
A
Conditions
Activity
Safari
Category
B
Conditions
Not involving use of firearms (not walking safari)
Activity
Sand Boarding
Category
C
Conditions
Activity
Sand Yachting
Category
C
Conditions
Activity
Scenic Helicopter Rides
Category
A
Conditions
As a passenger only, professionally organised and supervised
Activity
Scuba Diving
Category
A
Conditions
To a depth of 18 metres
Activity
Scuba Diving
Category
D
Conditions
Depth of between 18 and 30 metres if BSAC, PADI, DIWA, SSI or SAA member
Activity
Sea Canoeing
Category
B
Conditions
Activity
Show Jumping
Category
D
Conditions
Activity
Skateboarding
Category
A
Conditions
Activity
Snooker, Pool and Billiards
Category
A
Conditions
Activity
Snorkelling
Category
A
Conditions
Activity
Squash
Category
A
Conditions
Activity
Surfing
Category
A
Conditions
No Personal Liability cover
Activity
Swimming
Category
A
Conditions
Must be undertaken in a pool, inland waters or coastal waters within a 12 mile limit from land
Activity
Table Tennis
Category
A
Conditions
Activity
Tennis
Category
A
Conditions
Activity
Trekking
Category
B
Conditions
Between 2,000 and 4,000 metres altitude . No cover for self-guided trekking; trekking against local authority advice; trekking on routes which are not officially recognised.
Activity
Triathlon (Road bike)
Category
D
Conditions
No Personal Liability cover
Activity
Volleyball
Category
A
Conditions
Activity
Water Polo
Category
A
Conditions
Activity
Water Skiing
Category
A
Conditions
Must be inland waters or coastal waters within a 12 mile limit from land. No Personal Liability cover
Activity
Windsurfing
Category
A
Conditions
Must be inland waters or coastal waters within a 12 mile limit from land. No Personal Liability cover
Activity
Work Abroad
Category
D
Conditions
No Personal Liability or Personal Accident cover. Manual work will be ground level only and involving no wild animals or no machinery.
Activity
Yachting, Boating, Sailing and Rowing
Category
A
Conditions
Must be inland waters or coastal waters within a 12 mile limit from land. No Personal Liability cover
Activity
Zip Lining
Category
A
Conditions
| Activity | Category | Conditions |
|---|---|---|
| Abseiling | C | |
| Aerobics | A | |
| Aquathlon | D | |
| Archery | A | |
| Badminton | A | |
| Banana Boating | A | |
| Basketball | A | |
| Bowls | A | |
| Bungee Jump | B | No Personal Accident cover |
| Camel/Elephant Riding | B | |
| Camogie | B | |
| Canyoning | D | |
| Cricket | A | |
| Competitive Cycling | D | No Personal Liability cover |
| Cycling | A | Excluding competition/racing and Mountain Biking (see Mountain Biking below). No Personal Liability cover |
| Cycle Touring | A | Excluding competition/racing and Mountain Biking (see Mountain Biking below). No Personal Liability cover |
| Deep Sea Fishing | B | |
| Dog Sledging | B | |
| Dry Slope Skiing | C | |
| Duathlon | D | |
| Fell Walking, Rambling & Trekking | A | Up to 2,000 metres altitude. No cover for self-guided trekking; trekking against local authority advice; trekking on routes w |
| Fishing | A | |
| Football | A | |
| Go Karting | B | Up to 120cc. No Personal Liability cover. |
| Golf | A | |
| Gymnastics | B | |
| Hang Gliding | D | |
| Hiking | A | Up to 2,000 metres altitude. No cover for self-guided trekking; trekking against local authority advice; trekking on routes which are not officially recognised. |
| Hiking | B | Between 2,000 and 4,000 metres altitude. No cover for self-guided trekking; trekking against local authority advice; trekking on routes which are not officially recognised. |
| Hockey | B | |
| Horse Riding – within tour organiser’s guidelines and safety helmet worn at all times | D | No Polo, Hunting, Jumping or Racing |
| Hot Air Ballooning | B | As a passenger only |
| Hurling | B | |
| Husky Rides | A | |
| Hydro Zorbing | B | |
| Ice-Skating | A | Rink only |
| Jet Skiing | A | |
| Kite Surfing | A | |
| Land Yachting | D | |
| Marathon | A | |
| Martial Arts | B | Training only and non-contact |
| Motorcycling | B | Over 55cc and under 250cc only as a rider or passenger when wearing a helmet, providing the rider holds an appropriate UK motorcycle licence. No racing, no off-roading. No Personal Liability cover. |
| Mountain Biking | C | Excluding competition/racing |
| Paddle Boarding | A | |
| Paragliding | C | |
| Parasailing | C | |
| Parascending | C | No Personal Liability cover |
| Pony & Horse Trekking | A | Guided treks only |
| Racket Ball | A | |
| Rafting, Canoeing and Kayaking | B | Including white water up to grade 3. No Personal Liability cover. |
| Rafting, Canoeing and Kayaking | C | Including white water up to grade 4. No Personal Liability cover. |
| Rafting, Canoeing and Kayaking | A | No white water |
| Rambling | A | |
| Reindeer Sledging | A | As a passenger only, professionally organised and supervised |
| Roller Skating | A | |
| Rounders | A | |
| Rubgy | B | |
| Running/Running 10kms | A | |
| Safari | B | Not involving use of firearms (not walking safari) |
| Sand Boarding | C | |
| Sand Yachting | C | |
| Scenic Helicopter Rides | A | As a passenger only, professionally organised and supervised |
| Scuba Diving | A | To a depth of 18 metres |
| Scuba Diving | D | Depth of between 18 and 30 metres if BSAC, PADI, DIWA, SSI or SAA member |
| Sea Canoeing | B | |
| Show Jumping | D | |
| Skateboarding | A | |
| Snooker, Pool and Billiards | A | |
| Snorkelling | A | |
| Squash | A | |
| Surfing | A | No Personal Liability cover |
| Swimming | A | Must be undertaken in a pool, inland waters or coastal waters within a 12 mile limit from land |
| Table Tennis | A | |
| Tennis | A | |
| Trekking | B | Between 2,000 and 4,000 metres altitude . No cover for self-guided trekking; trekking against local authority advice; trekking on routes which are not officially recognised. |
| Triathlon (Road bike) | D | No Personal Liability cover |
| Volleyball | A | |
| Water Polo | A | |
| Water Skiing | A | Must be inland waters or coastal waters within a 12 mile limit from land. No Personal Liability cover |
| Windsurfing | A | Must be inland waters or coastal waters within a 12 mile limit from land. No Personal Liability cover |
| Work Abroad | D | No Personal Liability or Personal Accident cover. Manual work will be ground level only and involving no wild animals or no machinery. |
| Yachting, Boating, Sailing and Rowing | A | Must be inland waters or coastal waters within a 12 mile limit from land. No Personal Liability cover |
| Zip Lining | A |
3. Optional Winter Sports Cover
If it’s the snow sports that you’re travelling in search of, you’ll need to add on the extra cover for these. All these activities are included as standard with the optional Winter Sports Cover package.
- Cat skiing (with guides)
- Cross country skiing
- Glacier skiing
- Langlauf (cross country skiing)
- Monoskiing (not for time trials/speed skiing or racing)
- Skiing on-piste
- Skiing or snowboarding off-piste (within local ski patrol guidelines)
- Sledging/tobogganing
- Snow blading (no jumping tricks)
- Snow bobbing
- Snow scooting
- Snowshoe walking
- Snowshoeing
- Snow tubing
- Snowboarding on-piste
The following activities will also be covered, but there will be no cover in respect of any Personal Accident or Personal Liability claims;
- Kite snowboarding
- Snow go karting
- Skidoo
- Snow carting
- Snowmobile safari
- Snowmobiling
