| Hazardous Activity |
Cover |
| Abseiling (when adequately supervised) |
Covered
(No Personal liability cover) |
| American Football |
Additional premium required -
please call us to cover this |
| Archery |
Covered
(No Personal liability cover) |
| Badminton |
Covered |
| Bamboo Rafting (up to grade 2 rivers with adequate safety equipment) |
Covered |
| Banana Boating |
Covered |
| Base Jumping |
NO COVER |
| Baseball |
Covered |
| Basketball |
Covered |
| Beach Games |
Covered |
| Big Foot Skiing |
Winter Sports Cover needed |
| Big Game Hunting |
NO COVER |
| Black Water Rafting (life jacket and helmet must be worn) |
Additional premium required -
please call us to cover this |
| Blow Carting |
Covered
(No Personal liability cover) |
| BMX Riding - Stunt/Obstacle |
NO COVER |
| Bobsleigh/Luging |
NO COVER |
| Bouldering (using crash pads where appropriate) |
Covered |
| Bowls |
Covered |
| Boxing |
NO COVER |
| Bungee Jumping (when adequately supervised) |
Covered |
| Camel Riding |
Covered
(No Personal liability cover) |
|
Canoeing (grade 3 rivers) |
Additional premium required -
please call us to cover this |
|
Canoeing (up to grade 2 rivers only) |
Covered |
|
Canyoning (life jacket and helmet must be worn) |
Additional premium required -
please call us to cover this |
|
Cat Skiing |
Winter Sports Cover needed |
|
Catamaran |
Covered
(No Personal liability cover) |
|
Cave Diving |
NO COVER |
|
Cave Tubing |
Additional premium required -
please call us to cover this |
|
Caving/Pot holing |
Additional premium required -
please call us to cover this |
|
Charity work (educational/environmental) |
Please click here |
|
Clay Pigeon Shoot |
Covered
(No Personal liability cover) |
|
Climbing (on a climbing wall only) |
Covered |
|
Conservation work (educational/enviromental) |
Please click here |
|
Cricket |
Covered |
|
Cross-Country Skiing |
Winter Sports cover needed |
|
Curling |
Winter Sports cover needed |
|
Cycling |
Covered
(No Personal liability cover) |
|
Cycling racing (non-professional) |
Additional premium required -
please call us to cover this (No Personal liability cover) |
|
Deep Sea Fishing |
Covered |
|
Dinghy Sailing |
Covered
(No Personal liability cover) |
|
Dragon Boat Racing (non professional) |
Covered |
|
Dry Slope Skiing |
Additional premium required -
please call us to cover this |
|
Elephant Riding/ Trekking (professionally organised, with experienced handlers) |
Covered |
|
Expeditions |
NO COVER |
|
Fell Running |
Covered |
|
Fell Walking |
Covered |
|
Fencing |
Additional premium required -
please call us to cover this (No Personal liability cover) |
|
Fishing |
Covered |
|
Flying in aircraft (as a fare-paying passenger) |
Covered |
|
Flying in aircraft (as a non-fare-paying passenger, pilot or trainee pilot) |
Additional premium required -
please call us to cover this |
| Football American |
Additional premium required -
please call us to cover this |
| Football Rugby |
Additional premium required -
please call us to cover this |
| Football Soccer |
Additional premium required -
please call us to cover this |
| Football Soccer (incidental, leisure and non-competitive) |
Covered |
| Free Mountaineering |
NO COVER |
| Freestyle Skiing |
NO COVER |
|
Glacier Skiing |
Winter Sports cover needed |
| Glacier Walking |
Winter Sports cover needed |
|
Glass Bottom Boats/Bubbles |
Covered |
|
Gliding (as a passenger only) |
Covered |
|
Gliding as a pilot or trainee pilot |
Additional premium required -
please call us to cover this (No Personal liability cover) |
|
Go Karting (when adequately supervised) |
Covered
(No Personal liability cover) |
| Golf |
Covered |
| Gorilla Trekking (organised) |
Covered |
| Gymnastics |
Covered |
| Hang Gliding |
Additional premium required -
please call us to cover this |
| Heli-Skiing (Helicopter must touch down) |
Winter Sports cover needed |
| Heptathlon |
Covered |
|
High Level Walking |
Covered |
|
High Diving - over 5 meters |
NO COVER |
|
Hiking/Treking/Walking |
Covered |
| Hockey |
Additional premium required -
please call us to cover this |
| Horse Riding in competitions (non-professional) |
Additional premium required -
please call us to cover this (No Personal liability cover) |
| Horse Riding/Trekking/Hacking (non-competitive) |
Covered |
| Hot Air Ballooning (organised pleasure rides) |
Covered |
| Hunting (Fox/Drag) |
NO COVER |
| Husky Dog Sledding (organised, non-competitive with experienced local driver) |
Winter Sports cover needed |
| Hydro Zorbing |
Covered |
| Hydrospeeding (wearing recommended safety equipment) |
Covered |
| Ice Diving (must be with a qualified instructor at all times) |
Winter Sports cover needed |
| Ice Hockey |
Winter Sports cover needed |
| Ice Skating |
Winter Sports cover needed |
| Indoor Climbing (on climbing wall) |
Covered |
| Inline Skating (pads and helmet must be worn) |
Covered
(No Personal liability cover) |
| Javelin Throwing |
Covered |
| Jet Boating (no cover for racing) |
Covered
(No Personal liability cover) |
| Jet Skiing (no cover for racing) |
Covered
(No Personal liability cover) |
| Jogging |
Covered |
| Judo |
NO COVER |
| Karate |
NO COVER |
| Kayaking (grade 3 rivers) |
Additional premium required -
please call us to cover this |
| Kayaking (up to grade 2 rivers) |
Covered |
| Kite Boarding (winter sports) |
Winter Sports cover needed
(No Personal liability cover) |
| Kite Buggying |
Covered
(No Personal liability cover) |
|
Kite Surfing (over land) |
Additional premium required -
please call us to cover this |
| Kite Surfing (over water) |
Additional premium required -
please call us to cover this |
| Kloofing |
Additional premium required -
please call us to cover this |
| Lacrosse |
Additional premium required -
please call us to cover this |
| Luging/Bobsleigh |
NO COVER |
| Manual Work |
Please click here |
| Marathon Running |
Covered |
| Martial Arts |
NO COVER |
| Micro Lighting |
NO COVER |
| Mixed Gas Diving (nitrox/trimix to maximum depth of 50m) |
Covered - subject to qualification. |
| Mono Skiing |
Winter Sports cover needed |
| Motor Cycling (with UK licence) |
Covered
(No Personal liability cover) |
| Motor Rallying |
NO COVER |
| Mountain Biking (except downhill racing and vertical paths) |
Covered
(No Personal liability cover) |
| Mountain Boarding (protective clothing must be worn) |
Covered |
| Mountaineering |
NO COVER |
| Muscular Endurance Test |
NO COVER |
| Netball |
Covered |
| Nordic Skiing |
Winter Sports cover needed |
| Off Piste Skiing/Snowboarding (within resort boundary) |
Winter Sports cover needed. Click here for more details. |
| Off Piste Skiing/Snowboarding (outside resort boundary) |
Winter Sports cover needed. Click here for more details. |
| Orienteering |
Covered |
| Paint Balling/War Games (eye protection must be worn) |
Covered
(No Personal liability cover) |
| Parachuting |
NO COVER |
| Paragliding (must be tandemed with a qualified instructor at all times) |
Additional premium required -
please call us to cover this |
| Parapenting/Paraponting as a winter sport (must be tandemed with a qualified instructor at all times) |
Winter Sports cover needed |
| Parapenting/Paraponting non-winter sports (must be tandemed with a qualified instructor at all times) |
Additional premium required -
please call us to cover this |
|
Parasailing/Parasending (over water) |
Covered |
| Passenger Sledge |
Covered |
| Polo |
Additional premium required -
please call us to cover this |
| Pony Trekking |
Covered |
| Pot Holing/Caving |
Additional premium required -
please call us to cover this |
| Power Boating (non-competitive - no cover for damage to vessel) |
Covered
(No Personal liability cover) |
| Professional Sports |
NO COVER |
| Quad Biking |
Additional premium required -
please call us to cover this |
| Racing not on foot (see also cycling, triathlon) |
NO COVER |
| Racing on foot |
Covered |
| Rambling |
Covered |
| Rap Running/Jumping (within organisation's guidelines) |
Covered
(No Personal liability cover) |
| Raquetball |
Covered |
| Rifle Range |
Covered
(No Personal liability cover) |
| Ringos |
Covered |
| River Bugging |
NO COVER |
| River Tubing |
Covered |
| Rock Climbing (Maximum grade HVS, organised and taking appropriate safety precautions including ropes) |
Additional premium required -
please call us to cover this |
| Rock Scrambling (taking appropriate safety precautions) |
Additional premium required -
please call us to cover this |
| Rodeo |
NO COVER |
| Roller Skating/Blading (pads and helmets must be worn) |
Covered
(No Personal liability cover) |
| Rounders |
Covered |
| Rowing (except racing) |
Covered |
| Rugby (Union/League) |
Additional premium required -
please call us to cover this |
| Running |
Covered |
| Safari in a vehicle (must be with a guide) |
Covered |
| Safari on foot (must be with a guide) |
Covered |
| Sail Boarding/Windsurfing |
Covered
(No Personal liability cover) |
| Sailing |
Covered
(No Personal liability cover) |
| Sand Dune Surfing/Skiing |
Additional premium required -
please call us to cover this |
| Sand Yachting |
Covered
(No Personal liability cover) |
| Scuba Diving |
Covered – subject to qualification.
Click here for more details. |
| Sea Canoeing/Kayaking (within site of land) |
Covered |
| Shark Diving (in cage) |
Additional premium required -
please call us to cover this |
| Shooting (within organisations guidelines) |
Covered
(No Personal liability cover) |
| Skateboarding (pads and helmets must be worn) |
Covered
(No Personal liability cover) |
| Ski Acrobatics |
NO COVER |
| Ski Biking |
Winter Sports cover needed |
| Ski Flying |
NO COVER |
| Ski Jumping |
NO COVER |
| Ski Mountaineering - see glossary |
NO COVER |
| Ski Racing (non FIS) |
Winter Sports cover needed |
| Ski Run Walking (using ropes or crampons) |
NO COVER |
| Ski Touring - see glossary |
Winter Sports cover needed |
| Ski Yawing |
Winter Sports cover needed
(No Personal liability cover) |
| Ski-Boarding/Snow Boarding |
Winter Sports cover needed |
| Ski-Dooing |
Winter Sports cover needed
(No Personal liability cover) |
| Skiing |
Winter Sports cover needed |
| Ski-Stunting |
NO COVER |
| Sky Diving |
NO COVER |
| Sledging pulled by Horse/Reindeer |
Covered |
| Sledging/Tobogganing |
Winter Sports cover needed |
| Small Bore Target Shooting |
Covered
(No Personal liability cover) |
| Snorkeling |
Covered |
| Snow Carting |
Winter Sports cover needed |
| Snow Decking |
Winter Sports cover needed |
| Snow Scooting |
Winter Sports cover needed |
| Snow Skating |
Winter Sports cover needed |
| Snow Tubing |
Winter Sports cover needed |
| Snow Blading |
Winter Sports cover needed |
| Snow Boarding |
Winter Sports cover needed |
| Snowcat Skiing |
Winter Sports cover needed |
| Snow-Mobiling |
Winter Sports cover needed
(No Personal liability cover) |
| Soccer |
Additional premium required -
please call us to cover this |
| Soft Ball |
Covered |
| Squash |
Covered |
| Street Hockey (pads and helmets must be worn) |
Additional premium required -
please call us to cover this |
| Summer Tobogganing |
Additional premium required -
please call us to cover this |
| Surfing |
Covered
(No Personal liability cover) |
| Swimming |
Covered |
| Sydney Harbour Bridge Walk (using ropes and strapped to a guide) |
Covered |
| Table Tennis |
Covered |
| Telemarking |
Winter Sports cover needed |
| Tennis |
Covered |
| Tenpin Bowling |
Covered |
| Tobogganing/Sledging |
Winter Sports cover needed |
| Tree Top Canopy Walking (with adequate safety measures in place) |
Covered |
| Trekking/Walking/Hiking/High Level Walking |
Covered |
| Triathlon (non-professional) |
Additional premium required -
please call us to cover this |
| Tubing |
NO COVER |
| Tug of War |
Covered |
| Via ferrate |
Covered |
| Volleyball |
Covered |
| Wakeboarding |
Covered
(No Personal liability cover) |
| War Games (eye protection must be worn) |
Covered
(No Personal liability cover) |
| Water Polo |
Covered |
| Water Ski Jumping |
NO COVER |
| Water-Skiing (no jumping) |
Covered
(No Personal liability cover) |
| Weight Lifting |
NO COVER |
| White Water Canoeing |
NO COVER |
| White Water Rafting (when adequately supervised and with appropriate safety measures) |
Covered |
| Windsurfing |
Covered
(No Personal liability cover) |
| Working Abroad |
Please click here |
| Wrestling |
NO COVER |
| Yachting |
Covered
(No Personal liability cover) |
| Zorbing (non-winter sports) |
Covered |
| Zorbing (winter sports) |
Winter Sports cover needed |
 |
