Activities

Activity Pack 1 –

1a These sports and activities are covered as standard with no restrictions in cover (no additional premium is required)

• Aerobics
• Amateur Athletic Field Events
• Amateur Athletic Track Events
• Angling/Fishing (freshwater)
• Animal Sanctuary (non big game)
• Archery*
• Badminton
• Bamboo Rafting
• Banana Boating
• Bar Work
• Baseball
• Basketball
• Beach Games
• Body Boarding
• Boogie Boarding
• Boules
• Bowling
• Bowls
• Bridge Swinging*
• Bungee Jumping*
• Camel/Elephant Riding or Trekking (UK Booked)
• Canoeing/Kayaking (White Water Grades 1-3)*
• Catamaran Sailing (inshore)
• Clay pigeon shooting*
• Cricket
• Croquet
• Cross Country Running
• Curling
• Cycle Touring/Leisure Biking (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
• Football/Soccer (practice and training)
• Frisbee (recreational)
• Glass Bottom Boats (inshore)
• Golf
• Gorilla Trekking (booked pre-trip –in a group – up to 1,000m)
• 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
• Motorcycling up to 125cc on public roads for up to 14 days per trip (no racing – must possess a licence allowing you to ride an equivalent motorcycle in the UK or Channel Islands)*
• Mountain Biking (up to 1,000m)
• Mountaineering (in a group – all up to 1,000m)
• Netball
• Orienteering
• Paddle Boarding (inshore)
• Paintballing
• Pentanque
• Peteca
• Pigeon Racing
• Pony Trekking
• Pool
• Quoits
• Rackets
• Racquetball
• Rafting (white water grades 1-3)*
• Rifle Range*
• Ringos
• River Punting
• Roller Blading/Skating (not ice)
• Rounders
• Rowing (inshore – recreational)*
• Safari/Safari Trekking (UK Organised)
• Sailing/Yachting (recreational – inshore)
• Scuba diving (not solo – up to a maximum 30m)*
• Segway (supervised, non-competitive)
• Skate Boarding/Scooters (non-motorised)
• Snorkelling (inside marked areas and/or with lifeguard present – inshore)
• Softball
• Squash
• Stoolball
• Swimming (inside marked areas and/or with lifeguard present)
• Swimming off a Boat (with a qualified supervisor in attendance –  i.e. a lifeguard – inshore)
• Swimming with Dolphins (inside marked areas and/or with lifeguard present – inshore)
• Sydney Harbour Bridge Climbing (professionally organised and supervised)
• Table Tennis
• Tennis
• Theme Parks
• Tubing*
• Tug of War
• Unicycle Riding
• Volleyball
• Wakeboarding (inshore)
• Water Parks
• Water Polo (swimming pools only)
• Whale Watching (professionally organised)
• Yachting (inshore – crewing)*
• Yoga

1b These sports and activities are covered as standard (no additional premium is required). However, there is no cover under Cover Section G – Personal Accident or Cover Section H – Personal Liability for any claim arising directly or indirectly from participating in these activities.

• Archery
• Bridge Swinging
• Bungee Jumping
• Canoeing/Kayaking (White Water Grades 1-3)
• Clay Pigeon Shooting
• Flying as passenger (in a private/small aircraft/helicopter licensed to carry passengers)
• Hot Air Ballooning
• Jet Boating
• Jet Skiing
• Motorcycling up to 125cc on public roads for up to 14 days per trip (no racing – must possess a licence allowing you to ride an equivalent motorcycle in the United Kingdom, the Channel Islands or the Isle of Man)
• Rafting (white water Grades 1-3)
• Rifle Range
• Rowing (inshore – recreational)
• Scuba Diving (not solo, up to maximum 30m)
• Tubing
• Yachting (inshore – crewing).

Please Note: those activities marked with an asterisk (*) do not have Personal Accident or Personal Liability cover.

Activity Pack 2 – additional premium required

• If you have paid the additional premium to cover the activities as shown in Activity Packs 2a, 2b and 2c below then the activities shown will be covered. There are however some reductions in the benefits payable under certain sections of cover, and/or cover may not be provided under certain cover sections. Please see the information provided under each Activity Pack 2a, 2b and 2c below for full details.
• The excess payable under Cover Section 1B – Emergency Medical & Associated Expenses is increased to £150 whilst participating in any of the activities within Activity Packs 2a, 2b or 2c.

2a Please note that the benefit payable for any claim made under Cover Section G – Personal Accident will be reduced to 50% of the amount shown in the Table of Benefits on page 3 of this Policy Document where the claim results from your participation in the following activities.

• Abseiling (indoor/outdoor climbing wall up to 25m)
• Camel/Elephant Riding or Trekking (booked after your departure on your trip, organised tour only)
• Climbing Wall (indoor/outdoor, up to 25m)
• Fell Running (between 1,001m & 2,000m)
• Hiking/Mountain Walking/Rambling/Trekking (in a group, between 1,001m & 2,000m).
• Safari/Safari Trekking (booked after your departure on your trip organised tour only)

2b Please note that the benefit payable for any claim made under Cover Section G – Personal Accident will be reduced to 50% of the amount shown in the Table of Benefits on page 3 of this Policy Document where the claim results from your participation in the following activities. There is also no cover provided under Cover Section H – Personal Liability for any claim resulting from your participation in the following activities.

• Cycling Touring/Leisure Biking (between 1,001m & 2,000m)
• Mountain Biking (between 1,001m & 2,000m – excludes downhill)
• Sea Canoeing/Kayaking (under qualified supervision – inshore)
• Sea Fishing (inshore)
• Sea Canoeing/Kayaking (under qualified supervision – inshore)
• Water Skiing (inshore)
• Windsurfing (inshore)

2c Please note that there is no cover under Cover Section G – Personal Accident or Cover Section H – Personal Liability for any claim resulting from your participation in the following activities.

• Airsoft
• Parasailing/Parascending (over land or water – Europe only)
• Shark Cage Diving
• Summer Tobogganing
• Surfing