Special Sports and Activities

Sports and activities are either included free of charge, included at additional charge or excluded altogether. Sports & activities cover can only be added prior to departure. Whilst the leisure activities listed below are themselves covered by the Policy, for some there is no cover for Personal Accident or Personal Liability for Insurance Events occurring as a consequence of participating in these activities. Where an additional premium has been paid this will be shown on your Policy Schedule.

Please note: Activities where an Additional Premium required are only available to persons aged up to age 69 for Annual multi-trip policies and up to age 85 for single trip policies. Activities not listed are excluded. If You are in doubt please contact Customer Services.

This Policy will provide cover free of charge when engaging in the following sports and activities on an occasional, non-competitive and non-professional basis during the trip:

  • Athletics
  • Badminton
  • Baseball
  • Basketball
  • *BMX Cycling
  • Bowls
  • Cricket
  • Cross Country Running
  • Curling
  • *Cycling
  • Fell Running/walking (no climbing)
  • Golf
  • Heptathlon
  • Hiking (under 2,000 metres altitude)
  • Jogging
  • Netball
  • Orienteering
  • Rambling
  • *Roller Blading (In-Line Skating / Skate boarding)
  • Rounders
  • Running, Sprint / Long Distance
  • Safari (UK organised, no guns)
  • Scuba Diving (see notes below)
  • Skateboarding
  • Snorkelling
  • Squash
  • Tennis
  • Trekking (under 2,000 metres altitude)
  • Triathlon
  • Volleyball
  • Water Polo
  • Windsurfing
  • Yachting/crewing (only if wearing a life jacket and only if inside territorial waters)

Scuba Diving Notes: Qualified divers, diving with a dive-buddy and in accordance with the guidelines of the relevant diving organization will be covered as follows:

  • Qualification/ Maximum depth
  • PADI Open Water/ 18 metres
  • PADI Advanced Open Water/ 30 metres
  • BSAC Ocean Diver/ 20 metres
  • BSAC Sports Diver/ 30 metres
  • BSAC Dive Leader/ 30 metres

Other qualifications may be accepted but must be declared to Us prior to travel. If you do not hold a diving qualification, we will only cover you to dive to a maximum depth of 18 metres when accompanied by and under the direction of a qualified diving instructor as part of an accredited course.

You will not be covered under this policy if you travel by air within 24hrs after participating in scuba diving.

The following sports and activities will also be covered free of charge but no cover will apply in respect of any Personal Accident or Personal Liability claims:

  • Archery
  • Boxing Training (no contact)
  • Camel/Elephant Riding/Trekking
  • Canoeing/Kayaking (Grade 1-3)
  • Field Hockey
  • Fishing (Fresh water and deep sea)
  • Flying as a passenger (private/small aircraft)
  • Football
  • Gaelic Football (non competitive)
  • *Go Karting ( recreational use)
  • Hiking (over 2,000 but under 6,000 metres altitude)
  • *Horse Riding (no Polo, Hunting, Jumping)
  • Parascending (over water)
  • *Roller hockey/Street hockey (only if wearing pads & helmet)
  • Trekking (over 2,000 but under 6,000 metres altitude)
  • *White/Black Water Rafting (Grade 1 to 4)

The policy can be extended to cover the following activities by paying an additional premium but no cover will apply in respect of any Personal Accident or Personal Liability claims:

  • *Abseiling
  • Animal Conservation/Game Reserve work
  • Canoeing/Kayaking (Grade 4: cover only available if BCU qualified)
  • Clay pigeon shooting
  • Cross Channel swimming (accompanied by support boat)
  • Dry skiing
  • Fencing
  • Gymnastics
  • Handball
  • High Diving
  • Hot Air Ballooning
  • Jet Boating (only if wearing a life jacket)
  • Jet Skiing (only if wearing a life jacket)
  • *Kite surfing/landboarding/Buggying
  • *Lacrosse
  • Marathons
  • Martial Arts (Training only)
  • *Motorcycling (under 50cc - no racing)
  • *Mountain Biking
  • *Mountain Boarding
  • *Paintballing
  • Rowing (inland/coastal)
  • Sailboarding/Sandboarding
  • Surfing
  • Wake Boarding
  • War Games (non-armed forces)
  • Water Skiing
  • Weight Lifting
  • Zorbing/Hydroboarding

The policy can be extended to cover the following activities by paying an additional premium but no cover will apply in respect of any Personal Accident or Personal Liability claims, and the policy excess will be increased to 250 under the Medical Emergency & Repatriation Section of the policy:

  • *American Football
  • Bungee Jump (up to 3)
  • Gliding
  • *Hang Gliding
  • *Motorcycling (over 50cc - no racing)
  • *Parachuting
  • *Parapenting
  • *Parascending (over land)
  • *Parascending (over water) (only if wearing a life jacket)
  • Rugby
  • *Sand Yachting
  • *Sky Diving

*Cover is only provided for these activities when wearing a recognised helmet designed for that activity.