Hazardous Sports & Activities

sports

Our Sports and Activites cover can be added on to our travel insurance products meaning that you can get involved in amateur sports and other hazardous activities such as snorkelling, horse-riding, jet skiing etc, without worrying about the risk of personal injury or medical costs. Though they're fun and can be a great experience some sports and activity holidays can put you at risk of getting injured, which means you need to make sure you have insurance that will cover your emergency medical costs when you're doing these sports and activities.

Our Grade 1 list of sport and activities are covered as standard on our Single Trip, Annual Multi-trip, Backpacker and Study Abroad Insurance, meaning that there are 50+ sports/activities you can take part in without selecting additional sports/activities cover. However, if you plan on doing a high risk sport or activity while you're away, have a look at the grading below. Adding the right sport cover on to your travel insurance is quick and easy.

Get an online quote now or call 0161 772 3395 to talk to someone in our UK call centre.

Am I covered for Wintersports?

No - our wintersports cover is optional; if you're going Skiing, Snowborading etc, take a look at our Wintersports cover which comes with the additional benefits and ski hire and equipment, piste closure, avalanche etc.

Grade A Hazardous Sports & Activities The following activities are included within the cover as standard, as long as they are amateur activities, conducted under adequate supervision and on an incidental basis.
  • Aerobics
  • Angling/Fishing (Fresh Water)
  • Archery
  • Badminton
  • Bamboo Rafting
  • Banana Boating
  • Baseball
  • Basketball
  • Beach Games
  • Biking on road only, Blade Skating
  • Board Sailing-Inshore only
  • Boating
  • Body Boarding- Inshore only
  • Boogie Boarding- Inshore only
  • Bowls
  • Canoeing
  • Catamaran Sailing-Inshore only
  • Clay Pigeon Shooting
  • Cricket
  • Croquet
  • Cross Country Running
  • Curling
  • Cycling (excluding off-road
  • BMX or Mountain Biking)
  • Dancing
  • Darts
  • Dinghy Sailing
  • Disc Golf
  • Doughnut
  • Dragon Boat Racing
  • Fell walking up to 2000 metres
  • Fruit or Vegetable Picking (no higher than 3 metres)
  • Glass Bottom Boats
  • Goalball
  • Golf
  • Handball
  • Hiking up to 2000 metres (excluding the use of picks
  • ropes and guides)
  • Hobie Catting - Inshore only
  • Iceskating (rink only)
  • Jet Boating - Inshore only
  • Jet Skiing - Inshore only
  • Jogging
  • Kayaking- Inshore only and up to white water grade 3
  • Kite Boarding
  • Kite Surfing
  • Korfball
  • Laser Tag
  • Low Ropes
  • Motorcycling up to 50cc (Excluding Quad biking and Motorcycle Touring)
  • Netball
  • Non-Manual Labour – excluding Animal Sanctuary/Refuge work
  • Orienteering
  • Parascending (towed by boat)
  • Pilates
  • Pony Trekking
  • Pool
  • Power Boating -Inshore only
  • Rackets
  • Racquet Ball
  • Rafting - Inshore only and up to white water grade 3
  • Rambling up to 2000 metres (excluding the use of picks
  • ropes and guides)
  • Roller skating
  • Rounders
  • Rowing
  • Sail Boarding -Inshore only
  • Sailing- Inshore
  • Scuba diving (up to 18 metres
  • also see scuba diving endorsement in this policy)
  • Sea Fishing (From Shore)
  • Snooker
  • Snorkelling
  • Softball
  • Spinning
  • Squash
  • Surfing - Inshore only
  • Swimming - (Pool and Beach swimming within a marked area with a lifeguard only)
  • Swimming off a boat (with a qualified supervisor in attendance i.e. a lifeguard)
  • Swimming with dolphins
  • Sydney Harbour Bridge Climbing (Professional
  • organised and supervised)
  • Table tennis
  • Tennis
  • Theme Parks
  • Trampolining
  • Trekking up to 2000 metres (excluding the use of picks, ropes or guides)
  • Tubing
  • Tug of War
  • Volleyball
  • Wakeboarding
  • Walking up to 2000 metres (excluding the use of picks, ropes and guides)
  • War games
  • Water Parks
  • Water Polo
  • Water-skiing – Inshore only and no jumping
  • Whale Watching
  • Windsurfing - Inshore only
  • Yachting (excluding crewing) - Inshore
  • Yoga
Grade B Hazardous Sports & Activities
  • Animal/Camel/Elephant/Horse/Riding under 7 days
  • Breathing Observation Bubble (BOB) up to 18 metres
  • Bungee Jump
  • Charity Rallies (no racing) - Sole purpose of trip is covered
  • Cycle Touring - Sole purpose of trip is covered
  • Deep Sea Fishing -Inshore only
  • Dog Sledging
  • Fell Walking(between 2000 and 3000 metres altitude) - Sole purpose of trip is covered
  • Fencing
  • Flying a private plane or small aircraft
  • Flying as a passenger in a private or small aircraft
  • Football
  • Glacier Walking
  • Go Karting up to 250cc
  • Gorilla Trekking - Sole purpose of trip is covered
  • Gymnastics
  • Hiking between 2000 and 3000 metres altitude (excluding the use of picks ropes and guides) - Sole purpose of trip is covered
  • Hockey - (Field)
  • Hot Air Ballooning
  • Hydro Zorbing
  • Manual/Farm Work (ground level only no machinery - excluding Animal Sanctuary/Refuge work)
  • Motorcycling (between 51cc – 125cc no racing) as a rider or passenger. When using the vehicle either as a driver or passenger a helmet must always be worn. The rider must hold an appropriate UK licence (Excluding Motorcycle Touring)
  • Paint Balling
  • Passenger Sledge
  • Quad Biking (no racing) 125cc or under as a rider or passenger. When using the vehicle, either as a driver or passenger a helmet must always be worn. The rider must hold an appropriate UK licence
  • Rambling between 2000 and 3000 metres altitude (excluding the use of picks ropes and guides) - Sole purpose of trip is covered
  • Reindeer Sledge
  • Safari (UK booked and not involving use of firearms) - Sole purpose of trip is covered
  • Scuba Diving (between 18 and 30 metres, also see scuba diving endorsement in this policy)
  • Sea Canoeing - Inshore only
  • Sea Kayaking -Inshore only
  • Soccer
  • Trekking between 2000 and 3000 metres altitude (excluding the use of picks
  • ropes and guides) - Sole purpose of trip is covered
  • White Water Canoeing (Grade 4)
  • White Water Kayaking (Grade 4)
  • White Water Rafting (Grade 4)
  • Wind Tunnel Flying
Grade C Hazardous Sports & Activities
  • Abseiling
    • Big Foot
  • Devil Karting
  • Dirt Boarding
  • Gaelic Football
  • Glacier Skiing
  • Gliding
  • Horse riding over 7 days (no Polo
    • Hunting or Jumping)
  • Hurling
  • Ice Fishing
  • Ice Hockey - With full body protection
  • Kick Boxing (Training only)
  • Lacrosse/Shinty
  • Manual Work (ground level only including the use of light hand held machinery)
  • Marathon
  • Martial Arts (Training only)
  • Motorcycling over 125cc. Must have a full Clean Licence and be over the age of 25 years as a rider or passenger. When using the vehicle
    • either as a driver or passenger a helmet must always be worn (Excluding Quad biking and Motorcycle Touring)
  • Octopush
  • Off Piste Skiing (with a professional guide/instructor within recognised resort areas)
  • Off Piste Snowboarding (with a professional guide/instructor within recognised resort areas)
  • Outdoor Endurance Events
  • River Tubing
  • Roller Hockey
  • Rugby
  • Sand Boarding
  • Sand Dune Surfing
  • Sand Skiing
  • Sand Yachting
  • Segway (Supervised
    • non-competitive)
  • Shark Diving (Cage only)
  • Skate Boarding
  • Ski Run Walking
  • Ski Yawing
  • Ski-Dooing
  • Skiing - 21 Sole purpose of trip is covered
  • Skiing (Cross Country)
  • Skiing (Dry Slope)
  • Sledging
  • Snow Blading - Sole purpose of trip is covered
  • Snow Boarding - Sole
  • purpose of trip is covered
  • Snow Bobbing
  • Snow Carting up to a 125cc
  • Snow Decking
  • Snow Go Karting
  • Snow Kiting
  • Snow Mobiling
  • Snow Parascending
  • Snow Scooting
  • Snow Shoe Walking
  • Snow Shoeing
  • Snow Tubing
  • Snow Zorbing
  • Snowboarding (Dry Slope)
  • Snowcat Driving
  • Snowcat Skiing
  • Summer Tobogganing
  • Open water swimming
  • Swimming off a boat (Unsupervised and/or no lifeguard)
  • Open water swimming with Dolphins
  • Tobogganing
  • Tree Top Canopy Walking
  • Triathlon
  • Water Hockey
  • White Water Canoeing (Grade 5 to 6)
  • White Water Kayaking (Grade 5 to 6)
  • White Water Rafting (Grade 5 to 6)
  • Yachting/Sailing (including crewing) – Offshore but within European waters only - Sole purpose of trip is covered
  • Zip Lining
In addition to the Sports and Hazardous Activities endorsement Scuba diving is also subject to the following endorsement: Scuba diving endorsement
Scuba diving to a maximum depth of eighteen (18) metres (see Category A) or thirty (30) metres (see category B) will be covered provided that you holda British Sub Aqua Club (BSAC), Professional Association of Diving Instructors (PADI) or equivalent certificate of proficiency for the dive being undertakenor you are under the direct supervision of a qualified instructor; are diving with proper equipment and not contrary to BSAC codes of good practice; arenot solo/cave/wreck diving, are not diving for hire or reward; are not diving within 24 hours of flying or flying within 24 hours of diving and are notsuffering from any medical condition likely to impair your fitness to dive.