Our policies will only cover you when participating on a non-professional, non-competitive basis.
If you are considering participating in any activities during your trip, we kindly suggest checking if we provide coverage for your chosen activity. You can do so by using the search box below.
If your activity isn't listed, Please use our webchat option or speak with our friendly customer services team.
Activities indicated with a single asterisk (*) will not be covered under the Personal Accident and Personal Liability sections of our policies.
Please note: If you are using a mobile device, you may need to scroll horizontally after searching for your activity to determine whether you have coverage or not.
| Abseiling | Not Covered |
| Aerobics | Covered |
| American football | Not Covered |
| Animal conservation/game reserve work | Not Covered |
| Archery* | Covered |
| Badminton | Covered |
| Banana boat rides | Covered |
| Base jumping | Not Covered |
| Baseball | Covered |
| Basketball | Covered |
| Beach cricket | Covered |
| Big game hunting | Not Covered |
| BMX | Covered - Only if wearing a helmet |
| BMX stunt riding | Not Covered |
| Boogie Boarding | Covered |
| Bouldering | Not Covered |
| Bowls | Covered - Including competitions |
| Boxing | Not Covered |
| Boxing Training* | Covered |
| Bungee jumping* | Covered |
| Cable Cars | Covered but Only if not for use in Hiking, Trekking, or Rambling |
| Camel/elephant riding/trekking* | Covered |
| Canoeing/kayaking | Not Covered - If white water |
| Canoeing/kayaking* | Covered - Only if wearing a life-jacket and helmet and only on inland and coastal waters – not white water |
| Canyoning | Not Covered |
| Catamaran sailing | Covered |
| Caving/potholing | Not Covered |
| Cheer Leading | Covered - Subject to the following: As long as this is a leisure-orientated activity and not partaking in the activity due to a gap year etc. The insured is fit to partake in the activity The activity is held in a safe environment |
| Clay Shooting* | Covered |
| Climbing | Covered - On a climbing wall only |
| Coasteering | Not Covered |
| Cricket | Covered |
| Croquet | Covered |
| Cross-channel swimming | Not Covered |
| Curling | Covered |
| Cycle racing and time-trialling | Not Covered |
| Cycling | Covered - Only if wearing a helmet, not mountain biking |
| Dinghy sailing* | Covered - Only if wearing a life jacket and only inside territorial waters |
| Dog sledging* | Covered - When driven by an experienced driver provided by the organiser only |
| Dune Bashing | Not Covered |
| Dune Buggy | Not Covered |
| E-Scooters | Covered - Provided the customer is wearing a helmet and this takes place as part of an organised tour |
| Falconry* | Covered |
| Fell walking | Covered - As long as no climbing |
| Fencing* | Covered |
| Field hockey* | Covered |
| Fishing* | Covered |
| Flying as a passenger in an aircraft* | Covered - Subject to the following too: Sightseeing tour only. Must be a fare paying passenger of a licensed aircraft. The pilot must be familiar with the territory. The insured must adhere to the organising company’s rules and regulations. We would not cover any self-piloted aircraft. This would include a glider. |
| Football* | Covered |
| Free/high diving | Not Covered |
| Gaelic Football* | Covered |
| Glacier Walking | Covered- As long as with a guide. |
| Gliding | Not Covered |
| Go-Karting* | Covered - Only if wearing an helmet |
| Golf | Covered |
| Grand Canyon* | Covered - Subject to the following: Sightseeing tour only. Must be a fare paying passenger of a licensed aircraft. The pilot must be familiar with the territory. The insured must adhere to the organising company’s rules and regulation. |
| Gym/ fitness | Covered |
| Gymnastics | Not Covered |
| Hang gliding | Not Covered |
| Helicopter rides* | Covered - As they are a fare-paying passenger in a licensed passenger-carrying aircraft, but there would be no cover under the personal accident section of the policy. |
| Hiking | Covered -As long as under 4,000m altitude providing there are no overnight stays between 2,000m and 4,000m |
| Hiking | Not Covered - If above 4,000 metre altitude |
| Hiking up a volcano | Not Covered |
| Horse jumping/ hunting | Not Covered |
| Horse-riding* | Covered - Only if wearing a riding hat and no cover for polo, hunting or jumping |
| Hot air ballooning* | Covered - As a fare-paying passenger in a licensed aircraft |
| Ice Camping | Not Covered |
| Ice skating | Covered |
| Indoor Winter Sports | Covered - Subject to the following: Requires need Winter Sports cover to do indoor winter sports activities, whether this is taking place in the UK or abroad. If this activity is taking place in the UK then the Home Country cover rules will also apply. |
| Jet skiing* | Covered |
| Jogging | Covered |
| Kite surfing | Not Covered |
| Lacrosse | Not Covered |
| Marathon | Not Covered |
| Martial arts | Covered - As long as no contact training only |
| Micro-lighting | Not Covered |
| Motor Cross | Not Covered |
| Motor Cruiser* | Covered - If the customer is just a passenger on the motor cruise and will not in any way engage in the manning or driving the cruiser then we can offer them a policy. |
| Motorcycling on-road/as a mode of transport as a passenger or a rider | Not Covered -If the motorcycle or electric motorcycle is over 125cc/11kw |
| Motorcycling on-road/as a mode of transport as a passenger or rider | Covered - Must be wearing a helmet and only if the motorcycle or electric motorcycle is under 125cc/11kw. The rider must hold a valid motorcycle license |
| Mountain biking* | Covered - Only if wearing an helmet |
| Mountaineering | Not Covered |
| Netball | Covered |
| Off-road motorcycling | Not Covered |
| Organised competitive team sports | Not Covered |
| Orienteering | Covered - No climbing |
| Paddleboarding* | Covered - Subject to the following conditions: Must wear a life jacket at all times. Must be experienced Adhere to the organizer's rules Keep within the designated paddle area on the lakes Keep clear of any rock areas This must not be for a competition or where money is involved. |
| Paintballing* | Covered |
| Paragliding | Not Covered |
| Parascending | Not Covered - Over land |
| Parascending* | Covered - If over water only |
| Pickleball | Covered |
| Pilates | Covered |
| Polo | Not Covered |
| Professional sport | Not Covered |
| Quad biking | Not Covered |
| Rambling | Covered - If under 4,000m altitude providing there are no overnight stays between 2,000m and 4,000m |
| RIB Ride* | Covered - Subject to the following: Wear life jackets at all times. The distance between the boat and the landing point is easily accessible for the customer to not fall and injure themselves. Adhere to the organising company’s rules and regulations. |
| Ringos | Covered |
| Rock climbing | Not Covered |
| Roller hockey/street hockey* | Covered - Only if wearing pads and a helmet |
| Rollerblading/line skating | Covered |
| Rowing | Covered |
| Rugby | Not Covered |
| Running | Covered - But Not long distance running. What is Long distance? 21Km but to be insured the traveler must be fit to run and have ran a similar distance before |
| Safari* | Covered - If organised in the UK and By a UK-Based company before departure. |
| Sailing | Not Covered - Outside territorial waters. |
| Sand Boarding | Not Covered |
| Scuba diving | Not Covered - If below a depth of 30 metre. Please read out scuba diving terms and conditions in your policy booklet. |
| Scuba diving** | Covered - conditions apply, please see Scuba diving conditions in our policy wording document. |
| Segwaying* | Covered |
| Shark diving* | Covered - In a cage only |
| Skateboarding | Covered |
| Sky diving* | Covered - One jump and tandem only |
| Sleigh pulled by reindeer | Covered - Only when driven by an experienced driver provided by the organiser only |
| Snorkelling | Covered |
| Snow Boarding* | Not Covered - After 3rd November 2022 |
| Softball | Covered |
| Squash | Covered |
| Surfing | Covered |
| Swimming | Covered |
| Swimming with dolphins | Covered - As part of a supervised activity |
| Table-tennis | Covered |
| Tennis | Covered |
| Ten-pin bowling | Covered |
| Tombstoning | Not Covered |
| Track days using motorised vehicles | Not Covered - Unless Go-Karting |
| Trampolining | Covered |
| Tree top walking* | Covered - As long as part of a supervised activity |
| Trekking | Covered - Under 4,000m altitude providing there are no overnight stay between 2,000m and 4,000m |
| Trekking | Not Covered - Above 4,000m altitude |
| Volleyball | Covered |
| Wakeboarding* | Covered |
| Walking | Covered |
| Water Park | Covered |
| Water polo | Covered |
| Water ski jumping | Not Covered |
| Water skiing* | Covered |
| Weightlifting | Not Covered |
| White/ black water rafting | Not Covered - If grade 5 to 6 |
| White/ black water rafting Grades 1 to 4* | Covered - Only if wearing a life-jacket and helmet |
| Wind Foiling | Covered |
| Wind tunnel flying* | Covered |
| Windsurfing | Covered |
| Wing Foiling | Not Covered |
| Wrestling | Not Covered |
| Yachting (crewing) | Not Covered - Outside territorial waters. |
| Yachting/crewing* | Covered - Only if wearing a life-jacket and only inside territorial waters |
| Yoga | Covered |
| Zip Lining/Wiring | Not Covered |
| Zorbing/hydrozorbing* | Covered |
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