Leisure and Sports Activities Covered

Your travel insurance policy automatically covers you for the following activities if you do them during a trip

Leisure activities

• Archery (under supervision)
• Badminton
• Beach cricket, football and volleyball
• Body Boarding+
• Bowls
• Canoeing, kayaking and rafting (grades 1 and 2 only)
• Clay-pigeon shooting (under supervision)
• Curling
• Cycling (no BMX, mountain biking or racing)
• Dinghy sailing*+ (inland or coastal waters only)
• Fell walking
• Fencing (protective gear must be worn)
• Fishing (no deep sea fishing)
• Go-karting+ (crash helmet must be worn)
• Golf
• Hiking (up to 2000 metres altitude)
• Hill walking (up to 2000 metres altitude)
• Horse riding/hacking (no hunting, jumping or polo)
• Hot air ballooning (passenger only and organised through your tour operator)
• Ice skating (no hockey or speed skating)
• Jet skiing+
• Motorcycling up to 125cc+ (see important information)
• Parascending (over water)
• Pony trekking
• Racquetball
• Rambling (up to 2000 meters altitude)
• Roller blading or skating (protective gear must be worn)
• Rounders
• Rowing (inland waters only)
• Safari (camera only and organised through your tour operator)
• Sail boarding+
• Scuba diving (only applies if shown on your policy schedule - see section W) o
• Snorkelling
• Squash
• Surfing+
• Swimming
• Table tennis
• Tennis
• Trampolining
• Trekking (up to 2000 meters altitude)
• Tug of war
• Water polo
• Water skiing+
• Wind surfing+
• Yachting *+ (inland or coastal waters only and no racing)

+ No Personal Liability cover
* Coastal waters are defined as within a 5-mile limit of the coastline for dinghy sailing and within a 12 mile limit for yachting
o No Personal Accident or Personal Liability cover

Winter Sports activities

Your travel insurance only covers you for the following activities if this option has been selected and the appropriate premium paid.

• Cross-country skiing (on recognised paths)
• Dry-slope skiing
• Off-piste skiing++
• Off-piste snowboarding++
• Skiing (on recognised paths)
• Snowboarding (on recognised paths)
• Sledging
• Snowshoeing
• Snow mobiling+

+ No Personal Liability cover
++ With a qualified guide in areas that resort management consider to be safe

What is not covered?

The following sports/activities are specifically excluded from our travel insurance policy:

• Flying or other aerial activities - other than as a passenger in an aircraft
• Any trip that is for the sole purpose of you taking part in a leisure activity, UNLESS accepted by us
• You taking part in winter sports activities unless the additional premium has been paid
• You taking part in a leisure or winter sports activity that is not listed above
• You taking part in any organised team or contact sport that is not listed above or for any sport or competition as a professional
• Your involvement in manual work of any kind
• Motorcycling (as a rider or passenger) on machines of 125cc or more
• Scuba diving unless the additional premium has been paid to cover this, then you are only covered to the maximum depth for which you are qualified (maximum 30 metres)
• You taking part in expeditions or being a crew member on a vessel travelling from one country to another

Note - if you hire a vehicle or vessel whilst on a trip make sure that you have the necessary insurance from the hire company as this travel insurance policy does not provide Personal Liability cover for this.