Travel Insurance: Activities, sports & adventures covered by World Nomads

This information is for residents of Helpdesk Global only.

We like to think we know most adventures World Nomads love. Check the list below or the policy wording for full details.

As we’ve recently changed our insurer, please select the date you bought your policy to view the list of sports for your policy:

Policies purchased on or after 1 Nov 2018 (GMT)

Policies purchased before 1 Nov 2018 (GMT)

For policies purchased on or after 1 Nov 2018, your World Nomads policy is backed by certain underwriters at Lloyd's:

Check the list of sports, activities and experiences below to understand what we cover. If a sport or activity is not listed it may have slipped by us or it may not be covered. Check with us if you’re not sure. 

Each activity listed has a level of cover. When you buy a policy and tell us the activities you'll do, you will be covered for all activities at that level and all activities in the levels below.

  1. (1) Level 1
  2. (2) Level 2
  3. (3) Level 3
  4. (4) Level 4

Note: Some of these activities have specific exclusions (i) - (iii) or restrictions (a) - (e) 
Please check the policy wording for full details.

A

  • Abseiling (rappelling, rapping, rap jumping, deepelling, abbing) (1) See also climbing and mountaineering. Special condition (a) applies. No Personal Accident Cover
  • Acrobatics (see gymnastics or trapeze)
  • Aerial safari (1) Special condition (a) applies. No Personal Accident Cover
  • Aerobics (1)
  • Air guitar (1)
  • American football (Gridiron) (3) No Personal Accident or Personal Liability Cover
  • Angling (see fishing)
  • Athletics (1)
  • Australian Rules Football (AFL)  (2) No Personal Accident Cover

B

  • Backpacking (see hiking)
  • Badminton (1)
  • Ballet (1)
  • Banana boat rides (1) Special condition (a) applies
  • Baseball (1)
  • Basketball (1)
  • Bicycle polo (2) (see cycling, mountain biking or snow biking)
  • Black water rafting (cave tubing) (grades 1-5)  (1) Special condition (a) applies. No Personal Accident Cover
  • Boating (inland and coastal waters) see also speed boating and sailing (1) Special condition (a) or (b) applies, No white water cover. No Personal Liability Cover
  • Boating (outside coastal waters) see also speed boating, and sailing (2) Special condition (a) or (b) and (c) applies. No Personal Accident or Personal Liability Cover
  • Bobsled/Bobsleigh (4) Special condition (a) applies No Personal Accident or Personal Liability Cover
  • Bouldering (see rock climbing)
  • Bowling (lawn, ten-pin, nine-pin, candlepin, duckpin and five-pin bowling, bowls, pétanque & boules)(1)
  • Boxing (gym or outdoor training) no competition or bouts (2)
  • Bungee/bungy jumping (1) Special condition (a) applies
  • Bushcraft (see hiking)
  • Bushwalking (see hiking)

C

  • Camel riding (day tour) (1) Special condition (a) applies No Personal Liability Cover
  • Camel trekking (overnight/main mode of transport) (2) No Personal Liability Cover
  • Camping up to 3,000 metres (see also hiking, mountaineering and expeditions) (1)
  • Camping up to 4,500 metres (see also hiking, and mountaineering) (2)
  • Camping up to 6,000 metres (see also hiking and mountaineering) (3)
  • Canoeing (grades 1-3) (see kayaking)
  • Canyon swing (2) Special condition (a) applies
  • Canyoning (3) No Personal Accident Cover
  • Capoeira dancing (see dance)
  • Caving (sightseeing/tourist attraction) (1) Recreational visit only.
  • Cheerleading (1)
  • Clay pigeon shooting (1) Special condition (a) or (b) applies. No Personal Liability Cover
  • Climbing (see rock climbing or ice climbing)
  • Cricket (1)
  • Croquet (1)
  • Cruising (cruise ship) (1)
  • Curling (1)
  • Cycle racing / time trial  (2) No Personal Liability Cover
  • Cycling (incidental to the trip) (1) No Personal Liability Cover
  • Cycling (independent cycle touring) (2) No Intercontinental touring. No Personal Liability cover Cycling (on an organised tour) (1) Special condition (a) applies. No Intercontinental touring. No Personal Liability cover

D

  • Dance (ballet, ballroom, capoeira, salsa, interpretive dance) (1)
  • Darts (1)
  • Dirt boarding (2) No Personal Liability Cover
  • Diving (see free diving, cliff diving or scuba diving)
  • Dodge ball (1)
  • Dogsledding (on recognised trails) (1) Special condition (a) applies.Remote areas, racing, time trials and endurance events
  • Dragon boating (inland or coastal waters only) (1)
  • Dune buggy (1) Special condition (a) or (b) applies.No Personal Liability Cover

E

  • Elephant riding (1) Special condition (a) applies
  • Elephant trekking (overnight/main mode of transport) (2)  No Personal Liability Cover

F

  • Fell running/walking (see hiking)
  • Fencing (1) No Personal Liability Cover
  • Fishing (ice) (1) Special condition (a) or (b) applies
  • Fishing (inland or coastal waters) (1) Sports / leisure fishing only - no commercial or rock fishing Fishing (outside coastal waters, deep sea fishing) (2) Special condition (a) or (b), and condition ( c) applies. Sports / leisure fishing only - no commercial
  • Fitness training (1)
  • Floorball (1)
  • Fly by wire (2) Special condition (a) applies
  • Flying (as a fare paying passenger in a licensed scheduled or chartered aircraft or helicopter) (1) Special condition (a) applies
  • Flying (as a passenger in a glider or ultralight) (4) No Stunt flying/aerobatics or commercial flying. No Personal Accident Cover
  • Flying (as a pilot or passenger of a private light aircraft) (4)  No Stunt flying/aerobatics or commercial flying. No Personal Accident or Personal liability Cover
  • Flying (Gliding) (4) Special condition (a) or (b) applies No Personal Accident or Personal Liability Cover
  • Football (Soccer) including 5 a side (1)
  • Frisbee (1)

G

  • Glacier walking (ice walking) (1) Special condition (a) applies
  • Go karting (1) Special condition (a) applies No Personal Liability Cover
  • Golf (1)
  • Gym training (aerobics, spinning, zumba, body pump, weight training, cross training, crossfit) (See also boxing and martial arts) (1)
  • Gymnastics (also see acrobatics) (1)

H

  • Handball (1)
  • Hang gliding (4) Special condition (a) applies No Personal Accident or Personal Liability Cover
  • High diving up to 10 metres (excluding cliff diving) (1)
  • Hiking up to 3,000 metres (scrambling, hillwalking) - see also mountaineering (1) No cover where ropes, picks or other specialist climbing equipment is required
  • Hiking up to 4,500 metres (scrambling) on recognised routes) - see also mountaineering (2)No cover where ropes, picks or other specialist climbing equipment is required
  • Hiking up to 6,000 metres (scrambling) on recognised routes - see also mountaineering (3) No cover where ropes, picks or other specialist climbing equipment is required
  • Hockey (1)
  • Horse riding (equestrian, dressage, show jumping, eventing) (3) No Personal Accident or Personal Liability Cover
  • Horse riding (leisure/social/non-competitive riding) (1) No Racing, jumping or competitions.No Personal liability Cover
  • Hot air ballooning (ballooning) (1) Special condition (a) applies No Personal Liability Cover
  • Hunting (excluding Big Game) (1) Special condition (a) or (b) applies). No Cover for Big Game Hunting.No Personal liability Cover
  • Hydrofoiling (see water skiing)

I

  • Ice climbing (see mountaineering)
  • Ice hockey (indoor) 4 No Personal Accident or Personal Liability Cover
  • Ice skating (indoor) (1)
  • Ice skating (outdoor) on a commercially managed rink (1)  Special condition (a) applies
  • In-line skating (1)

J

  • Jet boating (inland/coastal waters only) (1) Special condition (a) or (b) applies No Personal Liability Cover
  • Jet skiing  (inland/coastal waters, grades 1-2 only) (1) Special condition (a) or (b) applies. No Personal Liability Cover

K

  • Kayaking/Canoeing  (inland/coastal waters,  grades 1-3 only, sea kayaking/sea canoeing) (1)
  • Kite boarding (on land or water) (1)
  • Kite buggy (2) No Personal Liability Cover
  • Kite flying (1)
  • Kite surfing (1)
  • Kite wing (land, water) (2) No Personal Liability Cover
  • Kite wing (snow) (4) No Personal Accident or Personal Liability Cover
  • Korfball (1)

L

  • Lacrosse (1)
  • Land surfing (2) No Personal Liability Cover

M

  • Martial arts (Judo & Karate only) no competition or bouts (2) Special condition (a) applies,non-competitive only .No Personal Accident or Personal Liability Cover
  • Martial arts training (non-contact) (1)
  • Moped riding/scooter biking (1) Special condition (b) applies, a helmet must be worn. No Touring or where a motorbike is the main mode of transport. No Personal Liability Cover
  • Motor racing experience (passenger only) (1)Special condition (a) applies
  • Motor biking (on road over 125cc) (2) Special condition (b) and  a helmet must be worn. No Touring or where a motorbike is the main mode of transport. No Personal Liability Cover
  • Motor biking (on road under 125cc) (1) Special condition (b) and  a helmet must be worn .No Touring or where a motorbike is the main mode of transport. No Personal Liability Cover
  • Motor biking / trail biking  ( off-road 125cc or over) (4) Special condition (b) and  a helmet must be worn. No Touring or where a motorbike is the main mode of transport. No Personal Liability Cover
  • Motor biking / trail biking  ( off-road under 125cc) (3) Special condition (b) and  a helmet must be worn. No Touring or where a motorbike is the main mode of transport. No Personal Liability Cover
  • Motorbiking pillion passenger (on road only) see Motorbiking
  • Mountain biking;(on road) (see cycling)
  • Mountain biking - downhill (using downhill trails and/or mechanical lifts) (2) No Personal Liability Cover
  • Mountain biking general (off road/cross country) (1) No Personal Liability Cover
  • Mountaineering to 6000 metres (with ropes, picks or specialist climbing equipment)  (4) We recommend you do not venture into any area without taking local advice and appropriate rescue equipment.  See special exclusion (iii). No Personal Accident Cover. 

N

  • Netball (1)

O

  • Obstacle course/assault course/trim trail (see outdoor endurance)
  • Orienteering (1)
  • Outdoor endurance courses up to 3 miles (1)
  • Outdoor endurance courses up to 8 miles (3)
  • Outdoor endurance courses up to 13 miles (4)
  • Outrigger canoeing (inland or coastal waters only) (2)
  • Outward Bound (1) Special condition (a) applies

P

  • Paint balling/airsoft (1) Special condition (a) applies. No Personal Liability Cover
  • Parachuting (more than 1 jump) (4) Special condition (a) or (b) applies. No Personal Accident or Personal Liability Cover
  • Parachuting (one jump only) (1) Special condition (a) or (b) applies. No Personal Liability Cover
  • Paragliding/parapenting  (4) Special condition (a) or (b) applies. No Personal Accident or Personal Liability Cover
  • Parasailing/Parascending (4) Special condition (a) or (b) applies. No Personal Accident or Personal Liability Cover
  • Parasailing/Parascending (over water only) (1) Special condition (a) or (b) applies. No Personal Liability Cover

Q

  • Quad biking (1) Special condition (a) or (b) apples, a helmet must be worn. No Personal Accident or Personal Liability Cover

R

  • Racquetball (1)
  • Rambling. See hiking if above 3,000 metres (1)
  • Rifle range/sports shooting (1) Special condition (a) or (b) applies. No Personal Liability Cover Riverboarding/hydro speeding (grades 1-3) See also canoeing.(1) Special condition (a) applies Rock climbing (bouldering) (2) No Personal Accident Cover
  • Rock climbing (indoor) (1) No Soloing. No Personal Accident Cover
  • Rock climbing (outdoor/traditional/sport climbing/bolted/aid climbing/free climbing) see also mountaineering (2) No Soloing No Personal Accident Cover
  • Roller hockey (1)
  • Roller skating (1) No cover for stunting
  • Rollerblading (1) No cover for stunting
  • Rounders (1)
  • Rowing/sculling (inland/coastal waters) (1) No white water. No Personal Liability Cover
  • Rugby (League/Union) (2) No Personal Accident or Personal Liability Cover
  • Running (up to marathon distance) (2)
  • Running / jogging (half marathon distance or less)(1)

S

  • Safari tours (1) Special condition (a) applies. No cover for handling or work with dangerous animals including big cats, crocodiles, alligators, hippopotamuses, snakes elephants or bears
  • Sail boarding (see wind surfing)
  • Sailing (inland/coastal waters) (1) Special condition (a) or (b) applies  No Personal Liability Cover
  • Sailing (outside coastal waters) (2) Special condition (a) or (b) and  special condition( c) applies. No Personal Liability Cover
  • Sandboarding/sand skiing (1)
  • Scuba diving (to 30 metres) (1) Special condition (e) applies. See Special Exclusion (ii).
  • Scuba diving (to 50 metres) (3) Special condition (e) applies. See Special Exclusion (ii).No Personal Accident cover
  • Scuba diving (unqualified/learn to dive course/discover dive with qualified instructor) (1) Special condition (a) applies see Special Exclusion (ii).No Personal Accident cover
  • Sculling (see rowing)
  • Sea kayaking/ Sea canoeing (see kayaking)
  • Segway tours (1) Special condition(a)applies.A helmet must be worn. No Personal Accident or Personal Liability Cover
  • Shark cage diving (see scuba diving) Skateboarding (ramp, half pipe, skate park, street) (1)
  • Skiing (cross country/Nordic skiing on marked trails) (3) Special condition (d) applies See special exclusion (i).
  • Skiing (snowblading) (3) Special condition (d) applies. See special exclusion (i).
  • Skiing / snowboarding  (3) Special condition (d) applies. See special exclusion (i).
  • Skiing / snowboarding (backcountry/outside of resort boundary/alpine ski touring) (4) Special condition (d) applies.See special exclusion (i). No Personal Accident Cover
  • Skiing / snowboarding (by helicopter/snow cat) (4) Special condition (d) applies See special exclusion (i). No Personal Accident Cover
  • Skiing / snowboarding (dry slope) (3) Special condition (d) applies. See special exclusion (i).
  • Skiing / snowboarding (terrain park within resort) (4) See Special Exclusion (i). No Personal Accident cover
  • Skydiving/Tandem skydiving  (over 1 jump) (4) Special condition (a) or (b) applies.No Personal Accident or Personal Liability Cover
  • Skydiving/Tandem skydiving (one jump only) (1) No Personal Accident or Personal Liability Cover Sledding/Tobogganing/Snow Sleds/Snow Sleighs (on snow) (3) No Personal Accident or Personal Liability Cover
  • Sleigh rides (horse drawn) (1)
  • Snooker (1)
  • Snorkelling (1)
  • Snow biking  (on piste or off piste within resort boundaries) (3) See special exclusion (i). No Personal Accident Cover
  • Snow kiting (4) Special condition (a) applies. No Personal Accident or Personal Liability Cover Snow rafting (4) Special condition (a) applies. No Personal Accident or Personal Liability Cover Snowmobiling (3) Remote areas, racing, time trials and endurance events are excluded.  No Personal Accident or Personal Liability Cover
  • Soccer (1)
  • Softball (1)
  • Spearfishing (2) No Personal Liability Cover
  • Speed boating (inland/coastal waters only) (1) Special condition (a) or (b) applies.No white water cover. No Personal Liability Cover
  • Spelunking (see caving)
  • Squash/Racquet ball (1)
  • Stand up paddle surfing/paddle boarding (1)
  • Stilt walking (1)
  • Stoolball (1)
  • Surf boat rowing (1)
  • Surfing (1)
  • Swimming (pool; enclosed, inland or coastal waters only) (1)
  • Swimming with whales/whale sharks (inside or outside coastal waters) (1) Special condition (a) applies

T

  • Table tennis (1)
  • Tandem skydiving (see skydiving)
  • Tchoukball (1)
  • Ten pin bowling (see bowling)
  • Tennis (1)
  • Theme parks / fairgrounds (1) Special condition (a) applies
  • Tough Mudder (see outdoor endurance)
  • Trail bike riding (see motorbiking)
  • Tramping (see hiking)
  • Trampolining (1)
  • Trapeze/Hire Wire (3) Special condition (a) applies. No Personal Accident Cover
  • Trekking (see hiking)
  • Triathlon up to full distance(4)
  • Triathlon up to Middle Distance (2)
  • Triathlon up to sprint distance (1)
  • Tubing on rivers (see also black water rafting) (1) Special condition (a) applies No Personal Accident Cover
  • Tubing on snow (4) No Personal Accident or Personal Liability Cover
  • TukTuk (as a passenger) (1) Special condition (a) applies

U

  • Ultimate frisbee (1)

V

  • Via ferrata (2)
  • Volleyball (1)

W

  • Wake skating (1)
  • Wakeboarding  (1)
  • Wakeboarding (excluding jumps) - see water skiing
  • Walking (see hiking, trekking)
  • War games (online gaming) (1)
  • War games/military simulation (see Paint balling/airsoft OR Rifle range/sports shooting)
  • Water polo (1)
  • Water skiing (barefoot) (2) No Personal Liability Cover
  • Water skiing/wakeboarding  (1) Special condition (a) or (b) applies. No jumping, No Personal Liability Cover
  • Weight training (see also gym training) (1) Excludes powerlifting
  • White water kayaking/canoeing (see kayaking/canoeing)
  • White water rafting (grades 1-5) (1) Special condition (a) applies         
  • Windsurfing (inland or coastal waters only) (1) No Personal Liability Cover
  • Working - Any professional, clerical or administrative work, working as a classroom teacher, classroom assistant, au pair, nanny or child minder.(1) No Personal Liability Cover
  • Working - retail, bar or hospitality work involving light duties only.(1) No Personal Liability Cover
  • Working - general work and manual work not involving the use of mechanical or industrial machinery at a height not exceeding 2 metres above ground level. (2) No Personal Liability Cover

Y

  • Yachting (see sailing)
  • Yoga (class, alone/home practice) 1

Z

  • Zip line (1) Special condition (a) applies
  • Zorbing (2) Special condition (a) applies. No Personal Accident or Personal Liability Cover

Special Conditions

(a) You must be with a professional, qualified and licensed guide, instructor or operator.
(b) You must have the appropriate certification or licence to do this sport or activity at home. If operating a motor vehicle the driver must have the appropriate valid UK licence for the machine
(c) within 60 miles of a safe haven (a protected body of water used by marine craft for refuge from storms or heavy seas
(d) Conventional skiing / snowboarding only. It is not a condition of cover that you ski or board with a guide, however, you must follow the International Ski Federation code or the resort regulations and we recommend that you donot venture into back country areas without taking local advice and appropriate rescue equipment
(e) You must hold a British Sub Aqua Club certificate or Professional Association of Diving Instructors certificate or equivalent and follow the relevant Club or Association rules and guidelines at all times, or you must only dive under the constant supervision of a properly licensed diving school and follow their rules and instructions at all times. You must act in a reasonable way and use all recommended safety equipment and protective clothing that is necessary and undergo any required training.

Special Exclusions

(i)No cover for any competition, free-style skiing / snowboarding, ski/ snowboard jumping, ski-flying, ski / snowboard acrobatics, ski / snowboard stunting, or ski racing or national squad training, the use of skeletons.
(ii)No cover for any unaccompanied dive, any dive in overhead environments, or any dive for gain or reward.
(iii)No cover for free mountaineering, climbing in remote or inaccessible regions, exploratory expeditions and new routes, high altitude climbing over 6,000 metres.

Cover also does not apply if you are:
1. taking part in activities at a professional level.
2. competing at international events as a national representative.
3. participating in hazardous activities or extreme pursuits other than as listed,
4. racing or participating in speed or time trials.
5. motorbike touring or where a motorbike is the main mode of transport;
6. base jumping, cliff diving, martial arts competitions, potholing and caving, motor sports, stunt flying / aerobatics
7. taking part in mountaineering expeditions or expeditions to the Arctic or Antarctic,
8. taking part in dangerous expeditions or the crewing of a vessel more than 60 miles from a safe haven; 9. work with mechanical or industrial machinery;
10. work at a height above 2 metres
11. work offshore or underground
12. work as a ski, snowboard or diving instructor or guide;
13. work as a guide where ropes or other specialist climbing equipment is required or where you go underground or in caves;
14. work with dangerous animals including big cats, crocodiles, alligators, sharks, hippopotamuses, snakes, elephants or bears;
15. work involving dangerous or extreme pursuits;
16. anything listed in the General Exclusions in the Policy Wording.
 

For policies purchased before 1 Nov 2018, your World Nomads policy is backed by Millstream:

We like to think we know most adventures World Nomads love. If a sport or activity is not listed it may have slipped by us or it may not be covered. Check with us if you’re not sure.

Each activity listed has a level of cover. When you choose your activities, you will be covered for all activities at that level and all activities in the levels below.

  1. (1) Level 1
  2. (2) Level 2
  3. (3) Level 3
  4. (4) Level 4

A
  • Abseiling (rappelling, rapping, rap jumping, deepelling, abbing) (1) See also climbing and mountaineering. Special condition (a) applies. No Personal Accident Cover
  • Acrobatics (see gymnastics or trapeze)
  • Aerial safari (1) Special condition (a) applies. No Personal Accident Cover
  • Aerobics (1)
  • Air guitar (1)
  • American football (Gridiron) (3) No Personal Accident or Personal Liability Cover
  • Angling (see fishing)
  • Athletics (1)
  • Australian Rules Football (AFL)  (2) No Personal Accident Cover

B
  • Backpacking (see hiking)
  • Badminton (1)
  • Ballet (1)
  • Banana boat rides (1) Special condition (a) applies
  • Baseball (1)
  • Basketball (1)
  • Bicycle polo (2) (see cycling, mountain biking or snow biking)
  • Black water rafting (cave tubing) (grades 1-5)  (1) Special condition (a) applies. No Personal Accident Cover
  • Boating (inland and coastal waters) see also speed boating and sailing (1) Special condition (a) or (b) applies, No white water cover. No Personal Liability Cover
  • Boating (outside coastal waters) see also speed boating, and sailing (2) Special condition (a) or (b) and (c) applies. No Personal Accident or Personal Liability Cover
  • Bobsled/Bobsleigh (4) Special condition (a) applies No Personal Accident or Personal Liability Cover
  • Bouldering (see rock climbing)
  • Bowling (lawn, ten-pin, nine-pin, candlepin, duckpin and five-pin bowling, bowls, pétanque & boules)(1)
  • Boxing (gym or outdoor training) no competition or bouts (2)
  • Bungee/bungy jumping (1) Special condition (a) applies
  • Bushcraft (see hiking)
  • Bushwalking (see hiking)
C
  • Camel riding (day tour) (1) Special condition (a) applies No Personal Liability Cover
  • Camel trekking (overnight/main mode of transport) (2) No Personal Liability Cover
  • Camping up to 3,000 metres (see also hiking, mountaineering and expeditions) (1)
  • Camping up to 4,500 metres (see also hiking, and mountaineering) (2)
  • Camping up to 6,000 metres (see also hiking and mountaineering) (3)
  • Canoeing (grades 1-3) (see kayaking)
  • Canyon swing (2) Special condition (a) applies
  • Canyoning (3) No Personal Accident Cover
  • Capoeira dancing (see dance)
  • Caving (sightseeing/tourist attraction) (1) Recreational visit only.
  • Cheerleading (1)
  • Clay pigeon shooting (1) Special condition (a) or (b) applies. No Personal Liability Cover
  • Climbing (see rock climbing or ice climbing)
  • Cricket (1)
  • Croquet (1)
  • Cruising (cruise ship) (1)
  • Curling (1)
  • Cycle racing / time trial  (2) No Personal Liability Cover
  • Cycling (incidental to the trip) (1) No Personal Liability Cover
  • Cycling (independent cycle touring) (2) No Intercontinental touring. No Personal Liability cover Cycling (on an organised tour) (1) Special condition (a) applies. No Intercontinental touring. No Personal Liability cover
D
  • Dance (ballet, ballroom, capoeira, salsa, interpretive dance) (1)
  • Darts (1)
  • Dirt boarding (2) No Personal Liability Cover
  • Diving (see free diving, cliff diving or scuba diving)
  • Dodge ball (1)
  • Dogsledding (on recognised trails) (1) Special condition (a) applies.Remote areas, racing, time trials and endurance events
  • Dragon boating (inland or coastal waters only) (1)
  • Dune buggy (1) Special condition (a) or (b) applies.No Personal Liability Cover

E
  • Elephant riding (1) Special condition (a) applies
  • Elephant trekking (overnight/main mode of transport) (2)  No Personal Liability Cover

F
  • Fell running/walking (see hiking)
  • Fencing (1) No Personal Liability Cover
  • Fishing (ice) (1) Special condition (a) or (b) applies
  • Fishing (inland or coastal waters) (1) Sports / leisure fishing only - no commercial or rock fishing Fishing (outside coastal waters, deep sea fishing) (2) Special condition (a) or (b), and condition ( c) applies. Sports / leisure fishing only - no commercial
  • Fitness training (1)
  • Floorball (1)
  • Fly by wire (2) Special condition (a) applies
  • Flying (as a fare paying passenger in a licensed scheduled or chartered aircraft or helicopter) (1) Special condition (a) applies
  • Flying (as a passenger in a glider or ultralight) (4) No Stunt flying/aerobatics or commercial flying. No Personal Accident Cover
  • Flying (as a pilot or passenger of a private light aircraft) (4)  No Stunt flying/aerobatics or commercial flying. No Personal Accident or Personal liability Cover
  • Flying (Gliding) (4) Special condition (a) or (b) applies No Personal Accident or Personal Liability Cover
  • Football (Soccer) including 5 a side (1)
  • Frisbee (1)
G
  • Glacier walking (ice walking) (1) Special condition (a) applies
  • Go karting (1) Special condition (a) applies No Personal Liability Cover
  • Golf (1)
  • Gym training (aerobics, spinning, zumba, body pump, weight training, cross training, crossfit) (See also boxing and martial arts) (1)
  • Gymnastics (also see acrobatics) (1)

H
  • Handball (1)
  • Hang gliding (4) Special condition (a) applies No Personal Accident or Personal Liability Cover
  • High diving up to 10 metres (excluding cliff diving) (1)
  • Hiking up to 3,000 metres (scrambling, hillwalking) - see also mountaineering (1) No cover where ropes, picks or other specialist climbing equipment is required
  • Hiking up to 4,500 metres (scrambling) on recognised routes) - see also mountaineering (2)No cover where ropes, picks or other specialist climbing equipment is required
  • Hiking up to 6,000 metres (scrambling) on recognised routes - see also mountaineering (3) No cover where ropes, picks or other specialist climbing equipment is required
  • Hockey (1)
  • Horse riding (equestrian, dressage, show jumping, eventing) (3) No Personal Accident or Personal Liability Cover
  • Horse riding (leisure/social/non-competitive riding) (1) No Racing, jumping or competitions.No Personal liability Cover
  • Hot air ballooning (ballooning) (1) Special condition (a) applies No Personal Liability Cover
  • Hunting (excluding Big Game) (1) Special condition (a) or (b) applies). No Cover for Big Game Hunting.No Personal liability Cover
  • Hydrofoiling (see water skiing)
I
  • Ice climbing (see mountaineering)
  • Ice hockey (indoor) 4 No Personal Accident or Personal Liability Cover
  • Ice skating (indoor) (1)
  • Ice skating (outdoor) on a commercially managed rink (1)  Special condition (a) applies
  • In-line skating (1)

J
  • Jet boating (inland/coastal waters only) (1) Special condition (a) or (b) applies No Personal Liability Cover
  • Jetskiing  (inland/coastal waters, grades 1-2 only) (1) Special condition (a) or (b) applies.No Personal Liability Cover
K
  • Kayaking/Canoeing  (inland/coastal waters,  grades 1-3 only, sea kayaking/sea canoeing) (1)
  • Kite boarding (on land or water) (1)
  • Kite buggy (2) No Personal Liability Cover
  • Kite flying (1)
  • Kite surfing (1)
  • Kite wing (land, water) (2) No Personal Liability Cover
  • Kite wing (snow) (4) No Personal Accident or Personal Liability Cover
  • Korfball (1)
L
  • Lacrosse (1)
  • Land surfing (2) No Personal Liability Cover
M
  • Martial arts (Judo & Karate only) no competition or bouts (2) Special condition (a) applies,non-competitive only .No Personal Accident or Personal Liability Cover
  • Martial arts training (non-contact) (1)
  • Moped riding/scooter biking (1) Special condition (b) applies, a helmet must be worn. No Touring or where a motorbike is the main mode of transport. No Personal Liability Cover
  • Motor racing experience (passenger only) (1)Special condition (a) applies
  • Motor biking (on road over 125cc) (2) Special condition (b) and  a helmet must be worn. No Touring or where a motorbike is the main mode of transport. No Personal Liability Cover
  • Motor biking (on road under 125cc) (1) Special condition (b) and  a helmet must be worn .No Touring or where a motorbike is the main mode of transport. No Personal Liability Cover
  • Motor biking / trail biking  ( off-road 125cc or over) (4) Special condition (b) and  a helmet must be worn. No Touring or where a motorbike is the main mode of transport. No Personal Liability Cover
  • Motor biking / trail biking  ( off-road under 125cc) (3) Special condition (b) and  a helmet must be worn. No Touring or where a motorbike is the main mode of transport. No Personal Liability Cover
  • Motorbiking pillion passenger (on road only) see Motorbiking
  • Mountain biking;(on road) (see cycling)
  • Mountain biking - downhill (using downhill trails and/or mechanical lifts) (2) No Personal Liability Cover
  • Mountain biking general (off road/cross country) (1) No Personal Liability Cover
  • Mountaineering to 6000 metres (with ropes, picks or specialist climbing equipment)  (4) We recommend you do not venture into any area without taking local advice and appropriate rescue equipment.  See special exclusion (iii). No Personal Accident Cover. 

  • Netball (1)
O
  • Obstacle course/assault course/trim trail (see outdoor endurance)
  • Orienteering (1)
  • Outdoor endurance courses up to 3 miles (1)
  • Outdoor endurance courses up to 8 miles (3)
  • Outdoor endurance courses up to 13 miles (4)
  • Outrigger canoeing (inland or coastal waters only) (2)
  • Outward Bound (1) Special condition (a) applies

P
  • Paint balling/airsoft (1)Special condition (a) applies. No Personal Liability Cover
  • Parachuting (more than 1 jump) (4) Special condition (a) or (b) applies. No Personal Accident or Personal Liability Cover
  • Parachuting (one jump only) (1) Special condition (a) or (b) applies. No Personal Liability Cover
  • Paragliding/parapenting  (4) Special condition (a) or (b) applies. No Personal Accident or Personal Liability Cover
  • Parasailing/Parascending (4) Special condition (a) or (b) applies. No Personal Accident or Personal Liability Cover
  • Parasailing/Parascending (over water only) (1) Special condition (a) or (b) applies. No Personal Liability Cover

Q
  • Quad biking (1) Special condition (a) or (b) apples, a helmet must be worn. No Personal Accident or Personal Liability Cover

R
  • Racquetball (1)
  • Rambling. See hiking if above 3,000 metres (1)
  • Rifle range/sports shooting (1) Special condition (a) or (b) applies. No Personal Liability Cover Riverboarding/hydro speeding (grades 1-3) See also canoeing.(1) Special condition (a) applies Rock climbing (bouldering) (2) No Personal Accident Cover
  • Rock climbing (indoor) (1) No Soloing. No Personal Accident Cover
  • Rock climbing (outdoor/traditional/sport climbing/bolted/aid climbing/free climbing) see also mountaineering (2) No Soloing No Personal Accident Cover
  • Roller hockey (1)
  • Roller skating (1) No cover for stunting
  • Rollerblading (1) No cover for stunting
  • Rounders (1)
  • Rowing/sculling (inland/coastal waters) (1) No white water. No Personal Liability Cover
  • Rugby (League/Union) (2) No Personal Accident or Personal Liability Cover
  • Running (up to marathon distance) (2)
  • Running / jogging (half marathon distance or less)(1)
S
  • Safari tours (1) Special condition (a) applies. No cover for handling or work with dangerous animals including big cats, crocodiles, alligators, hippopotamuses, snakes elephants or bears
  • Sail boarding (see wind surfing)
  • Sailing (inland/coastal waters) (1) Special condition (a) or (b) applies  No Personal Liability Cover
  • Sailing (outside coastal waters) (2) Special condition (a) or (b) and  special condition( c) applies. No Personal Liability Cover
  • Sandboarding/sand skiing (1)
  • Scuba diving (to 30 metres) (1) Special condition (e) applies. See Special Exclusion (ii).
  • Scuba diving (to 50 metres) (3) Special condition (e) applies. See Special Exclusion (ii).No Personal Accident cover
  • Scuba diving (unqualified/learn to dive course/discover dive with qualified instructor) (1) Special condition (a) applies see Special Exclusion (ii).No Personal Accident cover
  • Sculling (see rowing)
  • Sea kayaking/ Sea canoeing (see kayaking)
  • Segway tours (1) Special condition(a)applies.A helmet must be worn. No Personal Accident or Personal Liability Cover
  • Shark cage diving (see scuba diving) Skateboarding (ramp, half pipe, skate park, street) (1)
  • Skiing (cross country/Nordic skiing on marked trails) (3) Special condition (d) applies See special exclusion (i).
  • Skiing (snowblading) (3) Special condition (d) applies. See special exclusion (i).
  • Skiing / snowboarding  (3) Special condition (d) applies. See special exclusion (i).
  • Skiing / snowboarding (backcountry/outside of resort boundary/alpine ski touring) (4) Special condition (d) applies.See special exclusion (i). No Personal Accident Cover
  • Skiing / snowboarding (by helicopter/snow cat) (4) Special condition (d) applies See special exclusion (i). No Personal Accident Cover
  • Skiing / snowboarding (dry slope) (3) Special condition (d) applies. See special exclusion (i).
  • Skiing / snowboarding (terrain park within resort) (4) See Special Exclusion (i). No Personal Accident cover
  • Skydiving/Tandem skydiving  (over 1 jump) (4) Special condition (a) or (b) applies.No Personal Accident or Personal Liability Cover
  • Skydiving/Tandem skydiving (one jump only) (1) No Personal Accident or Personal Liability Cover Sledding/Tobogganing/Snow Sleds/Snow Sleighs (on snow) (3) No Personal Accident or Personal Liability Cover
  • Sleigh rides (horse drawn) (1)
  • Snooker (1)
  • Snorkelling (1)
  • Snow biking  (on piste or off piste within resort boundaries) (3) See special exclusion (i). No Personal Accident Cover
  • Snow kiting (4) Special condition (a) applies. No Personal Accident or Personal Liability Cover Snow rafting (4) Special condition (a) applies. No Personal Accident or Personal Liability Cover Snowmobiling (3) Remote areas, racing, time trials and endurance events are excluded.  No Personal Accident or Personal Liability Cover
  • Soccer (1)
  • Softball (1)
  • Spearfishing (2) No Personal Liability Cover
  • Speed boating (inland/coastal waters only) (1) Special condition (a) or (b) applies.No white water cover. No Personal Liability Cover
  • Spelunking (see caving)
  • Squash/Racquet ball (1)
  • Stand up paddle surfing/paddle boarding (1)
  • Stilt walking (1)
  • Stoolball (1)
  • Surf boat rowing (1)
  • Surfing (1)
  • Swimming (pool; enclosed, inland or coastal waters only) (1)
  • Swimming with whales/whale sharks (inside or outside coastal waters) (1) Special condition (a) applies

T
  • Table tennis (1)
  • Tandem skydiving (see skydiving)
  • Tchoukball (1)
  • Ten pin bowling (see bowling)
  • Tennis (1)
  • Theme parks / fairgrounds (1) Special condition (a) applies
  • Tough Mudder (see outdoor endurance)
  • Trail bike riding (see motorbiking)
  • Tramping (see hiking)
  • Trampolining (1)
  • Trapeze/Hire Wire (3) Special condition (a) applies. No Personal Accident Cover
  • Trekking (see hiking)
  • Triathlon up to full distance(4)
  • Triathlon up to Middle Distance (2)
  • Triathlon up to sprint distance (1)
  • Tubing on rivers (see also black water rafting) (1) Special condition (a) applies No Personal Accident Cover
  • Tubing on snow (4) No Personal Accident or Personal Liability Cover
  • TukTuk (as a passenger) (1) Special condition (a) applies
U
  • Ultimate Frisbee (1)
V
  • Via Ferrata (2)
  • Volleyball (1)
W
  • Wake skating (1)
  • Wakeboarding  (1)
  • Wakeboarding (excluding jumps) - see water skiing
  • Walking (see hiking, trekking)
  • War games (online gaming) (1)
  • War games/military simulation (see Paint balling/airsoft OR Rifle range/sports shooting)
  • Water polo (1)
  • Water skiing (barefoot) (2) No Personal Liability Cover
  • Water skiing/wakeboarding  (1) Special condition (a) or (b) applies. No jumping, No Personal Liability Cover
  • Weight training (see also gym training) (1) Excludes powerlifting
  • White water kayaking/canoeing (see kayaking/canoeing)
  • White water rafting (grades 1-5) (1) Special condition (a) applies         
  • Windsurfing (inland or coastal waters only) (1) No Personal Liability Cover
  • Working - Any professional, clerical or administrative work, working as a classroom teacher, classroom assistant, au pair, nanny or child minder.(1) No Personal Liability Cover
  • Working - retail, bar or hospitality work involving light duties only.(1) No Personal Liability Cover
  • Working - general work and manual work not involving the use of mechanical or industrial machinery at a height not exceeding 2 metres above ground level. (2) No Personal Liability Cover

Y
  • Yachting (see sailing) Yoga (class, alone/home practice) 1
Z
  • Zip line (1) Special condition (a) applies Zorbing (2) Special condition (a) applies. No Personal Accident or Personal Liability Cover

Special Conditions

(a) You must be with a professional, qualified and licensed guide, instructor or operator.

(b) You must have the appropriate certification or licence to do this sport or activity at home. If operating a motor vehicle the driver must have the appropriate valid UK licence for the machine

(c) within 60 miles of a safe haven (a protected body of water used by marine craft for refuge from storms or heavy seas

(d) Conventional skiing / snowboarding only.  It  is not a condition of cover that you ski or board with a guide, however, you must follow the International Ski Federation code or the resort regulations and we recommend that you donot venture into back country areas without taking local advice and appropriate rescue equipment

(e) You must hold a British Sub Aqua Club certificate or Professional Association of Diving Instructors certificate or equivalent and follow the relevant Club or Association rules and guidelines at all times, or you must only dive under the constant supervision of a properly licensed diving school and follow their rules and instructions at all times.

You must act in a reasonable way and use all recommended safety equipment and protective clothing that is necessary and undergo any required training.

Special Exclusions

(i)No cover for any competition, free-style skiing / snowboarding, ski/ snowboard jumping, ski-flying, ski / snowboard acrobatics, ski / snowboard stunting, or ski racing or national squad training, the use of skeletons.

(ii)No cover for any unaccompanied dive, any dive in overhead environments, or any dive for gain or reward.

(iii)No cover for free mountaineering, climbing in remote or inaccessible regions, exploratory expeditions and new routes, high altitude climbing over 6,000 metres.
 

Cover also does not apply if you are:

  1. taking part in activities at a professional level.
  2. competing at international events as a national representative.
  3. participating in hazardous activities or extreme pursuits other than as listed,
  4. racing or participating in speed or time trials.
  5. motorbike touring or where a motorbike is the main mode of transport;
  6. base jumping, cliff diving, martial arts competitions, potholing and caving, motor sports, stunt flying / aerobatics
  7. taking part in mountaineering expeditions or expeditions to the Arctic or Antarctic,
  8. taking part in dangerous expeditions or the crewing of a vessel more than 60 miles from a safe haven;
  9. work with mechanical or industrial machinery;
  10. work at a height above 2 metres
  11. work offshore or underground
  12. work as a ski, snowboard or diving instructor or guide;
  13. work as a guide where ropes or other specialist climbing equipment is required or where you go underground or in caves;
  14. work with dangerous animals including big cats, crocodiles, alligators, sharks, hippopotamuses, snakes, elephants or bears;
  15. work involving dangerous or extreme pursuits;
  16. anything listed in the General Exclusions in the Policy Wording.

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Last Updated: Mar 08, 2019 01:51PM AEDT