We offer cover for a large number of sports and hazardous activities. To check whether any activity is covered at normal rates, requires an additional premium or is excluded from cover, please use the table below.

If you require cover for an activity which requires an additional premium please telephone us on 0845 605 2700 or email us hazards@direct-travel.co.uk detailing your destination, duration of stay and activity to be covered.

Hazardous Activity	Cover
Abseiling (when adequately supervised) - see note 1	Normal Rates
American Football	Subject to additional premium
Archery - see note 1	Normal Rates
Badminton	Normal Rates
Bamboo Rafting (up to grade 2 rivers with adequate safety equipment)	Normal Rates
Banana Boating	Normal Rates
Base Jumping	NO COVER
Baseball	Normal Rates
Basketball	Normal Rates
Beach Games	Normal Rates
Big Foot Skiing	Included if Winter Sports Cover
Big Game Hunting	NO COVER
Black Water Rafting (life jacket and helmet must be worn)	Subject to Additional Premium
Blow Carting - see note 1	Normal Rates
BMX Riding - Stunt/Obstacle	NO COVER
Bobsleigh/Luging	NO COVER
Bouldering (using crash pads where appropriate)	Normal Rates
Bowls	Normal Rates
Boxing	NO COVER
Bungee Jumping (when adequately supervised)	Normal Rates
Camel Riding - see note 1	Normal Rates
Canoeing (grade 3 rivers)	Subject to Additional Premium
Canoeing (up to grade 2 rivers only)	Normal Rates
Canyoning (life jacket and helmet must be worn)	Subject to Additional Premium
Cat Skiing	Included if Winter Sports Cover
Catamaran - see note 1	Normal Rates
Cave Diving	NO COVER
Cave Tubbing	Subject to Additional Premium
Caving/Pot holing	Subject to Additional Premium
Charity work (educational/enviromental)	Please click here
Clay Pigeon Shoot - see note 1	Normal Rates
Climbing (on a climbing wall only)	Normal Rates
Conservation work (educational/enviromental)	Please click here
Cricket	Normal Rates
Cross-Country Skiing	Included if Winter Sports Cover
Curling	Included if Winter Sports Cover
Cycling - see note 1	Normal Rates
Cycling racing (non-prossional) - see note 1	Subject to Additional Premium
Deep Sea Fishing	Normal Rates
Dinghy Sailing - see note 1	Normal Rates
Dragon Boat Racing (non professional)	Normal Rates
Dry Slope Skiing	Subject to Additional Premium
Elephant Riding/ Trekking (professionally organised, with experienced handlers)	Normal Rates
Expeditions	NO COVER
Fell Running	Normal Rates
Fell Walking	Normal Rates
Fencing - see note 1	Subject to Additional Premium
Fishing	Normal Rates
Flying in aircraft (as a fare-paying passenger)	Normal Rates
Flying in aircraft (as a non-fare-paying passenger, pilot or trainee pilot)	Subject to Additional Premium
Football American	Subject to Additional Premium
Football Rugby	Subject to Additional Premium
Football Soccer	Subject to Additional Premium
Football Soccer (incidental, leisure and non-competitive)	Normal Rates
Free Mountaineering	NO COVER
Freestyle Skiing	NO COVER
Glacier Skiing	Included if Winter Sports Cover
Glacier Walking	Included if Winter Sports Cover
Glass Bottom Boats/Bubbles	Normal Rates
Gliding (as a passenger only)	Normal Rates
Go Karting (when adequately supervised) - see note 1	Normal Rates
Golf	Normal Rates
Gorilla Trekking (organised)	Normal Rates
Gymnastics	Normal Rates
Hang Gliding	Subject to Additional Premium
Heli-Skiing	Included if Winter Sports Cover
Heptathlon	Normal Rates
High Level Walking	Normal Rates
High Diving - over 5 meters	NO COVER
Hiking/Treking/Walking	Normal Rates
Hockey	Subject to Additional Premium
Hockey (incidental, leisure and non-competitive)	Normal Rates
Horse Riding in competitions (non-professional) - see note 1	Subject to Additional Premium
Horse Riding/Trekking/Hacking (non-competitive)	Normal Rates
Hot Air Ballooning (organised pleasure rides)	Normal Rates
Hunting (Fox/Drag)	NO COVER
Husky Dog Sledding (organised, non-competitive with experienced local driver)	Included if Winter Sports Cover
Hydro Zorbing	Normal Rates
Hydrospeeding	Normal Rates
Ice Diving (must be with a qualified instructor at all times)	Included if Winter Sports Cover
Ice Hockey	Included if Winter Sports Cover
Ice Skating	Included if Winter Sports Cover
Indoor Climbing (on climbing wall)	Normal Rates
Inline Skating (pads and helmet must be worn) - see note 1	Normal Rates
Javelin Throwing	Normal Rates
Jet Boating (no cover for racing) - see note 1	Normal Rates
Jet Skiing (no cover for racing) - see note 1	Normal Rates
Jogging	Normal Rates
Judo	NO COVER
Karate	NO COVER
Kayaking (grade 3 rivers)	Subject to Additional Premium
Kayaking (up to grade 2 rivers)	Normal Rates
Kite Boarding (winter sports)	Included if Winter Sports Cover
Kite Buggying - see note 1	Normal Rates
Kite Surfing (over land) - see note 1	Normal Rates
Kite Surfing (over water) - see note 1	Normal Rates
Kloofing	NO COVER
Lacrosse	Subject to Additional Premium
Luging/Bobsleigh	NO COVER
Manual Work	Please click here
Marathon Running	Normal Rates
Martial Arts	NO COVER
Micro Lighting	NO COVER
Mixed gas diving (nitrox/trimix to maximum depth of 50m)	Normal Rates SUBJECT TO QUALIFICATION
Mono Skiing	Included if Winter Sports Cover
Motor Cycling (with UK licence) - see note 1	Normal Rates
Motor Rallying	NO COVER
Mountain Biking (except downhill racing and vertical paths) - see note 1	Normal Rates
Mountain Boarding (protective clothing must be worn)	Normal Rates
Mountaineering	NO COVER
Muscular Endurance Test	NO COVER
Netball	Normal Rates
Nordic Skiing	Included if Winter Sports Cover
Off Piste Skiing/Snowboarding (within resort boundary)	Included if Winter Sports Cover
Off Piste Skiing/Snowboarding (outside resort boundary)	Please click here
Orienteering	Normal Rates
Paint Balling/War Games (eye protection must be worn) - see note 1	Normal Rates
Parachuting	NO COVER
Paragliding (must be tandemed with a qualified instructor at all times)	Subject to Additional Premium
Parapenting/Paraponting as a winter sports (must be tandemed with a qualified instructor at all times)	Included if Winter Sports Cover
Parapenting/Paraponting non-winter sports (must be tandemed with a qualified instructor at all times)	Subject to Additional Premium
Parasailing/Parasending (over water)	Normal Rates
Passenger Sledge	Normal Rates
Polo	Subject to Additional Premium
Pony Trekking	Normal Rates
Pot Holing/Caving	Subject to Additional Premium
Power Boating (non-competitive - no cover for damage to vessel) -see note 1	Normal Rates
Professional Sports	NO COVER
Quad Bikes - see note 1	Normal Rates
Racing not on foot (see also cycling, triathlon)	NO COVER
Racing on foot	Normal Rates
Rambling	Normal Rates
Rap Running/Jumping (within organisation's guidelines) - see note 1	Normal Rates
Raquetball	Normal Rates
Rifle Range - see note 1	Normal Rates
Ringos	Normal Rates
River Bugging	NO COVER
River Tubing	Normal Rates
Rock Climbing (Maximum grade HVS, organised and taking appropriate safety precautions including ropes)	Subject to Addtional Premium
Rock Scrambling (taking appropriate safety precautions)	Subject to Addtional Premium
Rodeo	NO COVER
Roller Skating/Blading (pads and helmets must be worn) - see note 1	Normal Rates
Rounders	Normal Rates
Rowing (except racing)	Normal Rates
Rugby (Union/League)	Subject to Additional Premium
Running	Normal Rates
Safari in a vehicle (must be with a guide)	Normal Rates
Safari on foot (must be with a guide)	Normal Rates
Sail Boarding/Windsurfing- see note 1	Normal Rates
Sailing - see note 1	Normal Rates
Sand Dune Surfing/Skiing	Subject to Additional Premium
Sand Yachting - see note 1	Normal Rates
Scuba Diving	Please click here
Sea Canoeing/Kayaking (within site of land)	Normal Rates
Shark Diving (in cage)	Subject to Additional Premium
Shooting (within organisations guidelines) - see note 1	Normal Rates
Skateboarding (pads and helmets must be worn)- see note 1	Normal Rates
Ski Acrobatics	NO COVER
Ski Biking	Included if Winter Sports Cover
Ski Flying	NO COVER
Ski Jumping	NO COVER
Ski Mountaineering - see glossary	NO COVER
Ski Racing (non FIS)	Included if Winter Sports Cover
Ski Run Walking (using ropes or crampons)	NO COVER
Ski Touring - see glossary	Included if Winter Sports Cover
Ski Yawing (non competitive) - see note 1	Included if Winter Sports Cover
Ski-Boarding/Snow Boarding	Included if Winter Sports Cover
Ski-Doos - see note 1	Included if Winter Sports Cover
Skiing	Included if Winter Sports Cover
Ski-Stunting	NO COVER
Sky Diving	NO COVER
Sledging pulled by Horse/Reindeer	Normal Rates
Sledging/Tobogganing	Included if Winter Sports Cover
Small Bore Target Shooting - see note 1	Normal Rates
Snorkeling	Normal Rates
Snow Carting - see note 1	Included if Winter Sports Cover
Snow Decking	Included if Winter Sports Cover
Snow Scooting- see note 1	Included if Winter Sports Cover
Snow Skating	Included if Winter Sports Cover
Snow Tubing	Included if Winter Sports Cover
Snow Blading	Included if Winter Sports Cover
Snow Boarding	Included if Winter Sports Cover
Snowcat Skiing	Included if Winter Sports Cover
Snow-Mobiling - see note 1	Included if Winter Sports Cover
Soccer	Subject to Additional Premium
Soft Ball	Normal Rates
Squash	Normal Rates
Street Hockey (pads and helmets must be worn)	Subject to Additional Premium
Summer Tobogganing	Subject to Additional Premium
Surfing - see note 1	Normal Rates
Swimming	Normal Rates
Sydney Harbour Bridge Walk (using ropes and strapped to a guide)	Normal Rates
Table Tennis	Normal Rates
Telemarking	Included if Winter Sports Cover
Tennis	Normal Rates
Tenpin Bowling	Normal Rates
Tobogganing/Sledging	Included if Winter Sports Cover
Tree Top Canopy Walking (with adequate safety measures in place)	Normal Rates
Trekking/Walking/Hiking/High Level Walking	Normal Rates
Triathlon (non-professional)	Subject to Additional Premium
Tubing	Included if Winter Sports Cover
Tug of War	Normal Rates
Via ferrate	Normal Rates
Volleyball	Normal Rates
Wakeboarding - see note 1	Normal Rates
War Games (eye protection must be worn) - see note 1	Normal Rates
Water Polo	Normal Rates
Water Ski Jumping	NO COVER
Water-Skiing - see note 1	Normal Rates
Weight Lifting	NO COVER
White Water Canoeing	NO COVER
White Water Rafting (when adequately supervised and with appropriate saftey measures)	Normal Rates
Windsurfing- see note 1	Normal Rates
Wrestling	NO COVER
Yachting - see note 1	Normal Rates
Zorbing (non-winter sports)	Normal Rates
Zorbing (winter sports)	Included if Winter Sports Cover

Note:

1. No cover exists for Personal Liability whilst participating in this activity.

Glossary

Big foot skiing or snowblading is skiing on short skis called 'Big foot'. They carry as much risk as normal skiing.

Ski Mountaineering - ascending mountain summits, cols and glacier crossings where the itinerary requires crampons, ice axes and harnesses.

Ski Touring - Ski touring or Ski Safari not amounting to ski mountaineering as defined above.

Black water rafting takes place in under ground streams in the dark. Participants wear wet suits fitted with inflated inner tubes then shoot rapids in fast-flowing rivers in inflatable dinghies. This is also known as Cave tubbing.

Canyoning is travelling down rivers, waterfalls and canyons wearing a life jacket.

Cave Tubbing takes place in under ground streams in the dark. Participants wear wet suits fitted with inflated inner tubes then shoot rapids in fast-flowing rivers in inflatable dinghies. This is also known as Black water rafting.

Caving - exploring caves and small pot holes, often under water. Also known as Pot holing.

Expeditions - planned journey for specific and/or scientific purposes in remote, hazardous or polar regions.

Heli skiing - skiers are taken by a helicopter to unmarked powder runs in remote areas.

Jet Boating - an organised jet boat ride over high grade rapids; driven by an expert driver seemingly out of control.

Kite Surfing - using the power of a kite to surf on water.

Parapenting/Paragliding - jumping from a cliff attached to an open parachute and gliding and floating to the ground. A cross between hang gliding and parachuting.

Pot holing - exploring caves and small pot holes, often under water. Also known as Caving.

Rap Jumping - abseiling facing forwards.

Ringos - sitting in an inflatable ring being pulled behind a boat.

River Bugging - a cross between canyoning and the water park lazy river.

Snow Blading or Big Foot Skiing is skiing on short skis called 'Big foot'. They carry as much risk as normal skiing.

Zorbing - travelling down a hillside inside an inflatable plastic ball.