Click here for a travel insurance quotation.
We offer cover for a wide range of sports and activities.
Below is a comprehensive list of activities and sports that shows which are included, which require an additional premium and which are excluded from cover. This is not an exhaustive list and should the activity or sport you intend to undertake during your insured trip not be listed, or if you require cover for an activity that carries an additional premium, please call us on0845 605 2700, or email us at hazards@direct-travel.co.uk. We'll need to know your destination, trip duration and the activity you would like covered.
If you require cover for working abroad, please click here
Personal Liability cover is offered for some activities which provides for costs you are legally liable for if you accidently injure someone else or damage their property.
If you purchase a policy to cover you while you are participating in an activity marked with an asterisk, your excess under section B1 (Medical and other expenses outside of the United Kingdom) will be increased to £250 and there will be no cover under Section G (Personal accident) and section H (Personal liability) whilst taking part in the activity.
| Activity | Cover | Personal Liability Cover | Personal Accident Cover | |
|---|---|---|---|---|
| Abseiling | Additional Premium required - please call us to cover this | Yes | Yes | Top of page |
| Adventure racing* | Additional Premium required - please call us to cover this | NO | NO | |
| Aerobics | Included | Yes | Yes | |
| Air boarding | Winter Sports cover needed | Yes | Yes | |
| Airboating | Included | NO | Yes | |
| Alpine mountain biking* | Additional Premium required - please call us to cover this | NO | NO | |
| Amateur athletics | Additional Premium required - please call us to cover this | Yes | Yes | |
| American football* | Additional Premium required - please call us to cover this | NO | NO | |
| Angling | Included | Yes | Yes | |
| Archery | Included | Yes | Yes | |
| Assault courses | Additional Premium required - please call us to cover this | Yes | Yes | |
| Athletics - Track and field | Included | Yes | Yes | |
| Avalanche Training | NO COVER | N/A | N/A | |
| Aussie Rules Football | NO COVER | N/A | N/A | |
| Badminton | Included | Yes | Yes | Top of page |
| Bamboo rafting | Additional Premium required - please call us to cover this | Yes | Yes | |
| Banana boating | Included | Yes | Yes | |
| Bare foot water skiing | Included | Yes | Yes | |
| Base jumping | NO COVER | N/A | N/A | |
| Baseball | Included | Yes | Yes | |
| Basketball | Included | Yes | Yes | |
| Battle re-enactment | Additional Premium required - please call us to cover this | Yes | Yes | |
| Beach games | Included | Yes | Yes | |
| Biathlon | Included | Yes | Yes | |
| Big foot skiing - see glossary | Winter Sports cover needed | Yes | Yes | |
| Big game hunting | NO COVER | N/A | N/A | |
| Billiards | Included | Yes | Yes | |
| Black water rafting* - see glossary | Additional Premium required - please call us to cover this | NO | NO | |
| Blo Karting | Included | Yes | Yes | |
| BMX riding - stunt / obstacle* | Additional Premium required - please call us to cover this | NO | NO | |
| Boardsailing / windsurfing | Included | Yes | Yes | |
| Bobsleigh | NO COVER | N/A | N/A | |
| Body boarding / boogie boarding | Included | Yes | Yes | |
| Body flying / wind tunnel flying | Additional Premium required - please call us to cover this | Yes | Yes | |
| Bouldering* | Additional Premium required - please call us to cover this | NO | NO | |
| Bowling | Included | Yes | Yes | |
| Bowls | Included | Yes | Yes | |
| Boxing | NO COVER | N/A | N/A | |
| Breathing observation bubble diving (to 30 metres) | Included | Yes | Yes | |
| Bridge swinging* | Additional Premium required - please call us to cover this | NO | NO | |
| Bridge walking | Included | Yes | Yes | |
| Bungee jumping | Included | Yes | Yes | |
| Camel riding | Additional Premium required - please call us to cover this | NO | Yes | Top of page |
| Canoeing and kayaking - Grade 1 Rivers | Included | Yes | Yes | |
| Canoeing and kayaking - Grade 2 Rivers | Additional Premium required - please call us to cover this | Yes | Yes | |
| Canoeing and kayaking - Grade 3 Rivers | Additional Premium required - please call us to cover this | Yes | Yes | |
| Canoeing and kayaking - Grades 4 or 5 Rivers* | Additional Premium required - please call us to cover this | NO | NO | |
| Canopy walking / tree-top walking | Included | Yes | Yes | |
| Canyoning - see glossary | NO COVER | N/A | N/A | |
| Cascading* | Additional Premium required - please call us to cover this | NO | NO | |
| Cat Skiing / boarding | Additional Premium required - please call us to cover this | Yes | Yes | |
| Catamaran sailing | Included | NO | Yes | |
| Cave tubing / river tubing - see glossary | Additional Premium required - please call us to cover this | Yes | Yes | |
| Caving / pot holing* - see glossary | Additional Premium required - please call us to cover this | NO | NO | |
| Charity work (no manual work) | Additional Premium required - please call us to cover this | Yes | Yes | |
| Charity work (including manual work) | NO COVER | N/A | N/A | |
| Clay pigeon shooting | Included | NO | Yes | |
| Cliff jumping | NO COVER | N/A | N/A | |
| Climbing (indoor) | Additional Premium required - please call us to cover this | Yes | Yes | |
| Climbing (up to 4,000 metres using guides and ropes)* | Additional Premium required - please call us to cover this | NO | NO | |
| Coasteering | NO COVER | N/A | N/A | |
| Conservation work | Additional Premium required - please call us to cover this | NO | Yes | |
| Cookery courses | Included | Yes | Yes | |
| Cricket | Included | Yes | Yes | |
| Croquet | Included | Yes | Yes | |
| Cross country running | Included | Yes | Yes | |
| Cross country skiing | Winter Sports cover needed | Yes | Yes | |
| Curling | Winter Sports cover needed | Yes | Yes | |
| Cycle touring | Additional Premium required - please call us to cover this | Yes | Yes | |
| Cycling | Included | Yes | Yes | |
| Dancing | NO COVER | N/A | N/A | Top of page |
| Darts | Included | Yes | Yes | |
| Deep sea fishing | Additional Premium required - please call us to cover this | Yes | Yes | |
| Dinghy sailing | Included | Yes | Yes | |
| Diving (high diving)* | Additional Premium required - please call us to cover this | NO | NO | |
| Dog sledding | Included | Yes | Yes | |
| Drag racing | NO COVER | N/A | N/A | |
| Dragon boating | Included | NO | Yes | |
| Dry slope skiing / boarding | Additional Premium required - please call us to cover this | Yes | Yes | |
| Dune / wadi bashing | Additional Premium required - please call us to cover this | Yes | Yes | |
| Education work (not qualified as a teacher) | Additional Premium required - please call us to cover this | NO | Yes | Top of page |
| Education work (qualified as a teacher) | Included | NO | Yes | |
| Elephant trekking | Included | NO | Yes | |
| Endurance tests* | Additional Premium required - please call us to cover this | NO | NO | |
| Environmental Work | Additional Premium required - please call us to cover this | Yes | Yes | |
| Equestrian events | Additional Premium required - please call us to cover this | Yes | Yes | |
| Expeditions - see glossary | NO COVER | N/A | N/A | |
| Fan Boating | Included | NO | Yes | Top of page |
| Fell running | Additional Premium required - please call us to cover this | Yes | Yes | |
| Fell walking | Included | Yes | Yes | |
| Fencing | Additional Premium required - please call us to cover this | Yes | Yes | |
| Fishing | Included | Yes | Yes | |
| Fives | Additional Premium required - please call us to cover this | Yes | Yes | |
| Flying as a fare-paying passenger in a private aircraft or helicopter | Included | Yes | Yes | |
| Flying as a pilot or trainee pilot in a private aircraft or helicopter | Additional Premium required - please call us to cover this | NO | Yes | |
| Football / American* | Additional Premium required - please call us to cover this | NO | NO | |
| Football / soccer | Additional Premium required - please call us to cover this | Yes | Yes | |
| Free diving | NO COVER | N/A | N/A | |
| Free mountaineering | NO COVER | N/A | N/A | |
| Freestyle skiing | NO COVER | N/A | N/A | |
| Gaelic football | Additional Premium required - please call us to cover this | Yes | Yes | Top of page |
| Glacier skiing* | Winter Sports cover needed plus additional premium required | NO | NO | |
| Glacier walking up to 4,000 metres | Winter Sports cover needed | Yes | Yes | |
| Gliding | Additional Premium required - please call us to cover this | NO | NO | |
| Go-Karting | Additional Premium required - please call us to cover this | NO | Yes | |
| Golf | Included | Yes | Yes | |
| Gorge scrambling* | Additional Premium required - please call us to cover this | NO | NO | |
| Gorge swinging / canyon swinging* | Additional Premium required - please call us to cover this | NO | NO | |
| Gorge walking* | Additional Premium required - please call us to cover this | NO | NO | |
| Gorilla trekking | Included | Yes | Yes | |
| Gymnastics | Additional Premium required - please call us to cover this | Yes | Yes | |
| Handball | Included | Yes | Yes | Top of page |
| Hang gliding | Additional Premium required - please call us to cover this | NO | NO | |
| Harness racing* | Additional Premium required - please call us to cover this | NO | NO | |
| Heli-skiing* | Winter Sports cover needed plus additional premium required | NO | NO | |
| High diving (in excess of 5 metres)* | Additional Premium required - please call us to cover this | NO | NO | |
| Hiking (4,000 - 5,000 metres) | Additional Premium required - please call us to cover this | Yes | Yes | |
| Hiking (below 4,000 metres) | Included | Yes | Yes | |
| Hockey | Additional Premium required - please call us to cover this | Yes | Yes | |
| Horse grooms - must wear a hard hat where possible when riding. | Additional Premium required - please call us to cover this | Yes | Yes | |
| Horse jumping | NO COVER | N/A | N/A | |
| Horse racing | NO COVER | N/A | N/A | |
| Horse riding (not polo, jumping or hunting) - must wear a hard hat where possible. | Additional Premium required - please call us to cover this | Yes | Yes | |
| Hot air ballooning (as a fare paying passenger only) | Included | Yes | Yes | |
| Hot air ballooning (as a pilot) | NO COVER | N/A | N/A | |
| Hunting on horse back | NO COVER | N/A | N/A | |
| Hurling | Additional Premium required - please call us to cover this | Yes | Yes | |
| Husky sledge rides | Included | Yes | Yes | |
| Hydro speeding | Additional Premium required - please call us to cover this | Yes | Yes | |
| Hydrozorbing | Included | Yes | Yes | |
| Ice climbing | Winter Sports cover needed plus additional premium required | Yes | Yes | Top of page |
| Ice curling | Winter Sports cover needed | Yes | Yes | |
| Ice diving | Winter Sports cover needed | Yes | Yes | |
| Ice hockey* | Winter Sports cover needed plus additional premium required | NO | NO | |
| Ice skating | Winter Sports cover needed | Yes | Yes | |
| Ice speedway | NO COVER | N/A | N/A | |
| Inline skating | Included | Yes | Yes | |
| Iron man (amateur) | Additional Premium required - please call us to cover this | Yes | Yes | |
| Jet boating - see glossary | Included | NO | Yes | Top of page |
| Jet skiing | Included | NO | Yes | |
| Jogging | Included | Yes | Yes | |
| Jousting | NO COVER | N/A | N/A | |
| Judo | Additional Premium required - please call us to cover this | Yes | Yes | |
| Karate | Additional Premium required - please call us to cover this | Yes | Yes | Top of page |
| Kayaking and canoeing - Grade 1 Rivers | Included | Yes | Yes | |
| Kayaking and canoeing - Grade 2 Rivers | Additional Premium required - please call us to cover this | Yes | Yes | |
| Kayaking and canoeing - Grade 3 Rivers | Additional Premium required - please call us to cover this | Yes | Yes | |
| Kayaking and canoeing - Grade 4 or 5 Rivers* | Additional Premium required - please call us to cover this | NO | NO | |
| Kendo | Additional Premium required - please call us to cover this | Yes | Yes | |
| Kite buggying | Additional Premium required - please call us to cover this | NO | Yes | |
| Kite skiing | Winter Sports cover needed plus additional premium required | NO | Yes | |
| Kite snowboarding | Winter Sports cover needed plus additional premium required | NO | Yes | |
| Kite surfing (over land) - see glossary | Additional Premium required - please call us to cover this | NO | Yes | |
| Kite surfing (over water) | Additional Premium required - please call us to cover this | NO | Yes | |
| Kloofing* | Additional Premium required - please call us to cover this | NO | NO | |
| Korfball | Included | Yes | Yes | |
| Lacrosse | Additional Premium required - please call us to cover this | Yes | Yes | Top of page |
| Langlauf | Winter Sports cover needed | Yes | Yes | |
| Lapland day trips | Included | Yes | Yes | |
| Lifeguards (non beach) | Additional Premium required - please call us to cover this | Yes | Yes | |
| Luging/bobsleigh | NO COVER | N/A | N/A | |
| Manual labour | NO COVER | N/A | N/A | Top of page |
| Marathon running | Additional Premium required - please call us to cover this | Yes | Yes | |
| Martial arts | Additional Premium required - please call us to cover this | Yes | Yes | |
| Micro-lighting* | Additional Premium required - please call us to cover this | NO | NO | |
| Mixed Gas Diving | See scuba diving | Yes | Yes | |
| Modern pentathlon | NO COVER | N/A | N/A | |
| Mono skiing | Winter Sports cover needed | Yes | Yes | |
| Motocross | NO COVER | N/A | N/A | |
| Motor cycle racing | NO COVER | N/A | N/A | |
| Motor cycling | Included | NO | Yes | |
| Motor racing | NO COVER | N/A | N/A | |
| Motor rallies | NO COVER | N/A | N/A | |
| Mountain biking (competitive) | NO COVER | N/A | N/A | |
| Mountain biking (recreational) | Included | NO | Yes | |
| Mountain boarding | Additional Premium required - please call us to cover this | Yes | Yes | |
| Mountaineering | NO COVER | N/A | N/A | |
| Mud buggying | Additional Premium required - please call us to cover this | NO | Yes | |
| Netball | Included | Yes | Yes | Top of page |
| Off piste skiing (within local ski patrol guidelines) | Winter Sports cover needed | Yes | Yes | Top of page |
| Off piste snowboarding (within local ski patrol guidelines) | Winter Sports cover needed | Yes | Yes | |
| Orienteering | Additional Premium required - please call us to cover this | Yes | Yes | |
| Ostrich riding* | Additional Premium required - please call us to cover this | NO | NO | |
| Outdoor endurance events | NO COVER | N/A | N/A | |
| Paintballing | Included | NO | Yes | Top of page |
| Parachute jumping (static line) | Additional Premium required - please call us to cover this | Yes | Yes | |
| Parachute jumping (tandem) | Included | Yes | Yes | |
| Paragliding - see glossary | Additional Premium required - please call us to cover this | Yes | Yes | |
| Parapenting | Additional Premium required - please call us to cover this | Yes | Yes | |
| Parasailing | Included | Yes | Yes | |
| Parascending (over land) | Additional Premium required - please call us to cover this | Yes | Yes | |
| Parascending (over water) | Included | Yes | Yes | |
| Pistol Shooting | Included | NO | Yes | |
| Polo | NO COVER | N/A | N/A | |
| Pony trekking | Included | Yes | Yes | |
| Pool | Included | Yes | Yes | |
| Pot holing* - see glossary | Additional Premium required - please call us to cover this | NO | NO | |
| Powerboat racing | NO COVER | N/A | N/A | |
| Powerlifting | NO COVER | N/A | N/A | |
| Professional sports of any kind | NO COVER | N/A | N/A | |
| Quad biking | NO COVER | N/A | N/A | Top of page |
| Racketball | Additional Premium required - please call us to cover this | Yes | Yes | Top of page |
| Rackets | Additional Premium required - please call us to cover this | Yes | Yes | |
| Rafting | Included | Yes | Yes | |
| Rambling | Included | Yes | Yes | |
| Rap jumping* - see glossary | Additional Premium required - please call us to cover this | NO | NO | |
| Refereeing | Included | Yes | Yes | |
| Reverse bungee jumping | Included | Yes | Yes | |
| Rifle shooting | Included | NO | Yes | |
| Ringos / doughnuts - see glossary | Included | Yes | Yes | |
| River bugging* - see glossary | Additional Premium required - please call us to cover this | NO | NO | |
| Rock Climbing* | Additional Premium required - please call us to cover this | NO | NO | |
| Rock climbing - solo / freestyle / without ropes | NO COVER | N/A | N/A | |
| Rock scrambling | Additional Premium required - please call us to cover this | Yes | Yes | |
| Rodeo | NO COVER | N/A | N/A | |
| Roller blading / skating | Included | Yes | Yes | |
| Roller Hockey | Additional Premium required - please call us to cover this | Yes | Yes | |
| Rounders | Included | Yes | Yes | |
| Rowing | Included | Yes | Yes | |
| Rugby League* | Additional Premium required - please call us to cover this | NO | NO | |
| Rugby Sevens* | Additional Premium required - please call us to cover this | NO | NO | |
| Rugby Union* | Additional Premium required - please call us to cover this | NO | NO | |
| Running (not long distance) | Included | Yes | Yes | |
| Running with bulls | NO COVER | N/A | N/A | |
| Safari (no guns) | Included | Yes | Yes | Top of page |
| Safari (with guns) | Additional Premium required - please call us to cover this | Yes | Yes | |
| Safari trekking in a vehicle | Included | Yes | Yes | |
| Safari trekking on foot | Included | Yes | Yes | |
| Sail boarding | Included | NO | Yes | |
| Sailing / yachting (within a 12-mile limit of the coastline) | Included | NO | Yes | |
| Sailing / yachting Offshore | NO COVER | N/A | N/A | |
| Sand boarding | Additional Premium required - please call us to cover this | Yes | Yes | |
| Sand dune surfing / Skiing | Additional Premium required - please call us to cover this | Yes | Yes | |
| Scrambling | Additional Premium required - please call us to cover this | Yes | Yes | |
| Scuba diving (30 - 50 metres depth if qualified or with an instructor) | Additional Premium required - please call us to cover this | Yes | Yes | |
| Scuba diving (up to 30 metres depth if qualified or with an instructor) | Included | Yes | Yes | |
| Sea canoeing | Additional Premium required - please call us to cover this | Yes | Yes | |
| Sea kayaking | Additional Premium required - please call us to cover this | Yes | Yes | |
| Shark diving (in a cage) | Additional Premium required - please call us to cover this | Yes | Yes | |
| Shinty | Additional Premium required - please call us to cover this | Yes | Yes | |
| Shooting | Included | NO | Yes | |
| Skate boarding | Included | Yes | Yes | |
| Skeletons | NO COVER | N/A | N/A | |
| Ski acrobatics / aerials | NO COVER | N/A | N/A | |
| Ski biking / snow biking | Winter Sports cover needed | Yes | Yes | |
| Ski blading / snow blading | Winter Sports cover needed | Yes | Yes | |
| Ski Instructors course | Referral Required. Please call us. | NO | Yes | |
| Ski jumping | NO COVER | N/A | N/A | |
| Ski mountaineering - see glossary | NO COVER | N/A | N/A | |
| Ski racing | NO COVER | N/A | N/A | |
| Ski randonee | Winter Sports cover needed plus additional premium required | Yes | Yes | |
| Ski stunting | NO COVER | N/A | N/A | |
| Ski touring - see glossary | Additional Premium required - please call us to cover this | Yes | Yes | |
| Ski-dooing | Winter Sports cover needed plus additional premium required | NO | Yes | |
| Skiing | Winter Sports cover needed | Yes | Yes | |
| Skiing ? off piste | Winter Sports cover needed | Yes | Yes | |
| Sky diving* | Additional Premium required - please call us to cover this | NO | NO | |
| Sky jump from Auckland Sky Tower (in New Zealand) | Additional Premium required - please call us to cover this | Yes | Yes | |
| Sledging / sleighing | Winter Sports cover needed | Yes | Yes | |
| Small bore target shooting | Included | NO | Yes | |
| Snooker | Included | Yes | Yes | |
| Snorkelling | Included | Yes | Yes | |
| Snow mobiling | Winter Sports cover needed plus additional premium required | NO | Yes | |
| Snowboarding | Winter Sports cover needed | Yes | Yes | |
| Snowboarding ? off piste | Winter Sports cover needed | Yes | Yes | |
| Soccer | Additional Premium required - please call us to cover this | Yes | Yes | |
| Softball | Included | Yes | Yes | |
| Solo climbing | NO COVER | N/A | N/A | |
| Speed skating | Winter Sports cover needed | Yes | Yes | |
| Speed trials/time trials | NO COVER | N/A | N/A | |
| Speedway | NO COVER | N/A | N/A | |
| Squash/ rackets | Additional Premium required - please call us to cover this | Yes | Yes | |
| Steeplechasing | NO COVER | N/A | N/A | |
| Storm chasing / tornado chasing | NO COVER | N/A | N/A | |
| Street dancing | Included | Yes | Yes | |
| Street hockey | Additional Premium required - please call us to cover this | Yes | Yes | |
| Summer tobogganing | Additional Premium required - please call us to cover this | Yes | Yes | |
| Surfing | Included | NO | Yes | |
| Swimming | Included | Yes | Yes | |
| Swimming with dolphins | Included | Yes | Yes | |
| Swimming with stringrays | Included | Yes | Yes | |
| Sydney Harbour Bridge Walk | Included | Yes | Yes | |
| Table tennis | Included | Yes | Yes | Top of page |
| Tae Kwon Do | Additional Premium required - please call us to cover this | Yes | Yes | |
| Tall-ship crewing | Additional Premium required - please call us to cover this | Yes | Yes | |
| Teacher (not qualified) | Additional Premium required - please call us to cover this | NO | Yes | |
| Teacher (qualified) | Included | NO | Yes | |
| Tennis | Included | Yes | Yes | |
| Tenpin bowling | Included | Yes | Yes | |
| Tobogganing | Winter Sports cover needed | Yes | Yes | |
| Touch football | Additional Premium required - please call us to cover this | Yes | Yes | |
| Touch rugby | Additional Premium required - please call us to cover this | Yes | Yes | |
| Track days | NO COVER | N/A | N/A | |
| Trampolining | Included | Yes | Yes | |
| Trekking (4,000 to 5,000 metres) | Additional Premium required - please call us to cover this | Yes | Yes | |
| Trekking / walking / hiking up to 4,000 metres | Included | Yes | Yes | |
| Triathlon | Additional Premium required - please call us to cover this | Yes | Yes | |
| Tug-of-war | Included | Yes | Yes | |
| Ultimate frisbee | Included | Yes | Yes | Top of page |
| Via Ferrata* | Additional Premium required - please call us to cover this | NO | NO | Top of page |
| Volleyball | Included | Yes | Yes | |
| Wake boarding | Included | NO | Yes | Top of page |
| Walking - hill (up to 4,000 metres) | Included | Yes | Yes | |
| War games | Included | NO | Yes | |
| Water polo | Included | Yes | Yes | |
| Water skiing | Included | NO | Yes | |
| Water skiing jumping | Additional Premium required - please call us to cover this | Yes | Yes | |
| Weightlifting | NO COVER | N/A | N/A | |
| White water canoeing / rafting (Grade 4 or 5)* | Additional Premium required - please call us to cover this | NO | NO | |
| White water canoeing / rafting (up to Grade 3) | Additional Premium required - please call us to cover this | Yes | Yes | |
| Windsurfing | Included | NO | Yes | |
| Wrestling | NO COVER | N/A | N/A | |
| Yoga | Included | Yes | Yes | Top of page |
| Zip lining | Included | Yes | Yes | Top of page |
| Zorbing | Additional Premium required - please call us to cover this | Yes | Yes |
| Hazardous Activity | Cover | Personal Liability Cover | |
|---|---|---|---|
| Abseiling (when adequately supervised) | Included | No | Top of page |
| American Football | Additional Premium required - please call us to cover this | Yes | |
| Archery | Included | No | |
| Badminton | Included | Yes | Top of page |
| Bamboo Rafting (up to grade 2 rivers with adequate safety equipment) | Included | Yes | |
| Banana Boating | Included | Yes | |
| Base Jumping | NO COVER | N/A | |
| Baseball | Included | Yes | |
| Basketball | Included | Yes | |
| Beach Games | Included | Yes | |
| Big Foot Skiing - see glossary | Winter Sports Cover needed | Yes | |
| Big Game Hunting | NO COVER | N/A | |
| Black Water Rafting (life jacket and helmet must be worn) - see glossary | Additional Premium required - please call us to cover this | Yes | |
| Blow Carting | Included | No | |
| BMX Riding - Stunt/Obstacle | NO COVER | N/A | |
| Bobsleigh/Luging | NO COVER | N/A | |
| Bouldering (using crash pads where appropriate) | Additional Premium required - please call us to cover this | Yes | |
| Bowls | Included | Yes | |
| Boxing | NO COVER | N/A | |
| Bungee Jumping (when adequately supervised) | Included | Yes | |
| Camel Riding | Included | No | Top of page |
| Canoeing (grade 3 rivers) | Additional Premium required - please call us to cover this | Yes | |
| Canoeing (up to grade 2 rivers only) | Included | Yes | |
| Canyoning (life jacket and helmet must be worn) - see glossary | Additional Premium required - please call us to cover this | Yes | |
| Cat Skiing | Winter Sports Cover needed | Yes | |
| Catamaran | Included | No | |
| Cave Diving | NO COVER | N/A | |
| Cave Tubing - see glossary | Additional Premium required - please call us to cover this | Yes | |
| Caving/Pot holing - see glossary | Additional Premium required - please call us to cover this | Yes | |
| Charity work (educational/environmental) | Please click here | Yes | |
| Clay Pigeon Shoot | Included | No | |
| Climbing (on a climbing wall only) | Included | Yes | |
| Conservation work (educational/enviromental) | Please click here | Yes | |
| Cricket | Included | Yes | |
| Cross-Country Skiing | Winter Sports cover needed | Yes | |
| Curling | Winter Sports cover needed | Yes | |
| Cycling | Included | No | |
| Cycling racing (non-professional) | Additional Premium required - please call us to cover this | No | |
| Deep Sea Fishing | Included | Yes | Top of page |
| Dinghy Sailing | Included | No | |
| Dragon Boat Racing (non professional) | Included | No | |
| Dry Slope Skiing | Additional Premium required - please call us to cover this | Yes | |
| Elephant Riding/ Trekking (professionally organised, with experienced handlers) | Included | Yes | Top of page |
| Expeditions - see glossary | NO COVER | N/A | |
| Fell Running | Included | Yes | Top of page |
| Fell Walking | Included | Yes | |
| Fencing | Additional Premium required - please call us to cover this | No | |
| Fishing | Included | Yes | |
| Flying in aircraft (as a fare-paying passenger) | Included | Yes | |
| Flying in aircraft (as a non-fare-paying passenger, pilot or trainee pilot) | Additional Premium required - please call us to cover this | Yes | |
| Football American | Additional Premium required - please call us to cover this | Yes | |
| Football Rugby | Additional Premium required - please call us to cover this | Yes | |
| Football Soccer | Additional Premium required - please call us to cover this | Yes | |
| Football Soccer (incidental, leisure and non-competitive) | Included | Yes | |
| Free Mountaineering | NO COVER | N/A | |
| Freestyle Skiing | NO COVER | N/A | |
| Glacier Skiing | Winter Sports cover needed | Yes | Top of page |
| Glacier Walking | Winter Sports cover needed | Yes | |
| Glass Bottom Boats/Bubbles | Included | Yes | |
| Gliding (as a passenger only) | Included | Yes | |
| Gliding as a pilot or trainee pilot | Additional Premium required - please call us to cover this | No | |
| Go Karting (when adequately supervised) | Included | No | |
| Golf | Included | Yes | |
| Gorilla Trekking (organised) | Included | Yes | |
| Gymnastics | Included | Yes | |
| Hang Gliding | Additional Premium required - please call us to cover this | Yes | Top of page |
| Heli-Skiing (Helicopter must touch down) - see glossary | Winter Sports cover needed | Yes | |
| Heptathlon | Included | Yes | |
| High Diving - over 5 meters | NO COVER | N/A | |
| High Level Walking | Included | Yes | |
| Hiking/Treking/Walking | Included | Yes | |
| Hockey | Additional Premium required - please call us to cover this | Yes | |
| Horse Riding in competitions (non-professional) | Additional Premium required - please call us to cover this | No | |
| Horse Riding/Trekking/Hacking (non-competitive) | Included | Yes | |
| Hot air ballooning (as a fare paying passenger only) | Included | Yes | |
| Hot air ballooning (as a pilot) | NO COVER | N/A | |
| Hunting (Fox/Drag) | NO COVER | N/A | |
| Husky Dog Sledding (organised, non-competitive with experienced local driver) | Winter Sports cover needed | Yes | |
| Hydro Zorbing | Included | Yes | |
| Hydrospeeding (wearing recommended safety equipment) | Included | Yes | |
| Ice Diving (must be with a qualified instructor at all times) | Winter Sports cover needed | Yes | Top of page |
| Ice Hockey | Winter Sports cover needed | Yes | |
| Ice Skating | Winter Sports cover needed | Yes | |
| Indoor Climbing (on climbing wall) | Included | Yes | |
| Inline Skating (pads and helmet must be worn) | Included | No | |
| Javelin Throwing | Included | Yes | Top of page |
| Jet Boating (no cover for racing) - see glossary | Included | No | |
| Jet Skiing (no cover for racing) | Included | No | |
| Jogging | Included | Yes | |
| Judo | NO COVER | N/A | |
| Karate | NO COVER | N/A | Top of page |
| Kayaking (grade 3 rivers) | Additional Premium required - please call us to cover this | Yes | |
| Kayaking (up to grade 2 rivers) | Included | Yes | |
| Kite Boarding (winter sports) | Winter Sports cover needed | No | |
| Kite Buggying | Included | No | |
| Kite Surfing (over land) | Additional Premium required - please call us to cover this | No | |
| Kite Surfing (over water) - see glossary | Additional Premium required - please call us to cover this | No | |
| Kloofing | Additional Premium required - please call us to cover this | Yes | |
| Lacrosse | Additional Premium required - please call us to cover this | Yes | Top of page |
| Luging/Bobsleigh | NO COVER | N/A | |
| Manual Work | Please click here | Yes | Top of page |
| Marathon Running (except endurance/multiple marathons) | Included | Yes | |
| Martial Arts | NO COVER | N/A | |
| Micro Lighting | NO COVER | N/A | |
| Mixed Gas Diving (nitrox/trimix to maximum depth of 50m) | Included - subject to qualification. | Yes | |
| Mono Skiing | Winter Sports cover needed | Yes | |
| Motor Rallying | NO COVER | N/A | |
| Motorcycling - with UK licence (not off-roading) | Included | No | |
| Mountain Biking (except downhill racing and vertical paths) | Included | No | |
| Mountain Boarding (protective clothing must be worn) | Included | Yes | |
| Mountaineering | NO COVER | N/A | |
| Muscular Endurance Test | NO COVER | N/A | |
| Netball | Included | Yes | Top of page |
| Nordic Skiing | Winter Sports cover needed | Yes | |
| Off Piste Skiing/Snowboarding (outside resort boundary) | Winter Sports cover needed. Click here for more details. | Yes | Top of page |
| Off Piste Skiing/Snowboarding (within resort boundary) | Winter Sports cover needed. Click here for more details. | Yes | |
| Orienteering | Included | Yes | |
| Paint Balling/War Games (eye protection must be worn) | Included | No | Top of page |
| Parachuting | NO COVER | N/A | |
| Paragliding, solo - must be a BHPA qualified instructor - see glossary | Additional Premium required - please call us to cover this | Yes | |
| Paragliding, tandem with a qualified instructor at all times - see glossary | Additional Premium required - please call us to cover this | Yes | |
| Parapenting/Paraponting as a winter sport (must be tandemed with a qualified instructor - see glossary at all times) | Winter Sports cover needed | Yes | |
| Parapenting/Paraponting non-winter sports (must be tandemed with a qualified instructor at all times) | Additional Premium required - please call us to cover this | Yes | |
| Parasailing/Parasending (over water) | Included | Yes | |
| Passenger Sledge | Included | Yes | |
| Polo | Additional Premium required - please call us to cover this | Yes | |
| Pony Trekking | Included | Yes | |
| Pot Holing/Caving - see glossary | Additional Premium required - please call us to cover this | Yes | |
| Power Boating (non-competitive - no cover for damage to vessel) | Included | No | |
| Professional Sports | NO COVER | N/A | |
| Quad Bikes | Additional Premium required - please call us to cover this | No | Top of page |
| Racing not on foot (see also cycling, triathlon) | NO COVER | N/A | Top of page |
| Racing on foot | Included | Yes | |
| Rambling | Included | Yes | |
| Rap Running/Jumping (within organisation,s guidelines) - see glossary | Additional Premium required - please call us to cover this | No | |
| Raquetball | Included | Yes | |
| Rifle Range | Included | No | |
| Ringos - see glossary | Included | Yes | |
| River Bugging - see glossary | NO COVER | N/A | |
| River Tubing | Included | Yes | |
| Rock Climbing (Maximum grade HVS, organised and taking appropriate safety precautions including ropes) | Additional Premium required - please call us to cover this | Yes | |
| Rock Scrambling (taking appropriate safety precautions) | Additional Premium required - please call us to cover this | Yes | |
| Rodeo | NO COVER | N/A | |
| Roller Skating/Blading (pads and helmets must be worn) | Included | No | |
| Rounders | Included | Yes | |
| Rowing (except racing) | Included | Yes | |
| Rugby (Union/League) | Additional Premium required - please call us to cover this | Yes | |
| Running | Included | Yes | |
| Safari in a vehicle (must be with a guide) | Included | Yes | Top of page |
| Safari on foot (must be with a guide) | Included | Yes | |
| Sail Boarding/Windsurfing | Included | No | |
| Sailing | Included | No | |
| Sand Dune Surfing/Skiing | Additional Premium required - please call us to cover this | Yes | |
| Sand Yachting | Included | No | |
| Scuba Diving | Included - subject to qualification. Click here for more details. | Yes | |
| Sea Canoeing/Kayaking (within site of land) | Included | Yes | |
| Shark Diving (in cage) | Additional Premium required - please call us to cover this | Yes | |
| Shooting (within organisations guidelines) | Included | No | |
| Skateboarding (pads and helmets must be worn) | Included | No | |
| Ski Acrobatics | NO COVER | N/A | |
| Ski Biking | Winter Sports cover needed | Yes | |
| Ski Flying | NO COVER | N/A | |
| Ski Jumping | NO COVER | N/A | |
| Ski Mountaineering - see glossary | NO COVER | N/A | |
| Ski Racing (non FIS) | Winter Sports cover needed | Yes | |
| Ski Run Walking (using ropes or crampons) | NO COVER | N/A | |
| Ski Touring - see glossary | Winter Sports cover needed | Yes | |
| Ski Yawing | Winter Sports cover needed | No | |
| Ski-Boarding/Snow Boarding | Winter Sports cover needed | Yes | |
| Ski-Dooing | Winter Sports cover needed | No | |
| Skiing | Winter Sports cover needed | Yes | |
| Ski-Stunting | NO COVER | N/A | |
| Sky Diving | NO COVER | N/A | |
| Sledging pulled by Horse/Reindeer | Included | Yes | |
| Sledging/Tobogganing | Winter Sports cover needed | Yes | |
| Small Bore Target Shooting | Included | No | |
| Snorkeling | Included | Yes | |
| Snow Blading - see glossary | Winter Sports cover needed | Yes | |
| Snow Boarding | Winter Sports cover needed | Yes | |
| Snow Carting | Winter Sports cover needed | Yes | |
| Snow Decking | Winter Sports cover needed | Yes | |
| Snow Scooting | Winter Sports cover needed | Yes | |
| Snow Skating | Winter Sports cover needed | Yes | |
| Snow Tubing | Winter Sports cover needed | Yes | |
| Snow Tubing - pulled/towed by a ski doo | Winter Sports cover needed | No | |
| Snowcat Skiing | Winter Sports cover needed | No | |
| Snow-Mobiling | Winter Sports cover needed | No | |
| Soccer | Additional Premium required - please call us to cover this | Yes | |
| Soft Ball | Included | Yes | |
| Squash | Included | Yes | |
| Street Hockey (pads and helmets must be worn) | Additional Premium required - please call us to cover this | Yes | |
| Summer Tobogganing | Additional Premium required - please call us to cover this | Yes | |
| Surfing | Included | No | |
| Swimming | Included | Yes | |
| Sydney Harbour Bridge Walk (using ropes and strapped to a guide) | Included | Yes | |
| Table Tennis | Included | Yes | Top of page |
| Telemarking | Winter Sports cover needed | Yes | |
| Tennis | Included | Yes | |
| Tenpin Bowling | Included | Yes | |
| Tobogganing/Sledging | Winter Sports cover needed | Yes | |
| Tree Top Canopy Walking (with adequate safety measures in place) | Included | Yes | |
| Trekking/Walking/Hiking/High Level Walking | Included | Yes | |
| Triathlon (non-professional) | Additional Premium required - please call us to cover this | Yes | |
| Tubing | Included | Yes | |
| Tug of War | Included | Yes | |
| Via ferrate | Additional Premium required - please call us to cover this | Yes | Top of page |
| Volleyball | Included | Yes | |
| Wakeboarding | Included | No | Top of page |
| War Games (eye protection must be worn) | Included | No | |
| Water Polo | Included | Yes | |
| Water Ski Jumping | NO COVER | N/A | |
| Water-Skiing (no jumping) | Included | No | |
| Weight Lifting | NO COVER | N/A | |
| White Water Canoeing | NO COVER | N/A | |
| White Water Rafting (when adequately supervised and with appropriate safety measures) | Included | Yes | |
| Windsurfing | Included | No | |
| Working Abroad | Please click here | Yes | |
| Wrestling | NO COVER | N/A | |
| Yachting | Included | No | Top of page |
| Zorbing (non-winter sports) | Included | Yes | Top of page |
| Zorbing (winter sports) | Winter Sports cover needed | Yes |
Big foot skiing or snowblading- is skiing on short skis called 'Big foot'. They carry as much risk as normal skiing.
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 tubing.
Canyoning- is travelling down rivers, waterfalls and canyons wearing a life jacket.
Cave Tubing- 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.
Ski Mountaineering- ascending mountain summits, cols and glacier crossings where the itinerary requires crampons, ice axes and harnesses.
Ski Touring- Resembles ski mountaineering (defined above) but involves Trekking instead of Climbing (ie without crampons, ice axes and harnesses).
Snow Blading or Big Foot Skiing- is skiing on short skis called 'Big foot'. They carry as much risk as normal skiing.
