| Activity | Level | Conditions and/or Limitations |
| Abseiling | Level 2 | When adequately supervised |
| American Football | Level 2 | |
| Archery | Standard | When adequately supervised |
| Badminton | Standard | |
| Ballooning | Level 2 | When adequately Supervised |
| Baseball | Level 1 | |
| Basketball | Standard | |
| Big Game Hunting | Call for a Quotation | |
| Black Water Rafting | Standard | Must be professionally organised with qualified instructor or guide involved. |
| Blade Skating | Standard | |
| BMX Riding | Level 2 | Subject to wearing of protective headgear<br />Excluding competitions and displays |
| Bobsleigh | Call for a Quotation | |
| Bowls | Standard | |
| Boxing | Call for a Quotation | |
| Bungee Jumping (Up to 3 Jumps) | Standard | Must be professionally organised with qualified instructor or guide involved. |
| Camel or Elephant riding/trekking | Standard | No Personal Accident Cover
No Personal Liability Cover |
| Canoeing | Standard | Must be professionally organised with qualified instructor or guide involved. |
| Canyoning | Call for a Quotation | |
| Catamaran Sailing | Standard | Only if Qualified - No Racing
No Personal Liability Cover
Sailing in International Waters excluded |
| Cave Diving | Call for a Quotation | |
| Clay Pigeon Shooting | Standard | |
| Conservation/charity work | Standard | No Personal Accident Cover
No Personal Liability Cover |
| Cricket | Standard | |
| Cross-Country Skiing | Wintersports | Only on Recognised Paths |
| Curling | Standard | |
| Cycling | Standard | Excluding BMX Riding |
| Deep Sea Fishing | Standard | |
| Dinghy Sailing | Standard | No Personal Liability Cover |
| Dry Skiing | Wintersports | |
| Fell Running | Standard | No climbing |
| Fell Walking | Standard | No climbing |
| Fencing | Level 1 | When adequately supervised |
| Fishing | Standard | |
| Flying | Call for a Quotation | Except as a Fare-Paying Passenger |
| Soccer (Football Assoc.) | Level 1 | If Organised Games |
| Gliding | Standard | No Personal Liability Cover |
| Go Karting | Level 2 | No Personal Liability Cover |
| Golf | Standard | |
| Gymnastics | Standard | |
| Hang Gliding | Call for a Quotation | |
| Heli-Skiing | Call for a Quotation | |
| Heptathlon | Standard | No Competitions |
| High Diving | Call for a Quotation | |
| Hockey | Level 1 | |
| Horse Riding | Standard | Subject to Protective Head Gear being worn
Call for a Quotation for competitions/jumping/hunting |
| Hot Air Ballooning | Standard | Must be professionally organised with qualified instructor or guide involved.
No Personal Accident Cover |
| Ice Hockey | Call for a Quotation | |
| Ice Skating | Standard | No Racing or Speed Skating |
| Jet Skiing (Water) | Standard | No Personal Liability Cover |
| Judo | Level 1 | |
| Karate | Level 1 | |
| Lacrosse | Level 1 | |
| Land Skiing | Level 1 | |
| Luging/Tobogganing | Call for a Quotation | |
| Marathon Running | Standard | |
| Mono Skiing (on snow) | Wintersports | |
| Motor Sport (any type) | Call for a Quotation | |
| Mountain Biking | Level 2 | Subject to Protective Head Gear being worn |
| Mountaineering (using ropes) | Call for a Quotation | |
| Netball | Standard | |
| Off-piste Skiing / Snow Boarding | Wintersports | Must be within resort boundaries and with a paid professional guide. Excludes areas designated unsafe by resort management or where there is an avalanche warning of level 3 or above in place |
| Organised Team Sports (not listed) | Refer to Underwriter | |
| Orienteering | Standard | |
| Parachuting | Call for a Quotation | |
| Paragliding (over land) | Call for a Quotation | |
| Parascending (over water) | Standard | |
| Polo | Call for a Quotation | |
| Pony Trekking | Standard | |
| Pot Holing | Call for a Quotation | |
| Quad Biking (max 125 cc) | Standard | MUST hold UK Driving License
No Personal Liability Cover |
| Racket Ball | Standard | |
| Rambling | Standard | No rock climbing |
| Recreational Racing (skiing and Snowboarding) | Wintersports | |
| Rifle Range | Standard | |
| Rock Climbing (without ropes) | Call for a Quotation | |
| Rock Climbing (using ropes) | Call for a Quotation | |
| Roller Skating / Blading | Standard | |
| Rounders | Standard | |
| Rowing | Standard | Except Competitions / Racing |
| Rugby (Union/League) | Level 2 | No Personal Liability Cover |
| Running (Sprint and Long Distance) | Standard | |
| Safari/Gorilla Trekking | Standard | Must be professionally organised with qualified instructor or guide involved. |
| Sail Boarding | Standard | No Competitions
No Personal Liability Cover |
| Sailing (inc. Flotilla) | Standard | Except Competitions
No Personal Liability Cover
Sailing in International Waters is excluded |
| Scuba Diving (over 30m /100ft) | Call for a Quotation | |
| Scuba Diving to 30m | Standard | Providing Certificate of Proficiency held, or diving with qualified instructor - otherwise Call for a Quotation |
| Shooting/Hunting | Call for a Quotation | |
| Skateboarding | Standard | |
| Skeletons | Call for a Quotation | |
| Ski-Boarding | Wintersports | |
| Ski-Doos | Wintersports | No Personal Liability Cover
No Personal Accident Cover |
| Sky Diving | Call for a Quotation | |
| Sledging | Wintersports | |
| Sleigh Rides | Standard | As passenger only |
| Snorkelling | Standard | |
| Snow Boarding | Wintersports | |
| Snow Mobiling | Wintersports | Included as Standard if passenger only
No Personal Liability Cover
No Personal Accident Cover |
| Soccer | Level 1 | |
| Squash | Standard | |
| Street Hockey | Level 1 | |
| Surfing | Standard | |
| Tennis | Standard | |
| Trekking/Hiking up to 2,000 metres | Standard | Must be organised tour along recognised routes |
| Trekking/Hiking above 2,000 metres | Call for a Quotation | |
| Triathlons | Standard | Not Professional |
| Volley Ball | Standard | |
| Wakeboarding | Standard | No Personal Liability Cover
No Personal Accident Cover |
| War Games/Paint Balling | Standard | Eye protection must be worn |
| Water Polo | Standard | |
| Water Skiing | Standard | No Personal Liability Cover
No Personal Accident Cover |
| Weight Lifting | Call for a Quotation | |
| White Water Rafting | Standard | Must be professionally organised with qualified instructor or guide involved. |
| Windsurfing | Standard | No Competitions
No Personal Liability Cover |
| Yachting | Standard | Only if Qualified - No Racing
No Personal Liability Cover
Sailing in International Waters excluded |