Hazardous Activities
You should contact us on 08450 89 90 91 if anyone travelling wishes to engage in:
- Hazardous activities not listed below
- Activities listed below on a professional basis
- Activities listed below outside the conditions/limitations set out below
- Activities listed below and marked 'call for quotation'
In these circumstances there is no cover unless you have contacted us, cover is agreed, the appropriate additional premium has been paid and an endorsement has
been noted on your schedule of insurance. Cover for any hazardous activity is subject to appropriate supervision by suitably qualified and trained personnel.
| Activity | Level | Conditions and/or Limitations |
| Abseiling | Level 1 | When adequately supervised |
| American Football | Level 1 | |
| Archery | Standard | When adequately supervised |
| Badminton | Standard | |
| Ballooning | Level 1 | When adequately Supervised |
| Baseball | Standard | |
| Basketball | Standard | |
| Big Game Hunting | Standard | |
| Black Water Rafting | Standard | Must be professionally organised with qualified instructor or guide involved. |
| Blade Skating | Standard | |
| BMX Riding | Standard | Subject to wearing of protective headgear
Excluding competitions and displays |
| Bobsleigh | Standard | |
| Bowls | Standard | |
| Boxing | Standard | |
| 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 | Standard | |
| Catamaran Sailing | Standard | Only if Qualified - No Racing
No Personal Liability Cover
Sailing in International Waters excluded |
| Cave Diving | Standard | |
| Clay Pigeon Shooting | Standard | |
| Conservation/charity work | Standard | No Personal Accident Cover
No Personal Liability Cover |
| Cricket | Standard | |
| Cross-Country Skiing | Standard | Only on Recognised Paths |
| Curling | Standard | |
| Cycling | Standard | Excluding BMX Riding |
| Deep Sea Fishing | Standard | |
| Dinghy Sailing | Standard | No Personal Liability Cover |
| Dry Skiing | Standard | |
| Fell Running | Standard | No climbing |
| Fell Walking | Standard | No climbing |
| Fencing | Standard | When adequately supervised |
| Fishing | Standard | |
| Flying | Standard | Except as a Fare-Paying Passenger |
| Soccer (Football Assoc.) | Standard | If Organised Games |
| Gliding | Standard | No Personal Liability Cover |
| Go Karting | Standard | No Personal Liability Cover |
| Golf | Standard | |
| Gymnastics | Standard | |
| Hang Gliding | Standard | |
| Heli-Skiing | Standard | |
| Heptathlon | Standard | No Competitions |
| High Diving | Standard | |
| Hockey | Standard | |
| 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 | Standard | |
| Ice Skating | Standard | No Racing or Speed Skating |
| Jet Skiing (Water) | Standard | No Personal Liability Cover |
| Judo | Standard | |
Hazardous Activity Levels
Standard
You are automatically covered for certain activities with an acceptability level 'Standard' subject to any conditions and/or limitations.
Winter Sports
If you wish to participate in any activity marked 'Winter Sports' an Additional Premium must be paid and cover shown on your schedule.
Please note: If your schedule is marked Winter Sports you are covered for all activities marked as this, subject to any conditions and/or limitations.
Level 1
If you wish to participate in any activity marked 'Level 1' an Additional Premium must be paid and cover shown on your schedule.
Please note: If your schedule is marked Level 1 you are covered for all activities marked as this, subject to any conditions and/or limitations.
Level 2
If you wish to participate in any activity marked 'Level 2' an Additional Premium must be paid and cover shown on your schedule.
Please note: If your schedule is marked Level 2 you are covered for all activities marked as this and Level 1, subject to any conditions and/or limitations.