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 noted on your schedule of insurance. Cover for any hazardous activity is subject to appropriate supervision by suitably qualified and trained personnel.
Acceptability Level Key
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.
Activity |
Acceptability 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 |
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 |
Cave Diving |
Call for a Quotation |
|
Clay Pigeon Shooting |
Standard |
|
| Conservation/charity work (Educational & Environmental - hand tools only) |
Standard | No Personal Accident Cover No Personal Liability Cover |
Cricket |
Standard |
|
Cross-Country Skiing |
Winter Sports Cover |
Only on Recognised Paths |
Curling |
Standard |
|
Cycling |
Standard |
Excluding BMX Riding |
Deep Sea Fishing |
Standard |
|
Dinghy Sailing |
Standard |
No Personal Liability Cover |
Dry Skiing |
Winter Sports |
|
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 |
| Hot Air Ballooning | 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) |
Winter Sports |
|
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 | Winter Sports | 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 |
Racket Ball |
Standard |
|
Rambling |
Standard |
No rock climbing |
| Recreational Racing (skiing and Snowboarding) | Winter Sports | |
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 |
Sailing (inc. Flotilla) |
Standard |
Except Competitions |
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 |
Winter Sports |
|
Ski-Doos |
Winter Sports |
No Personal Liability Cover |
Sky Diving |
Call for a Quotation |
|
Sledging |
Winter Sports |
|
| Sleigh Rides | Standard | As passenger only |
| Snorkelling | Standard | |
Snow Boarding |
Winter Sports |
|
Snow Mobiling |
Winter Sports |
Included as Standard if passenger only |
Soccer |
Level 1 |
If Organised Games |
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 |
War Games/Paint Balling |
Standard |
Eye protection must be worn |
| Water Polo | Standard | |
Water Skiing |
Standard |
No Personal Liability 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 |
Yachting |
Standard |
Only if Qualified - No Racing |