| Activity |
Notes |
| Abseiling |
Adequately supervised, excludes Personal Accident Cover |
| Activity Centre Holidays |
Adequately supervised |
| Aerobics |
|
| Angling |
|
| Archery |
Excludes Personal Liability cover |
| Athletics |
|
| Badminton |
|
| Banana Boating |
Licensed organiser, excludes Personal Accident cover and Personal Liability cover |
| Baseball |
|
| Basketball |
|
| Beach Games |
|
| BMX Biking |
No stunting or racing, excludes Personal Accident cover and Personal Liability cover |
| Bowls |
|
| Bungee Jumping |
No personal accident cover |
| Camping |
|
| Canoeing |
Up to grade 3, no open water/sea or slalom |
| Casual work including Manual Labour |
Excludes Personal Accident cover and Personal Liability cover |
| Clay pigeon shooting |
Excludes Personal Liability cover |
| Climbing wall |
Adequately supervised |
| Cricket |
Amateur, includes including indoor cricket |
| Curling |
|
| Cycling |
Including mountain biking on mountain paths and roads, appropriate safety equipment/headgear to be worn, no competitions, no extreme mountain biking, no racing, excludes Personal Liability cover |
| Cycle Touring |
Excludes Personal Liability cover |
| Dance |
Amateur only |
| Darts |
|
| Deep sea fishing |
Inside coastal waters within 12 miles of coastline, not commercial or competition |
| Dinghy Sailing |
|
| Elephant Trekking |
|
| Farm Holidays |
|
| Fell walking |
|
| Fencing |
|
| Fishing |
Angling |
| Fitness training |
|
| Football* |
Amateur only and not main purpose of trip, excludes Personal Accident cover and Personal Liability cover |
| Frisbee |
|
| Go-carting |
Excludes Personal Liability cover |
| Golf |
Excludes Personal Liability cover |
| Hiking and/or Trekking |
Up to 2,500 metres |
| Hill walking |
|
| Hockey |
Field only |
| Horse riding and or trekking |
Casual riding, protective head gear to be worn, excluding jumping trials, jumping, hunting, and competitive riding |
| Hot air ballooning |
As a passenger only, and only as day excursion |
| Ice skating |
|
| Jet skiing |
Excludes Personal Liability cover |
| Jogging |
|
| Kayaking |
Up to grade 3 |
| Keep fit training |
|
| Kite flying |
Traditional |
| Lacrosse |
|
| Marathon running |
Amateur |
| Netball |
|
| Orienteering |
|
| Quad biking |
Excludes Personal Accident cover and Personal Liability cover |
| Paint balling |
|
| Parapending |
Behind motorised vehicle, excludes Personal Accident cover and Personal Liability cover |
| Parascending over water |
Licensed organiser |
| Passenger light aircraft/helicopter |
Passenger only, licensed passenger carrier |
| Pony trekking |
|
| Power boating |
Passenger only, excludes Personal Liability cover |
| Racquet ball |
|
| Rambling |
|
| Road running |
|
| Roller blading |
|
| Roller skating |
|
| Rounders |
|
| Rowing |
|
| Running |
Amateur |
| Safaris in motor vehicles or on foot organised tour only |
No guns |
| Sail boarding |
Excludes Personal Liability cover |
| Sailing |
Inshore/ coastal waters – within 12 miles of coastline, excludes Personal Liability cover |
| Scuba diving to 30 metres |
PADI qualified or diving with qualified instructor, no solo diving, no shooting |
| Skateboarding |
|
| Skating |
|
| Snooker |
|
| Snorkelling |
|
| Squash |
|
| Surfing |
|
| Table tennis |
|
| Ten pin bowling |
|
| Tenniw |
|
| Trekking and/or Hiking up to 2,500 metres |
|
| Trampolining |
|
| Tug of war |
|
| Volleyball |
Beach |
| Wake boarding |
Excluding jumping, competitions, excludes Personal Liability cover |
| Walking |
|
| Water polo |
|
| Water skiing |
Excluding jumping, competitions, excludes Personal Liability cover |
| Weight training |
|
| White water rafting |
Up to grade 3 |
| Windsurfing |
Within 12 miles of coastline |
| Yachting |
Inshore / coastal waters - within 12 mile of coastline, excludes Personal Liability cover |
| Zip climbing |
Excludes Personal Liability cover |
| Zip wiring |
Excludes Personal Liability cover |
| Additional Sporting Activity cover for Explorer and Adventure: |
| Gliding |
Excludes Personal Accident cover and Personal Liability cover |
| Martial Arts and Martial Arts training |
Excludes Personal Accident cover and Personal Liability cover |
| Parachuting |
Excludes Personal Accident cover and Personal Liability cover |
| Sky diving |
Excludes Personal Accident cover and Personal Liability cover |
| Trekking and/or Hiking up to 6,000 metres |
Excludes Personal Liability and Personal Accident cover over 2,500 metres |
| White water rafting/kayaking/canoeing |
Excludes Personal Liability and Personal Accident cover over grade 3 |
