All our policies include cover for Covid-19 as standard, to help you decide if this cover is suitable for your needs please view our dedicated Covid Page which explains how your cover applies in a number of circumstances.
While we recommend you read our Covid Page to understand in more detail the cover we include as standard the information below provides you with an overview of the core cover.
Our policies DO NOT require you to be vaccinated against Covid. Please note however that our policies do not offer any cover if you fail to hold the relevant documentation as required by your airline (or other public transport such as a cruise ship or train) or destination country. For example if your destination country requires you to provide either proof of being fully vaccinated or a current negative test certificate and you are denied boarding/entry due to not providing valid documents there is no cover under our policies.
Our policies do not cover the costs of Covid testing or vaccination either prior to, during, or post your trip.
Please note that all cover noted above is subject to terms and conditions.
Our policies all include over 100 sports and activities as standard, many more can be added for an additional premium. The full list of available sports and activities (subject to terms and conditions contained within the policy wording) are:
If you are participating in any other sports or activities not mentioned, please telephone our customer helpline on 0203 475 4682 as we may be able to offer cover for an additional premium. Details of those sports and activities which you have purchased cover for will be added to your insurance validation certificate
Working Abroad
Please check the list below to ensure any work you are participating in is listed. Please note that there is no Personal Liability cover while working. We exclude work involving the lifting or carrying of heavy items in excess of 25 kgs, use of power tools or machinery, work involving the use of scaffolding or ladders, working at a height above 6m, any electrical or construction work or any form of work underground.
Sports & Activities (categories B & C), and Winter Sports, will only be covered if the relevant add-on pack has been purchased with your policy.
Sports & Activities (categories B & C) can be purchased from your Customer Zone on a defined daily basis.
* There is no cover for Personal Liability for the marked sports and activities
The excess for Medical emergency and repatriation expenses is increased to £250 if you make a medical claim as a result of participating in any of the listed Category C activities.
| Sport / Activity | Category | Important Information |
|---|---|---|
| Abseiling | Category B | Within organisers guidelines |
| Administrative work* | Included | |
| Aerobics | Included | |
| Alpine Mountain Biking | Category C | No racing, competitions or extreme downhill mountain biking - e.g. a very steep course which was specifically designed to be used by professional cyclists only). All protective clothing (e.g. helmet) must be worn. Height restriction of 4,000 Metres above sea level |
| Amateur athletics | Category B | |
| American football | Category C | |
| Angling | Included | |
| Archery | Included | |
| Assault courses | Category B | |
| Badminton | Included | |
| Bamboo rafting | Category B | |
| Banana boating | Included | Within organisers guidelines |
| Bar work* | Included | Licensed premises only no heavy lifting |
| Baseball | Included | |
| Basketball | Included | |
| Battle re-enactment | Category B | Professionally organised and no live ammunition |
| Beach games | Included | |
| Black water rafting | Category C | |
| BMX riding - stunt/obstacle | Category C | No racing, no competitions. All protective clothing to be worn. Height restriction of 4,000 Metres above sea level |
| Board sailing | Included | |
| Body boarding | Included | |
| Body flying/wind tunnel flying | Category B | Wearing pads and helmets |
| Boogie boarding | Included | |
| Bowling/Bowls | Included | |
| Breathing observation bubble | Included | Up to depth of 30 metres |
| Bungee jumping | Included | Within organisers guidelines and wearing full safety equipment, maximum 3 jumps per trip |
| Camel Riding* | Category B | |
| Canoeing (grade 1 rivers) | Included | |
| Canoeing (grade 2 or 3 rivers) | Category B | |
| Canoeing (grades 4 and 5) | Category C | |
| Canopy walking on fixed structure walkways | Included | |
| Canopy walking with ropes | Category B | |
| Caring for children (au pair/ nanny)* | Included | |
| Cascading | Category C | |
| Catamaran sailing* | Included | If qualified and no racing |
| Cave tubing | Category B | |
| Caving/pot holing | Category C | |
| Clay pigeon shooting* | Included | |
| Clerical and office work* | Included | |
| Climbing indoor | Category B | On climbing wall |
| Cookery courses | Included | |
| Cricket | Included | Including amateur tournaments or competitions |
| Croquet | Included | |
| Cross country running | Included | |
| Cross country skiing/Nordic skiing | Winter Sports | |
| Cycle touring | Category B | |
| Cycling | Included | Wearing a helmet where required and excluding any participation in extreme events, racing or competitions. No cover for cycle touring, mountain biking or BMX riding - see separately listed activities |
| Darts | Included | |
| Deep sea fishing | Category B | |
| Dinghy sailing* | Included | |
| Dragon boating* | Included | |
| Driving motorised vehicles (excluding Quad bikes)* | Included | You must be licensed to drive in the UK (other than in races, motor rallies off road or competitions) and wearing a helmet if driving a motorbike, moped, scooter or assisted bicycle and wearing a seatbelt when travelling in a motorised vehicle where a seatbelt is available for use |
| Dry slope boarding | Category B | |
| Dry slope skiing | Category B | |
| Dry slope skiing/boarding | Winter Sports | |
| Dune/wadi bashing | Category B | |
| Elephant trekking* | Included | Must be with official organisers |
| Equestrian events | Category B | Wearing a helmet and excluding competitions, racing, jumping and hunting |
| Fell running | Category B | |
| Fell walking | Included | |
| Fencing | Category B | |
| Fishing | Included | |
| Fives football/soccer | Category B | Not part of a professional tournament |
| Fruit picking* | Included | Excluding heavy items in excess of 25 KG and not including the use of power tools and machinery |
| Gaelic Football | Category B | |
| Go Karting* | Category B | |
| Golf | Included | Including amateur tournaments or competitions |
| Gorge scrambling/walking | Category C | Must be supervised and safety equipment worn |
| Gorilla trekking | Included | Must be with official organisers |
| Gymnastics | Category B | |
| Handball | Included | |
| Hang gliding | Category C | |
| Harness racing | Category C | |
| High ropes/Go ape | Category B | Amateur only and not main purpose of the trip |
| Hiking/walking/rambling/hill walking/trekking (between 4,000 and 5,000 meters above sea level) | Category B | |
| Hiking/walking/rambling/hill walking/trekking (up to 4,000 metres above sea level) | Included | |
| Hockey | Category B | |
| Horse Grooms* | Category B | |
| Horse riding | Category B | Wearing a helmet and excluding competitions, racing, jumping and hunting |
| Hot air ballooning | Included | Organised pleasure rides as a fare paying passenger |
| Hurling | Category B | |
| Husky dog sledding | Winter Sports | Organised non-competitive and with experienced local driver |
| Hydro speeding | Category B | |
| Ice cricket | Winter Sports | |
| Ice go-carting | Winter Sports | Within organisers guidelines and no liability cover |
| Ice hockey | Winter Sports | |
| Ice skating | Included | |
| Ice windsurfing | Winter Sports | No liability cover |
| Inline skating | Included | Wearing pads and helmets |
| Iron Man | Category B | Amateur only. 3 event version only (swimming, cycling and running) |
| Jet boating* | Included | Excluding racing and/or competitions |
| Jet skiing* | Included | Excluding racing and/or competitions |
| Jogging | Included | |
| Judo | Category B | |
| Karate | Category B | |
| Kayaking (grade 1 rivers) | Included | |
| Kayaking (grade 2 or 3 rivers) | Category B | |
| Kayaking (grades 4 and 5) | Category C | |
| Kendo | Category B | |
| Kick sledging | Winter Sports | |
| Kite buggying* | Category B | |
| Kite surfing land/water* | Category B | |
| Kloofing | Category C | |
| Korfball | Included | |
| Lacrosse | Category B | |
| Lifeguards* | Category B | Swimming pools only (leisure only) |
| Marathon running | Category B | |
| Modern pentathlon | Category B | |
| Mountain biking* | Included | No racing, competition's or extreme downhill mountain biking - e.g. a very steep course which was specifically designed to be used by professional cyclists only. All protective clothing (e.g. helmet) must be worn. Height restriction of 2,500 metres above sea level. |
| Mountain boarding | Category B | |
| Mud buggying* | Category B | |
| Netball | Included | |
| Non-retail work* | Category B | Including occasional light manual work, but not including the use of power tools and machinery |
| Orienteering | Category B | Walking only without the use of mechanised vehicles |
| Ostrich Riding | Category C | Must be officially organised |
| Paddle boarding | Included | |
| Paintballing* | Included | Wearing eye protection |
| Paragliding | Category C | |
| Parasailing | Included | |
| Parascending (over water) | Included | |
| Parascending over land | Category B | |
| Pistol shooting* | Included | Target shooting within a controlled environment or club only |
| Pony trekking | Included | Wearing a helmet |
| Pool rafting | Included | |
| Pot holing | Category C | |
| Rackets | Included | |
| Racquetball | Included | |
| Rambling | Included | |
| Rap jumping | Category C | Must be officially organised |
| Refereeing | Included | Amateur only |
| Retail trade including manual work* | Category B | Not including the use of power tools and machinery |
| Reverse bungee jumping | Included | Within organisers guidelines and wearing full safety equipment, maximum 3 jumps per trip |
| Rifle shooting* | Included | Target shooting within a controlled environment or club only |
| Ringos/doughnuts | Included | |
| River bugging | Category C | |
| River tubing | Category B | |
| Rock climbing | Category C | Within organisers guidelines and wearing full safety equipment |
| Rock scrambling | Category B | Within organisers guidelines and wearing/using full safety equipment |
| Roller blading | Included | Wearing pads and helmets |
| Roller hockey | Category B | Wearing pads and helmets |
| Roller skating | Included | Wearing pads and helmets |
| Rounders | Included | |
| Rowing | Included | |
| Rugby league | Category C | |
| Rugby sevens | Category C | |
| Rugby union | Category C | |
| Running | Included | Not long distance |
| Safari | Included | No guns and must be organised tour |
| Safari trekking in a vehicle | Included | No guns and must be organised tour |
| Safari trekking on foot | Included | No guns and must be organised tour |
| Safari with guns | Category B | Must be organised tour |
| Sail boarding* | Included | |
| Sailing within a 12 mile limit of the coastline* | Included | If qualified or accompanied by a qualified person and no racing |
| Sand boarding | Category B | |
| Sand dune surfing/skiing | Category B | |
| Scrambling | Category B | |
| Scuba diving to 18 metres | Included | If qualified or accompanied by qualified instructor and not diving alone |
| Scuba diving up to depth of 30 metres | Category B | If qualified or accompanied by qualified instructor and not diving alone |
| Sea canoeing/kayaking | Included | Within sight of land |
| Sea kayaking | Category B | |
| Shark diving in a cage | Category B | |
| Skateboarding | Included | Wearing pads and helmets |
| Ski | Winter Sports | |
| Ski biking | Winter Sports | |
| Ski boarding | Winter Sports | |
| Ski run walking | Winter Sports | |
| Ski-doing/snow mobiling* | Winter Sports | |
| Skiing cross country | Winter Sports | |
| Skiing off piste | Winter Sports | With a guide. A piste is a recognised and marked ski run within the resort boundaries. |
| Skiing on piste | Winter Sports | A piste is a recognised and marked ski run within the resort boundaries. |
| Skiing-mono | Winter Sports | |
| Skiing-nordic | Winter Sports | |
| Sky diving | Category C | Within organisers guidelines and wearing full safety equipment |
| Sky Jump from Auckland Sky Tower | Category B | Must be adequately supervised |
| Sledging tobogganing on snow | Winter Sports | |
| Sledging/sleigh riding* | Winter Sports | Pulled by a horse or reindeer as a passenger |
| Snooker | Included | |
| Snorkelling | Included | |
| Snow biking | Winter Sports | |
| Snow blading | Winter Sports | |
| Snow boarding off piste | Winter Sports | With a guide. A piste is a recognised and marked ski run within the resort boundaries. |
| Snow boarding on piste | Winter Sports | A piste is a recognised and marked ski run within the resort boundaries. |
| Snow bobbing | Winter Sports | |
| Snow carving | Winter Sports | Using non powered hand tools only and not working above 3 metres from the ground |
| Snow go karting | Winter Sports | No liability cover |
| Snow mobiling/skidooing* | Winter Sports | No liability cover |
| Snow scooting* | Winter Sports | |
| Snow shoe walking up to 3,500 metres above sea level | Winter Sports | |
| Snow tubing | Winter Sports | |
| Snowcat driving* | Winter Sports | |
| Soccer | Category B | |
| Softball | Included | |
| Squash | Included | |
| Street dancing | Included | |
| Street hockey | Category B | Wearing pads and helmets |
| Summer tobogganing | Category B | |
| Surfing* | Included | Including amateur tournaments or competitions |
| Swimming | Included | |
| Swimming with dolphins | Included | Must be with official organisers |
| Swimming with stingrays | Included | Must be with official organisers |
| Sydney harbour bridge | Included | Walking across clipped onto safety line |
| Table tennis | Included | |
| Tae kwon do | Category B | |
| Tall ship sailing* | Category B | |
| Tandem skydive | Category B | Must be adequately supervised |
| Teaching* | Included | Language and musical instruments. No use of power tools/and or machinery |
| Telemarking | Winter Sports | |
| Ten pin bowling | Included | |
| Tennis | Included | |
| Touch football | Category B | |
| Touch rugby | Category B | |
| Trampolining | Included | |
| Tree-top walking on fixed structure walkways | Included | |
| Trekking (between 4,000 and 5,000 meters above sea level) | Category B | |
| Trekking up to 4000m (up to 4,000 metres above sea level) | Included | |
| Triathlon | Category B | Including amateur tournaments or competitions |
| Trikke riding* | Included | Organised tours only, wearing correct safety equipment including a helmet |
| Tug of war | Included | |
| Ultimate frisbee | Included | |
| Via ferrata | Category C | |
| Volleyball | Included | |
| Wake boarding* | Included | |
| Walking hill (up to 4,000 metres above sea level) | Included | |
| War games* | Included | Wearing eye protection |
| Water parks | Included | |
| Water Polo | Included | |
| Water ski jumping | Category C | No competitions |
| Water Skiing* | Included | No tournaments or competitions |
| White water canoeing (grades 1 to 3) | Category B | |
| White water rafting (grade 1 to 3) | Category B | |
| Windsurfing* | Included | No tournaments or competitions |
| Winter walking up to 3,500 metres above sea level | Winter Sports | Using crampons and ice picks only |
| Working with turtles* | Included | |
| Yachting within a 12 mile limit of the coastline | Included | If qualified or accompanied by a qualified person and no racing |
| Yoga | Included | |
| Zip lining | Included | Safety harness must be worn |
| Zorbing | Category B |
