Click here to view common scenarios to help you understand how your policy covers Coronavirus*
Any policy sold by Outbacker includes cover for any medical claim due to Coronavirus* while travelling so long as you are travelling to an area where no FCO advice against travel exists. We include cover for cancellation due to you falling ill with Coronavirus* and being unable to travel or being required to self isolate, subject to medical certification or an official test result. We additionally include cover for curtailment due to the death of a close relative due to Coronavirus*
Any new** policy will not cover any cancellation due to government restriction on travel due to Coronavirus* or any future pandemic (for example the FCO advising against all travel or all but essential travel to your destination or your flights being cancelled).
Any policy sold by Outbacker will (where normally included in your chosen cover level) continue to benefit from all other cover including but not limited to Emergency Medical Costs, Scheduled Airline and End Supplier Failure, Baggage including Gadget and Passports, Personal Accident and Liability.
For the full limits of cover for your chosen policy please refer to your schedule of cover. Terms and Conditions apply.
* Coronavirus (COVID-19), severe acute respiratory syndrome coronavirus (SARS-COV-2) or other Pandemic Illness.
** If your policy was purchased prior to the 13th March 2020 this restriction does not apply.
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 25Kg, work at a higher level than two storeys, or any form of work underground.
| Sport / Activity | Category | Important Information |
|---|---|---|
| Abseiling | Category B | |
| Aerobics | Included | |
| Air Boarding | 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 | |
| Bar Work | Included | Licensed premises only, no heavy lifting |
| Baseball | Included | |
| Basketball | Included | |
| Battle Re-enactment | Category B | Professionally organised and without live ammunition |
| Beach Games | Included | |
| Biathlon | Included | |
| Bigfoot Skiing | Winter Sports | |
| 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 | |
| Boogie Boarding | Included | |
| Bowling Bowls | Included | |
| Breathing Observation Bubble (30m) | Included | |
| Bungee Jumping | Included | Must be adequately supervised and full safety equipment used - Maximum of 3 jumps in any one trip |
| Camel Riding | Category B | No Personal Liability Cover |
| Canoeing (Grade 1 rivers) | Included | |
| Canoeing (Grade 2 or 3 Rivers) | Category B | |
| Canoeing (Grade 4 and 5) | Category C | |
| Canopy Walking on fixed structure walkways | Included | |
| Canopy Walking with ropes | Category B | |
| Cascading | Category C | |
| Cat Skiing/Boarding | Winter Sports | |
| Catamaran Sailing | Included | No Personal Liability Cover |
| Cave Tubing | Category B | |
| Caving/Pot Holing | Category C | |
| Clay Pigeon Shooting | Included | No Personal Liability Cover |
| Clerical and Office Work | Included | |
| Climbing Indoor | Category B | |
| Cookery Courses | Included | |
| Cricket | Included | Cover provided if part of a non-professional tournament or competition |
| Croquet | Included | |
| Cross Country Running | Included | |
| Cross Country Skiing | Winter Sports | |
| Curling | Winter Sports | |
| Cycle Touring | Category B | |
| Cycling | Included | |
| Darts | Included | |
| Deep Sea Fishing | Category B | |
| Dinghy Sailing | Included | No Personal Liability Cover |
| Dog Sledding | Included | |
| Dragon Boating | Included | No Personal Liability Cover |
| Dry Slope Boarding | Category B | |
| Dry Slope Skiing | Category B | |
| Dune/Wadi Bashing | Category B | |
| Elephant Trekking | Included | Must be with official organisers - No Personal Liability Cover |
| Equestrian Events | Category B | |
| 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 25Kg and no cover for the use of power tools or farm machinery |
| Gaelic Football | Category B | |
| Glacier Skiing | Winter Sports | |
| Glacier Walking to 4,000 meters | Winter Sports | |
| Go Karting | Category B | No Personal Liability Cover |
| Golf | Included | Cover provided if part of a non-professional tournament or competition |
| 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 | |
| Hiking, Walking, Rambling, Hill Walking and Trekking (4,000-5,000 meters) | Category B | |
| Hiking, Walking, Rambling, Hill Walking and Trekking (below 4,000 meters) | Included | |
| Hockey | Category B | |
| Horse Grooms | Category B | |
| Horse Riding (not polo/jumping/hunting) | Category B | |
| Hot Air Ballooning | Included | Organised pleasure rides as a fare paying passenger only |
| Hurling | Category B | |
| Husky Sledge Ride | Included | Organised and non-competitive with an experienced local driver. Insured can drive themselves if supervised by an experienced local driver |
| Hydro Speeding | Category B | |
| Ice Curling | Winter Sports | |
| Ice Hockey | Winter Sports | |
| Ice Skating | Winter Sports | |
| Inline Skating | Included | |
| Iron Man (amateur) | Category B | 3 event version only (swimming, cycling and running) |
| Jet Boating | Included | No Personal Liability Cover |
| Jet Skiing | Included | No Personal Liability Cover |
| Jogging | Included | |
| Judo | Category B | |
| Karate | Category B | |
| Kayaking (Grade 1 rivers) | Included | |
| Kayaking (Grade 2 or 3 Rivers) | Category B | |
| Kayaking (Grade 4 and 5) | Category C | |
| Kendo | Category B | |
| Kite Buggying | Category B | No Personal Liability Cover |
| Kite Skiing/Snowboarding | Winter Sports | No Personal Liability Cover |
| Kite Surfing land/water | Category B | No Personal Liability Cover |
| Kloofing | Category C | |
| Korfball | Included | |
| Lacrosse | Category B | |
| Langlauf | Winter Sports | |
| Lifeguards (non beach) | Category B | Cover for swimming pools, leisure only |
| Marathon Running | Category B | |
| Martial Arts | Category B | |
| Modern Pentathlon | Category B | |
| Mono Skiing | Winter Sports | |
| Motorcycling | Included | General Exclusions Apply, see page 13 of the wording. No Personal Liability Cover |
| Mountain Biking | Included | 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 2,500 Metres above sea level. |
| Mountain Boarding | Category B | |
| Mud Buggying | Category B | No Personal Liability Cover |
| Netball | Included | |
| Off Piste Skiing/Snowboarding | Winter Sports | Within local ski patrol guidelines |
| Orienteering | Category B | Walking only without the use of mechnaised vehicles |
| Ostrich Riding | Category C | Must be with official organisers |
| Paintballing | Included | Must wear eye protection - No Personal Liability Cover |
| Paragliding | Category C | |
| Parasailing | Included | |
| Parascending (over water) | Included | |
| Parascending over land | Category B | |
| Pistol Shooting | Included | No Personal Liability Cover. Target shooting within a controlled environment or club only |
| Pony Trekking | Included | |
| Pool Rafting | Included | |
| Pot Holing | Category C | |
| Rackets | Included | |
| Racquetball | Included | |
| Rambling | Included | |
| Rap Jumping | Category C | Must be with official organisers |
| Refereeing | Included | Must be on an amateur basis |
| Retail Work | Included | Excluding lifting or carrying items that exceed 25Kg |
| Reverse Bungee Jumping | Included | Must be adequately supervised and full safety equipment used - Maximum of 3 jumps in any one trip |
| Rifle Shooting | Included | No Personal Liability Cover. Target shooting within a controlled environment or club only |
| Ringos/Doughnuts | Included | |
| River Bugging | Category C | |
| River Tubing | Category B | |
| Rock Climbing | Category C | Must be organised and take adequate safety precautions |
| Rock Scrambling | Category B | Must be organised and take adequate safety precautions |
| Roller Blading | Included | |
| Roller Hockey | Category B | |
| Roller Skating | Included | |
| Rounders | Included | |
| Rowing | Included | |
| Rugby League | Category C | |
| Rugby Sevens | Category C | |
| Rugby Union | Category C | |
| Running (not long distance) | Included | |
| Safari | Included | No guns. Must be organised by a bona fide tour operator |
| Safari (with guns) | Category B | |
| Safari Trekking in a vehicle | Included | No guns. Must be organised by a bona fide tour operator |
| Safari Trekking on foot | Included | No guns. Must be organised by a bona fide tour operator |
| Sail Boarding | Included | No Personal Liability Cover |
| Sailing | Included | Within a 12 mile limit of the coastline - No Personal Liability Cover |
| Sand Boarding | Category B | |
| Sand Dune Surfing/Skiing | Category B | |
| Scrambling | Category B | |
| Scuba Diving (30 metres) | Category B | Must be qualified/with an instructor |
| Scuba Diving to 18 metres if qualified or with an instructor | Included | Must be qualified/with an instructor |
| Sea Canoeing | Category B | |
| Sea Kayaking | Category B | |
| Shark Diving In a Cage | Category B | |
| Shinty | Category B | |
| Skateboarding | Included | |
| Ski Randonee | Winter Sports | |
| Ski Touring | Winter Sports | |
| Ski-dooing | Winter Sports | No Personal Liability |
| Ski/Snow Biking | Winter Sports | |
| Ski/Snow Blading | Winter Sports | |
| Skiing | Winter Sports | |
| Sky Diving | Category C | |
| Sky Jump from Auckland Sky Tower | Category B | Must be adequately supervised |
| Sledging/Sleighing | Winter Sports | |
| Snooker | Included | |
| Snorkelling | Included | |
| Snow Mobiling | Winter Sports | No Personal Liability |
| Snowboarding | Winter Sports | |
| Soccer | Category B | |
| Softball | Included | |
| Speed Skating | Winter Sports | |
| Squash | Included | |
| Street Dancing | Included | |
| Street Hockey | Category B | Must wear helmet and pads |
| Summer Tobogganing | Category B | |
| Surfing | Included | Cover provided if part of a non-professional competition. No Personal Liability Cover |
| Swimming | Included | |
| Swimming with Dolphins | Included | Must be with official organisers |
| Swimming with Stingrays | Included | Must be with official organisers |
| Sydney Harbour Bridge (walking across clipped onto safety line) | Included | Must be supervised and full safety equipment used |
| Sydney Harbour Bridge Walk | Included | Must be adequately supervised and full safety equipment used |
| Table Tennis | Included | |
| Tae Kwon Do | Category B | |
| Tall Ship Sailing | Category B | |
| Tandem Skydive (Supervised) | Category B | |
| Ten Pin Bowling | Included | |
| Tennis | Included | |
| Tobogganing | Winter Sports | |
| Touch Football | Category B | |
| Touch Rugby | Category B | |
| Trampolining | Included | |
| Tree-top Walking on fixed structure walkways | Included | |
| Trekking (4,000-5,000 meters) | Category B | |
| Trekking up to 4000m (above sea level) | Included | |
| Triathlon | Category B | If non-professional tournament or competition |
| Tug of War | Included | |
| Ultimate Frisbee | Included | |
| Via Ferrata | Category C | |
| Volleyball | Included | |
| Wake Boarding | Included | No Personal Liability Cover |
| Walking Hill (up to 4,000 meters) | Included | |
| War Games | Included | Must wear eye protection. No Personal Liability Cover |
| Water Polo | Included | |
| Water Ski Jumping | Category C | No competitions |
| Water Skiing | Included | No competitions. No Personal Liability Cover |
| White Water Canoeing (Grade 1 to 3) | Category B | |
| White Water Rafting (Grade 1 to 3) | Category B | |
| Windsurfing | Included | No competitions. No Personal Liability Cover |
| Yachting | Included | Within a 12 mile limit of the coastline - No Personal Liability Cover |
| Yoga | Included | |
| Zip Lining | Included | Must be adequately supervised and full safety equipment used |
| Zorbing | Category B |
