Our policies include our independently rated 5 star Covid cover, 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 we need to make you aware of the following:
Prior To Travel: You will be covered for cancellation of your trip if you fall ill with Covid or are required to self isolate by Track and Trace or the NHS Covid App and cannot travel. You will not be covered if you need to cancel due to government restriction on travel or if you will need to quarantine either at your destination or on return home.
During Your Trip: You will be covered if you are denied boarding at your departure point (ie Airport, Cruise or Train terminal) due to detected symptoms of Covid. You are also covered for reasonable additional transport and/or accommodation expenses costs if you need to extend your stay due to compulsory Covid quarantine (for example if you are required to self isolate due to you testing positive or being a close contact of someone who tests positive). If you fall ill with Covid you are covered if you need medical treatment or repatriation to the UK. You will not be covered if you wish to return early to avoid a requirement to quarantine on your return.
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.
Our policies are valid for travel to the countries shown on your certificate of insurance. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information.
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 25Kg, work at a higher level than two storeys, or any form of work underground.
| Sport / Activity | Category | Important Information |
|---|---|---|
| Abseiling | Category B | Within organiser's guidelines |
| 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 | Within organiser's guidelines |
| 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 | Within organiser's guidelines |
| 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 | |
| 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 |
| Driving motorised vehicles (excluding Quad bikes) | Included | General Exclusions Apply, see page 13 of the wording. No Personal Liability Cover to General Exclusions Apply, see page 9 of the wording. 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 | |
| Gorge Scrambling/Walking | Category C | Must be supervised and safety equipment worn |
| Gorilla Trekking | Included | |
| 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 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 | Not professional |
| Modern Pentathlon | Category B | |
| Mono Skiing | Winter Sports | |
| 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 | |
| Netball | Included | |
| Off Piste Skiing/Snowboarding | Winter Sports | Within local ski patrol guidelines |
| Orienteering | Category B | |
| 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 | |
| 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 | Except racing |
| 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 | Wearing pads & helmets |
| 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 | On piste |
| 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 | Wearing pads and helmets |
| Summer Tobogganing | Category B | |
| Surfing | Included | |
| Swimming | Included | |
| Swimming with Dolphins | Included | |
| 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 | |
| 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 | |
| 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 | |
| Water Skiing | Included | |
| 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 |
