Our policies include our independently rated 5 star COVID-19 cover, to help you decide if this cover is suitable for your needs please view our dedicated Coronavirus Page which explains how your cover applies in a number of circumstances.
While we recommend you read our Coronavirus 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-19 or are required to self isolate by Track and Trace or the NHS COVID-19 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 if you fall ill with COVID-19 and you need medical treatment, repatriation to the UK or to extend your stay incurring additional costs. You will not be covered if you wish to return early to avoid a requirement to quarantine on your return.
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 | |
| 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 |
