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Hazardous Sports & Activities


Our Sports and Activites cover can be added on to our travel insurance products meaning that you can get involved in amateur sports and other hazardous activities such as snorkelling, horse-riding, jet skiing etc, without worrying about the risk of personal injury or medical costs. Though they're fun and can be a great experience some sports and activity holidays can put you at risk of getting injured, which means you need to make sure you have insurance that will cover your emergency medical costs when you're doing these sports and activities.

Our Grade 1 list of sport and activities are covered as standard on our Single Trip, Annual Multi-trip, Backpacker and Study Abroad Insurance, meaning that there are 50+ sports/activities you can take part in without selecting additional sports/activities cover. However, if you plan on doing a high risk sport or activity while you're away, have a look at the grading below. Adding the right sport cover on to your travel insurance is quick and easy.

Get an online quote now or call 0161 772 3395 to talk to someone in our UK call centre.

Am I covered for Wintersports?

No- our wintersports cover is separate to our sports and activities cover. If you're going Skiing, Snowborading etc, take a look at our Wintersports cover which comes with the additional benefits and ski hire and equipment, piste closure, avalanche etc.

Grade 1 Hazardous Sports & Activities The following activities are included within the cover as standard, as long as they are amateur activities, conducted under adequate supervision and on an incidental basis.
  • Archery
  • athletics (including athletics scholarships)
  • badminton
  • baseball
  • basketball (excluding basketball scholarships)
  • beach games
  • bungee jumping
  • canoeing (excluding white water canoeing of any grade)
  • clay pigeon shooting
  • cricket
  • cycling (excluding BMX or mountain biking)
  • dinghy sailing
  • fell walking (under 2,500 metres altitude)
  • fencing,fishing (excluding wade fishing)
  • football (excluding football/soccer scholarships)
  • golf (including golf scholarships)
  • handball (excluding handball scholarships)
  • hiking (under 2,500 metres altitude)
  • horse riding (excluding jumping, hunting, polo and racing)
  • hot air ballooning which has been booked in the UK prior to departure
  • jet boating
  • jet skiing
  • jogging
  • marathon running
  • motorcycling up to 50cc (Providing rider holds a full driving licence and is wearing a crash helmet)
  • netball
  • orienteering
  • outward-bound pursuits
  • paintballing
  • parascending (over water)
  • pony trekking
  • racquetball
  • rambling
  • river canoeing
  • roller skating
  • roller blading
  • rounders
  • rowing
  • safari (if pre-booked through UK operator,excluding the use of firearms)
  • sail boarding
  • sailing (if qualified or as part of an organised activity in territorial waters only)
  • scuba diving up to 15 metres (excluding solo dives and no dives less than 24 hours before departure)
  • skate boarding
  • snorkelling
  • squash
  • surfing
  • tennis
  • track events
  • trekking (under 2,500 metres altitude)
  • triathlon
  • volleyball
  • war games
  • water polo (amateur)
  • water skiing
  • white water rafting (Grades 1 to 3)
  • windsurfing
  • yachting (if qualified or as part of an organised activity in territorial waters only).
Grade 2 Hazardous Sports & Activities
  • Basketball scholarships
  • black water rafting as an organised activity (Grade 1 to 3 only)
  • boxing training (no contact)
  • bungee jumping (up to 3 additional jumps)
  • camel riding
  • cycle touring
  • field hockey
  • flying as passenger in a private plane
  • football/soccer scholarships
  • go karting (specific use)
  • handball scholarships
  • hiking (between 2,501 and 4,000 metres altitude)
  • field hockey
  • hot air ballooning (non incidental)
  • jet skiing (non incidental)
  • kayaking
  • manual labour (ground level only, no machinery)
  • martial arts (training only)
  • use of motorcycles between 50cc and 350cc
  • mountain biking
  • parascending (over water, non incidental)
  • rambling (between 2,501 - 4,000 metres altitude)
  • safari (non-UK organised)
  • scuba diving (non incidental; down to 40 metres)
  • sea canoeing
  • sea fishing (non incidental)
  • surfing (amateur)
  • trekking (between 2,501 and 4,000 metres altitude)
  • waterskiing
  • windsurfing
  • snorkelling (non incidental)
  • wintersports (extend to 31 days per policy under the annual multi trip policy)
Grade 3 Hazardous Sports & Activities
  • Abseiling
  • american football (amateur)
  • gliding
  • parachuting
  • paragliding
  • parascending (over land)
  • rugby (amateur)
  • sand yachting
  • sky diving except in the USA (2 jumps maximum)
  • snow mobiling
  • tandem sky diving (up to 2 jumps per trip)
Grade 4 Hazardous Sports & Activities
  • Canyoning
  • hang gliding
  • High diving (amateur, excluding cliff diving)
  • horse jumping (no polo, hunting)
  • kite surfing
  • micro lighting
  • parasailing
  • rock climbing (under 2,000m)
  • rock scrambling (under 4,000m)
Please note that the Insurer will:
  • not cover any child aged under 10, who is not supervised by an adult when participating in a hazardous sport or activity; or
  • not cover any person aged 66 or over, who is participating in a hazardous sport or activity; or
  • not provide any cover if you receive any financial reward or gain as a result of participating in the hazardous sport or activity; or
  • not pay any personal liability claim, which arises directly or indirectly, as a result of you participating in a grade 2,3 or 4 hazardous sport or activity; or
  • reduce the Personal Accident benefits shown in the Schedule of Benefits by 50% , in respect of any claim which arises directly or indirectly as a result of you participating in a grade 2,3 or 4 hazardous sport or leisure activity.
  • amend the excess shown in the Schedule of Benefits under the Emergency Medical Expenses and Repatriation section in respect of any claim which arises directly or indirectly as a result of you participating in a Grade 2,3 or 4 hazardous sport or activity to £250 (grade 1) / £400 (grade 2) for UK policies &  €250 (grade 1) / €400 (grade 2)  for ROI policies.
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