hazardous pursuits

You will be covered for taking part in any Adventure/Hazardous Pursuit listed below without extra charge, subject to any terms, conditions or restrictions stated alongside the activity and the terms, conditions and exclusions of the Policy. If you are going to take part in any activity which may be considered dangerous or Hazardous that is not detailed below please refer to the link to Category 3 & Category 4 or contact us to see if we can provide cover.

Please note that Sports/Pastimes/Activities in CATEGORY 1 marked with an asterisk * do not include Section H – Personal Liability Cover and those marked with two asterisks ** do not include Section C – Personal Accident Cover.

In any event you will not be covered for liability caused directly or indirectly by you owning or using any firearms or weapons, animal, aircraft, motorised vehicle, boat and other watercraft, or any form of motorised leisure equipment, including jet skis and snowmobiles. This cover is usually provided by the hirer/operator and you are advised to check with them.

Cover under Section C (Personal Accident) of Policy Wording is not included for Category 2, 3 or 4 activities. Cover for activities that are considered Hazardous Pursuits are included for recreational and amateur purposes only and not for competitions or any professional activity unless specifically agreed. You are required to ensure the activity is adequately supervised and that appropriate safety equipment (such as protective head wear, life jackets etc.) are worn at all times. You must not participate in such Hazardous Pursuits for more than 90 days in any one Period of Insurance.

  • Category 1 activities/hazardous pursuits

  • Aerobics
    Covered
  • Amateur Athletics (track and field)
    Covered
  • Covered
  • Assault Course
    Covered
  • Covered
  • Banana Boating*/Water Sled*
    Only as a passenger with no right of control.
  • Beach Games (Volley ball, beach mini golf, Frisbee, boules, petanque)
  • Billiards/Snooker/Pool
  • *Black Water Rafting/Cave Tubing (up to Grade 3 only as passenger)
    Only as a passenger with no solo right of control up to max Grade 3 Waters only.
  • Blade Skating
  • Body Boarding/Boogie Boarding
  • Bowls
  • Bungee Jumping (Max 3 Jumps)**
    Only as a short duration incidental day excursion with a licensed public hirer.
  • Canoeing/Kayaking
    Inland & coastal waters only. Max grade 2 waters only.
  • Must be adequately supervised and as part of organised activity instructed by professional organisers & within organisers guidelines). No Personal Liability cover.
  • Croquet
  • Curling
  • Cycling (On Road)
    On road, no racing.
  • Small non-motorised hand/foot/sail propelled watercraft with a max 4 person Capacity. Inland & coastal waters only. Max grade 2 waters only.
  • Fell Walking/Running
    No climbing covered.
  • Fencing 
    Only when adequately supervised and as part of organised activity instructed by professional organisers & within organisers guidelines). No Personal Liability cover.
  • Falconry**
  • Fishing (course fishing/Angling)
  • Flying
    Only as a fare paying passenger in a fully licensed passenger carrying aircraft.
  • Fives
  • Football/Soccer (Amateur)
    Amateur only.
  • *Glass Bottom Boat/Bubbles
    Only as a fare paying passenger with no right of control.
  • Karting/Go Karting*
    Excludes Super Karts. Only as a short duration incidental day excursion Activity with a licensed public hirer, instructed by professional organisers and within organisers guidelines). No Personal Liability cover.
  • Handball
  • Hiking/Walking up to 2,500 metres
    Recognised trails and man-made roads.
  • Hurling
    Amateur only and not main purpose of trip.
  • Jogging
  • Korfball
  • Lapland Activates (Husky/Reindeer Ride, Snowmobile *, Sledging* Short Day Trips) Excludes Bobsleighs
    No Personal Liability cover.
  • Octopush
  • No climbing covered.
  • Refereeing (amateur only)
    Amateur only.
  • Ringo
  • Roller Blading/in Line Skating
  • Rowing*/*River Canoeing
    Inland & coastal waters only. Max grade 2 waters only. No Personal Liability cover.
  • Running
    Recreational, non-competitive.
  • Sail Boarding*
    Inland & coastal waters only. No Personal Liability cover.
  • Sledging (not on snow)
  • Softball
  • Spear fishing (without tanks)
  • No Competitions. Inland and Coastal waters only. No Personal Liability cover.
  • Swimming
  • Swimming with dolphins
  • Swimming/Bathing with Elephants
  • Sydney Harbour Bridge
  • Tennis/Table Tennis
  • Ten Pin Bowling
  • Trampolining
  • Track Events
  • Tree Canopy Walking
  • Trekking up to 3500m
    Up to 3,500m on organized tours and recognized routes. Search & Rescue for medical reasons only. Cover for trekking involving technical climbing or altitudes in excess of 3500m is NOT included.
  • Tug of War
  • Wake Boarding
  • Whale Watching
  • White Water Rafting only as a passenger with no solo right of control. Up to Grade 3 water only*
    As a passenger with no solo right of control. Up to grade 3. Inland waters only. No Personal Liability cover.
  • Windsurfing/Sailboarding *
    Inland & coastal waters only. Max grade 3 waters only. No Personal Liability cover.
  • *Wind Tunnel Flying
    Pads and helmets to be worn. NO Personal Liability cover.
  • Zip lining
    Safety harness must be worn.
  • **Zorbing/Hydro Zorbing/Sphering
    Safety harness must be worn.
  • Category 2 activities/hazardous pursuits

    £150 Excess applies to Medical Expenses Claims / No Personal Accident cover and No Personal Liability cover.

  • Abseiling
    Within organisers guidelines.
  • Administrative or Clerical Occupations
    Includes voluntary work.
  • Archaeological Digging
  • Up to Grade 2 slopes only and does not include skateparks (see Category 3).
  • Camel Riding
  • Territorial Waters Only.
  • Elephant riding/Trekking
  • Horse Riding
    Excluding competitions, racing, jumping and hunting, headgear must be worn. No Personal Liability cover.
  • Hovercraft Passenger
  • Hot Air Ballooning
    Fare paying passenger only on a One Day Excursion. Not as a pilot or ballooning safaris.
  • Jet Boating
    Only as a short duration incidental day excursion with a licensed public hirer. Inland & coastal waters only, No Racing.
  • Jet Skiing
    No Racing. Only as a short duration incidental day excursion with a licensed public hirer. Inland & coastal waters only.
  • Training only & no contact.
  • Training only & no contact.
  • Training only & no contact.
  • Training only & no contact.
  • Motorcycling (Max 250cc)
    Safety helmet must be worn. No off road.
  • Manual Occupations Inc Voluntary Work *
    Use of hand tools and working at ground level only. No Personal Liability cover.
  • Paintballing/War Games
    Wearing eye protection.
  • Parascending
    Must be licensed operator with professional guide and only in EU, EEA, USA, Canada, Australia & New Zealand.
  • Pony Trekking
    Wearing protective gear.
  • Power Boating
    No racing and non-competitive, inland and territorial waters only.
  • Sailing/Yachting
    Includes amateur racing competitions, inland and territorial waters only.
  • Safari Trekking (Organised Tours Only)
    Not involving the use of firearms. Must be licensed operator with professional guide.
  • Sand Boarding
  • Sand Dune Surfing/Sand skiing
  • Sand Yachting
    No racing.
  • Scuba Diving to maximum depth 30 metres
    Providing PADI/BSAC Certificate of Proficiency held, or diving with a qualified instructor, otherwise no cover. Subject to endorsement in Appendix C.
  • Students working
    Students working as counsellors or university exchangesfor practical course work (manual work at ground level using no more than hand tools).
  • Street Hockey
  • Tall Ship Crewing
    No Racing.
  • Volunteer Work
    Includes manual work at ground level using no more than hand tools.
  • War Games/Paint Balling
    Eye & body protection must be worn. No Personal Liability cover.
  • Water Skiing/Water Ski Jumping
    No Personal Liability cover.
  • Includes Volunteer work / manual work at ground level using no more than hand tools.

We accept