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.

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
• Archery
  Covered
• Assault Course
  Covered
• Badminton
  Covered
• Banana Boating*/Water Sled*
  Only as a passenger with no right of control.
• Baseball
  Covered
• Basketball
  Covered
• Beach Games (Volley ball, beach mini golf, Frisbee, boules, petanque)
  Covered
• Billiards/Snooker/Pool
  Covered
• *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
  Covered
• Body Boarding/Boogie Boarding
  Covered
• Bowls
  Covered
• 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.
• Clay Pigeon Shooting **
  Must be adequately supervised and as part of organised activity instructed by professional organisers & within organisers guidelines). No Personal Liability cover.
• Cricket
  Covered
• Croquet
  Covered
• Curling
  Covered
• Cycling (On Road)
  On road, no racing.
• Deep Sea Fishing
  Covered
• *Dinghy Sailing
  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**
  Covered
• Fishing (course fishing/Angling)
  Covered
• Flying
  Only as a fare paying passenger in a fully licensed passenger carrying aircraft.
• Fives
  Covered
• 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.
• Golf
  Covered
• Handball
  Covered
• Hiking/Walking up to 2,500 metres
  Recognised trails and man-made roads.
• Hurling
  Amateur only and not main purpose of trip.
• Jogging
  Covered
• Korfball
  Covered
• Lacrosse
  Covered
• Lapland Activates (Husky/Reindeer Ride, Snowmobile *, Sledging* Short Day Trips) Excludes Bobsleighs
  No Personal Liability cover.
• Marathon Running
  Covered
• Netball
  Covered
• Octopush
  Covered
• Orienteering
  No climbing covered.
• Racket Ball
  Covered
• Rambling
  Covered
• Refereeing (amateur only)
  Amateur only.
• Ringo
  Covered
• Roller Blading/in Line Skating
  Covered
• Roller Skating
  Covered
• Rounders
  Covered
• 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.
• Skate Boarding
  Covered
• Sledging (not on snow)
  Covered
• Snorkelling
  Covered
• Softball
  Covered
• Spear fishing (without tanks)
  Covered
• Squash
  Covered
• Surfing*
  No Competitions. Inland and Coastal waters only. No Personal Liability cover.
• Swimming
  Covered
• Swimming with dolphins
  Covered
• Swimming/Bathing with Elephants
  Covered
• Sydney Harbour Bridge
  Covered
• Tennis/Table Tennis
  Covered
• Ten Pin Bowling
  Covered
• Trampolining
  Covered
• Track Events
  Covered
• Tree Canopy Walking
  Covered
• 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.
• Triathlon
  Covered
• Tug of War
  Covered
• Volley Ball
  Covered
• Wake Boarding
  Covered
• Water Polo
  Covered
• Whale Watching
  Covered
• 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
  Covered
• BMX Riding
  Up to Grade 2 slopes only and does not include skateparks (see Category 3).
• Camel Riding
  Covered
• Catamaran Sailing
  Territorial Waters Only.
• Elephant riding/Trekking
  Covered
• Gymnastics
  Covered
• Heptathlon
  Covered
• Horse Riding
  Excluding competitions, racing, jumping and hunting, headgear must be worn. No Personal Liability cover.
• Hovercraft Passenger
  Covered
• 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.
• Judo
  Training only & no contact.
• Karate
  Training only & no contact.
• Kung Fu
  Training only & no contact.
• Martial Arts
  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
  Covered
• Sand Dune Surfing/Sand skiing
  Covered
• 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
  Covered
• 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.
• Working Abroad
  Includes Volunteer work / manual work at ground level using no more than hand tools.

In addition to cover for Category 1 and 2 activities you can extend cover to the Category 3 activities below for an additional premium 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 more dangerous or Hazardous that is not detailed below please click on the link to Category 4 or contact us to see if we can provide cover.

• Category 3 activities/hazardous pursuits

  Additional Premium of £35. £300 Excess applies to Medical Expenses Claims / No Personal Accident cover and No Personal Liability cover.

• Black Water Rafting
  Grade 4. Only as a passenger with no solo right of control.
• Boxing/Kickboxing
  Training only & no contact for Kickboxing.
• BMX activities
  Skate Park activities. Protective head gear must be worn.
• Canoeing/Kayaking
  Inland & coastal waters only. Up to grade 3 waters.
• Dry Skiing
  Covered
• Heli Skiing
  Must be licensed operator with professional guide and only in Europe, USA, Canada, Australia & New Zealand. Within organisers guidelines and only as part of a pre-paid excursion led by professional guides/organisers.
• Hockey
  Protective head gear to be worn.
• Kite Surfing
  With licensed operator in EU, EEA, USA, Canada, Australia and New Zealand. Within organisers guidelines and only as part of a pre-paid excursion led by professional guides/organisers.
• Mountain Biking/Cycling off road
  Wearing a helmet and no racing. Up to Grade 2 slopes only.
• Paragliding
  With licensed operator in EU, EEA, USA, Canada, Australia and New Zealand. Within organisers guidelines and only as part of a pre-paid excursion led by professional guides/organisers.
• Quad Biking
  Protective gear must be worn. No racing. With licensed operator in EU, EEA, USA, Canada, Australia and New Zealand. Within organisers guidelines and only as part of a pre-paid excursion led by professional guides/organisers.
• Small Bore Target/Rifle Range Shooting
  Within organisers guidelines.
• Rock Climbing (Not Mountain climbing)
  With licensed operator in EU, EEA, USA, Canada, Australia and New Zealand. Within organisers guidelines and only as part of a pre-paid excursion led by professional guides/organisers.
• Rugby
  Amateur (Union/League).
• Weight Lifting
  With licensed operator in EU, EEA, USA, Canada, Australia and New Zealand. Within organisers guidelines and only as part of a pre-paid excursion led by professional guides/organisers.
• White Water Rafting Grades 4 & 5
  Only as a passenger with no solo right of control.

This will also include Category 1, 2 & Category 3 activities

In addition to cover for Category 1 and 2 activities you can extend cover to the Category 4 activities below that will be covered under your insurance policy if you have paid the appropriate additional premium and this has been noted on your policy schedule, subject to the terms, conditions and exclusions within this policy. Please note the restrictions that apply to individual Activities and note that the following restrictions apply to all Activities shown below.

All Activities have NO cover under “Section C – Personal Accident” of Policy Wording and NO cover under “Section H – Personal Liability.”

• Category 4 activities/hazardous pursuits

  Additional Premium of £70 / £500 Excess applies to Medical Expenses Claims / No Personal Accident cover and No Personal Liability cover.

• American Football
  Covered
• Bobsleigh
  With licensed operator in EU, EEA, USA, Canada, Australia and New Zealand.
• Cave Diving
  With licensed operator in EU, EEA, USA, Canada, Australia and New Zealand.
• Canyoning
  Maximum Grade 5. Protective gear must be worn.
• Flying
  Flying - recreational flying as a pilot (if current appropriate licence held).
• Gliding/Hang Gliding
  With licensed operator in EU, EEA, USA, Canada, Australia and New Zealand.
• High Diving
  With licensed operator in EU, EEA, USA, Canada, Australia and New Zealand.
• Ice Hockey
  Covered
• Luging/Tobogganing
  With licensed operator in EU, EEA, USA, Canada, Australia and New Zealand.
• Parachuting
  With licensed operator in EU, EEA, USA, Canada, Australia and New Zealand.
• Polo
  Covered
• Pot Holing
  With licensed operator in EU, EEA, USA, Canada, Australia and New Zealand.
• Scuba To Max 50m
  Scuba diving up to max 50metres. Providing PADI/BSAC Certificate of Proficiency held otherwise no cover. Subject to endorsement in Appendix C.
• Shooting/Hunting
  With licensed operator in EU, EEA, USA, Canada, Australia and New Zealand.
• Skydiving
  Tandem jumps with an instructor – no solo diving. It should be performed with licensed operator in EU, EEA, USA, Canada, Australia and New Zealand.