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Hazardous Pursuits

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.
  • 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.
  • 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.
  • 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.

We accept