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.
Must be adequately supervised and as part of organised activity instructed by professional organisers & within organisers guidelines). No Personal Liability cover.
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.
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.
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.
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.
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.
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.
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.
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.
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 must be carried out within organisers guidelines and will only be covered as part of a pre-arranged/organised activity led or instructed by professional guides or organisers.
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.
