Hazardous Activities

Category 1 Sports and Leisure Activities

The following activities are automatically included within the cover when participating on an amateur basis:


Archery, if adequately supervised, badminton, baseball, basketball, beach games, bungee jumping (up to 1 jump), canoeing, clay pigeon shooting, cricket, cycling (other than specified), deep sea fishing, dinghy sailing, dragon racing, fell walking, fencing, fishing, football, Frisbee, golf, hiking (under 2000 metres altitude), horse riding (up to 7 days), hot air ballooning which has been organised in the UK/ROI prior to departure, ice skating, jet boating, jet ski-ing, jogging, korfball, marathon running, motorcycling up to 50cc, netball, orienteering, outward bound pursuits, paintballing, parascending (over water), pony trekking, racquetball, rambling, river canoeing, roller skating, roller blading, rounders, rowing, running-sprint/long distance, safari (UK/ROI organised), sail boarding, sailing within territorial limits, scuba diving up to 15 metres if adequately supervised, snow mobiling, snow sledging, snorkelling, squash, surfing (under 14 days), tobogganing, tennis, track events, trekking (under 2000 metres altitude), triathlon, ultimate frisbee, volleyball, war games, water polo, water ski-ing, white water rafting (Grade 1 to 4), windsurfing, work abroad including manual work being restricted to bar work and fruit picking (not involving the use of agricultural machinery), yachting (racing/crewing inside territorial waters)


The following activities are not included in the definition:


White water canoeing, BMX or mountain biking, horse jumping, hunting on horseback, polo on horseback, scuba diving within 24 hours prior to departure.


The following activities are considered to be hazardous sports h& leisure activities. You will only be covered whilst participating on an amateur basis in this hazardous sport or leisure activity, if you have paid the appropriate additional premium before your trip commenced and the activity is shown on your certificate.

The underwriter will not:

  • cover any child aged under 10, who is not supervised by an adult when participating in a hazardous sport or leisure activity; or
  • cover any person aged 66 or over, who is participating in a hazardous sport or leisure activity; or
  • provide any cover if you receive any financial reward or gain as a result of participating in the hazardous sport or leisure activity; or
  • pay any personal liability claim, which arises directly or indirectly, as a result of you participating in a hazardous sport or leisure activity.

Category 2 Hazardous Sports & Leisure Activities

The following activities are included when the appropriate additional premium has been paid and when participating on an amateur basis:


Boxing training (no contact), Bungee jumping (up to 3 jumps), camel riding, cave rafting, cycle touring, dinghy sailing (competitive), dog sledging, elephant riding, expedition training/winter mountaineering skill training, flying as passenger in a private plane, helicopter or light aircraft, go karting (specific use), gymnastics, hiking (between 2,000 and 4,000 metres altitude), hockey, horse riding and pony trekking (over 7 days), hot air ballooning (non-UK/ROI organised), hydro zorbing, kayaking, lacrosse, manual work up to heights of 3 metres (excluding the use of mechanical machinery), martial arts (training only), use of motorcycles over 50cc, mountain biking (excluding downhill or extreme riding), 4x4 off-roading, quad biking, rugby, safari (non-UK/ROI organised and not involving the use of firearms), scuba diving between 15 and 30 metres in depth over 14 days, sea canoeing, surfing (over 14 days, amateur), trekking (between 2,000 and 4,000 metres altitude).


The following activities are not included in the definition:


Hunting on horseback, polo on horseback, horse jumping, hot air ballooning organised in the UK/ROI prior to travel, safari’s organised in the UK/ROI, scuba diving within 24 hours prior to departure, scuba diving below 30 metres in depth.



Category 3 Hazardous Sports & Leisure Activities

The following activities are included when the appropriate additional premium has been paid and when participating on an amateur basis:


Abseiling, American football, gliding, outdoor endurance events, parascending (over land), sailing (outside territorial waters), sand boarding, sand yachting, white water canoeing, white water rafting (grade 5 to 6 inclusive), yachting (racing / crewing) – outside territorial waters.



Category 4 Hazardous Sports & Leisure Activities

The following activities are included when the appropriate additional premium has been paid and when participating on an amateur basis:


Animal riding (other than specified), BMX cycling, bob sleighing, canyoning, hang gliding, heli-skiing, horse jumping, ice hockey, land yachting, luging, off-piste skiing, rock scrambling, scuba diving (between 30 and 40 metres in depth) if BSAC, PADI, DIWA, SSI or SSA member, show jumping, skateboarding, ski blading, snowboarding (competitive), trekking/hiking (between 5000 and 6000 metres altitude), wrestling.


The following are not included in the definition:


Hunting on horseback, polo on horseback, major events, parachute jumping in the USA, scuba diving if you are not BSAC, PADI, DIWA, SSI or SAA member. scuba diving within 24 hours prior to departure.