• Do you cover activities and sports that I may want to do on holiday?

    It depends on the activity you want to take part in. You are not covered for claims caused by you taking part in winter sports (unless you have paid to add Winter Sports Cover to your policy), manual work, mountaineering, potholing, riding or driving in any kind of race, flying (except as a passenger in a fully-licensed passenger carrying aircraft) or doing any other dangerous activity.
    However, the following are automatically covered -

    Abseiling – professionally organized and supervised
    Archery – properly supervised

    Camel riding – not racing
    Canoeing/rafting – excluding white water rafting up to category 2

    Catamaran sailing – up to 12 miles from coast only
    Clay-pigeon shooting – organized event

    Cycling – transport only – excludes mountain biking and BMX
    Deep sea fishing – game fishing *

    Dinghy sailing – up to 12 miles from coast only
    Dry slope skiing

    Fell walking – no picks or ropes

    Football – not professional, semi-professional or major competition or tournament
    Gliding – not piloting and subject to flying with qualified pilot

    Go-karting – up to 20cc
    Hiking/walking/trekking – no ropes or equipment and on recognised routes

    Horse riding – excluding jumping, hunting and competition
    Hot air ballooning – licensed operation only, not piloting

    Jet skiing
    Marathon running – not professional

    Paint balling/war games

    Paragliding/parascending – over water only when attached to a speedboat*
    Pony trekking

    Quad biking – only if wearing a helmet and protective clothing and in a controlled environment and not participating in any race or competition, and the quad bike is not more than 125cc
    Safaris without guns – professionally organised tours only

    Suba diving to 30 metres (increased to 40 metres if you hold a recognised diving qualification which shows you are competent to make the dive)


    Wind surfing

    Winter Sports covers:

    Skiing on-piste
    Skiing off-piste with a qualified instructor

    Snowboarding on-piste
    Snowboarding off-piste with a qualified instructor

    Cross-country skiing

    Downhill skiing

    Heli skiing*
    Ice skating

    Mogul skiing


    To view full the terms and conditions, you can download a copy of the policy booklet on our Travel Insurance website.

    * Under Personal Liability cover, you will not be covered for liability caused directly or indirectly by you owning or using any aircraft, motorised vehicle, boat or any form of motorised leisure equipment.
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