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
Marathon running – not professional
Paint balling/war games
Paragliding/parascending – over water only when attached to a speedboat*
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)
Winter Sports covers:
Skiing off-piste with a qualified instructor
Snowboarding off-piste with a qualified instructor
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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