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Over 100 activities included FREE

If you intend to participate in any sport or leisure activity, you must ensure that your usual treating G.P. is happy for you to do so and that you follow the safety guidelines for the activity concerned and where applicable you use the appropriate and recommended safety equipment. This would include the use of safety helmets, life jackets, safety goggles and protective clothing where appropriate.

Cover under Personal Liability is excluded whilst participating in any activity involving the use of airborne, waterborne or under water craft, (other than manually propelled row boats, punts, canoes and sailing dinghy’s), mechanically propelled vehicles (other than golf buggies used on golf courses and not on public roads), firearms and arising from the course of your employment. Personal Liability is also excluded when participating in any racing activity.

You are covered for any sport or activity listed when participating on an amateur basis.

If you intend to participate in any activity not listed in ‘Acceptable Activities’ listed below, please contact us.

Acceptable Activities

  • Aerobics
  • Amateur Athletic Field Events
  • Amateur Athletic Track Events
  • Angling/Fishing (freshwater)
  • Animal Sanctuary (non big game)
  • Archery*
  • Badminton
  • Bamboo Rafting
  • Banana Boating
  • Bar Work
  • Baseball
  • Basketball
  • Billiards
  • Bird Watching
  • Board & Card games
  • Body Boarding
  • Boules
  • Bowling
  • Bowls
  • Bridge Swinging*
  • Bungee Jumping*
  • Camel/elephant riding/trekking (UK Booked)
  • Camping
  • Canoeing/Kayaking (White Water Grades 1-3)*
  • Caravanning
  • Catamaran/dinghy sailing (inshore)*
  • Clay pigeon shooting*
  • Cricket
  • Croquet
  • Cross country running
  • Curling
  • Cycle Touring/Leisure Biking (up to 1,000m)
  • Dancing
  • Darts
  • Disc Golf
  • Diving (indoor up to 5m)
  • Dragon Boat Racing
  • Fell Running (up to 1,000m)
  • Fencing
  • Fives
  • Flag Football
  • Flying as a passenger (private/small aircraft/helicopter)*
  • Football/Soccer – Practice and Training
  • Frisbee (recreational)
  • Golf
  • Gorilla Trekking (Booked pre-trip –in a group – up to 1,000m)
  • Handball – Practice and Training
  • Highland Games
  • Hockey (field – organised amateur match)
  • Horse riding (no jumping)
  • Hot Air Ballooning*
  • Indoor Skating (not ice)
  • Jet Boating*
  • Jet Skiing*
  • Kiting
  • Korfball
  • Laser Tag
  • Low Ropes
  • Marathons
  • Mini-Golf
  • Model Flying
  • Model Sports
  • Motorcycling up to 125cc on public roads for up to 14 days per trip (no racing – must possess a licence allowing you to ride an equivalent motorcycle in the UK or Channel Islands)*
  • Mountain Biking (up to 1,000m)
  • Netball
  • Orienteering
  • Pentanque
  • Peteca
  • Pigeon Racing
  • Pony Trekking
  • Pool
  • Quoits
  • Rackets
  • Racquetball
  • Rafting (white water Grades 1-3)*
  • Re-Enactment
  • Rifle Range*
  • Ringos
  • River Punting
  • Roller Blading/Skating (not ice)/Skate Boarding/Scooters (non-motorised)
  • Rounders
  • Rowing (inshore – recreational)*
  • Safari (UK organised)
  • Safari Trekking (UK Organised)
  • Sailing/Yachting (recreational – inshore)
  • Scuba diving (not solo – up to a maximum 30m)*
  • Segway (supervised, non-competitive)
  • Snorkelling (inside marked areas and/or with lifeguard present)
  • Softball
  • Squash
  • Stoolball
  • Swimming (inside marked areas and/or with lifeguard present)
  • Swimming off a Boat (with qualified supervisor in attendance –  i.e. a lifeguard)
  • Swimming with Dolphins (pool, not open water)
  • Sydney Harbour Bridge Climbing (professionally organised & supervised)
  • Table Tennis
  • Ten Pin Bowling
  • Tennis
  • Theme Parks
  • Trekking/Mountain Walking/Hiking/Rambling/Mountaineering (in a group – all up to 1,000m)
  • Tubing*
  • Tug of War
  • Unicycle Riding
  • Volleyball
  • WaterParks
  • Whale Watching (professionally orgainsed)
  • Yachting (inshore – crewing)
  • Yoga

Please Note: those activities marked with an asterisk (*) do not have Personal Accident or Personal Liability cover.

Need cover for Winter Sports?

Specific cover for Winter sports is available as an option.

Read more on specific winter sports cover

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