Click to get a quoteCall us on 0800 170 7704

Activities

Over 100 activities included FREE

One of the most rewarding elements of going on holiday can be the activities you take part in. Perhaps you go away specifically to take part in a sporting pursuit. On the other hand your time away may give rise to the opportunity to try something different.

Either way, Free Spirit allows you to be active with confidence while you travel. Listed below are 4 activity packs available on your policy – including over 100 as standard.

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

Of course, the most important thing is to stay safe! To participate in any sport or leisure activity, you must ensure 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. Failure on any of these points will invalidate a claim.

All activities are covered on a non-professional and non-competitive basis. In other words, where there is no element of payment, sponsorship, fee or prize money involved above a total of £200.

Activity Pack 1 – included as standard

  • 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
  • Beach Games
  • Body Boarding
  • Boogie Boarding
  • Boules
  • Bowling
  • Bowls
  • Bridge Swinging*
  • Bungee Jumping*
  • Camel/Elephant Riding or Trekking (UK Booked)
  • Canoeing/Kayaking (White Water Grades 1-3)*
  • Catamaran 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)
  • Glass Bottom Boats (inshore)
  • 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)
  • Mountaineering (in a group – all up to 1,000m)
  • Netball
  • Orienteering
  • Paddle Boarding (inshore)
  • Paintballing
  • Pentanque
  • Peteca
  • Pigeon Racing
  • Pony Trekking
  • Pool
  • Quoits
  • Rackets
  • Racquetball
  • Rafting (white water grades 1-3)*
  • Rifle Range*
  • Ringos
  • River Punting
  • Roller Blading/Skating (not ice)
  • Rounders
  • Rowing (inshore – recreational)*
  • Safari/Safari Trekking (UK Organised)
  • Sailing/Yachting (recreational – inshore)
  • Scuba diving (not solo – up to a maximum 30m)*
  • Segway (supervised, non-competitive)
  • Skate Boarding/Scooters (non-motorised)
  • Snorkelling (inside marked areas and/or with lifeguard present – inshore)
  • Softball
  • Squash
  • Stoolball
  • Swimming (inside marked areas and/or with lifeguard present)
  • Swimming off a Boat (with a qualified supervisor in attendance –  i.e. a lifeguard – inshore)
  • Swimming with Dolphins (inside marked areas and/or with lifeguard present – inshore)
  • Sydney Harbour Bridge Climbing (professionally organised and supervised)
  • Table Tennis
  • Tennis
  • Theme Parks
  • Tubing*
  • Tug of War
  • Unicycle Riding
  • Volleyball
  • Wakeboarding (inshore)
  • Water Parks
  • Water Polo (swimming pools only)
  • Whale Watching (professionally organised)
  • Yachting (inshore – crewing)*
  • Yoga

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

Activity Pack 2 – additional premium required

  • Abseiling (indoor/outdoor climbing wall up to 25m)*
  • Airsoft***
  • Camel/Elephant Riding or Trekking (non-UK booked, organised tour only)*
  • Climbing Wall (indoor/outdoor, up to 25m)*
  • Cycle Touring/Leisure Biking (between 1,001m & 2,000m)**
  • Fell Running (between 1,001m & 2,000m)*
  • Hiking/Mountain Walking/Rambling/Trekking (in a group, between 1,001m & 2,000m)*
  • Mountain Biking (between 1,001m & 2,000m -excludes downhill)**
  • Parasailing/Parascending (over land or water – Europe only)***
  • Safari/Safari Trekking (non-UK booked, organised tour only)*
  • Sea Canoeing/Kayaking (under qualified supervision – inshore)**
  • Sea Fishing (inshore)**
  • Shark Cage Diving***
  • Summer Tobogganing***
  • Surfing***
  • Water Skiing (inshore)**
  • Windsurfing (inshore)**

Please Note:

  • the Medical excess is increased to £150 whilst participating in any of the activities within Activity Pack 2.
  • An activity marked with * means the benefits under the Personal Accident section are reduced by 50%
  • An activity marked with ** means the benefits under the Personal Accident section are reduced by 50%
    and there is no cover under the Personal Liability section.
  • An activity marked with *** means there is no cover provided under the Personal Accident or Personal Liability Sections.

Activity Pack 3 – additional premium required

  • Breathing Observation Bubble (BOB)
  • Canoeing/Kayaking (white water Grades 4 -5)
  • Cycle Touring/Leisure Biking (between 2,001m & 3,000m)
  • Fell Running (between 2,001m & 3,000m)
  • Gorilla Trekking (non-UK booked, organised tour only, in a group and up to 1,000m)
  • Hiking/Mountain Walking/Rambling/Trekking (in a group, between 2,001m & 3,000m)
  • Hydro Zorbing
  • Mountain Biking (between 2,001m & 3,000m – excludes downhill)
  • Octopush
  • Rafting (white water Grades 4-5, Europe only)
  • Sand Boarding
  • Sand Dune Skiing/Surfing
  • Tree Top Walks

Please Note: the Medical excess is increased to £200 and no cover is provided under the Personal Accident or Personal Liability sections whilst participating in the activities included in Activity Pack 3.

Activity Pack 4 – additional premium required

  • Cycle Touring/Leisure Biking (between 3,001m & 4,000m)
  • Fell Running (between 3,001m & 4,000m)
  • Gorge Walking (no ropes)
  • Hiking/Mountain Walking/Rambling/Trekking (in a group, between 3,001m & 4,000m)
  • Kite Boarding/Buggying/Surfing
  • Land Yachting
  • Mountain Biking (between 3,001m & 4,000m – excludes downhill)
  • Via Ferratta

Please Note: the Medical excess is increased to £250 and no cover is provided under the Personal Accident or Personal Liability sections whilst participating in the activities included in Activity Pack 4.

Need cover for Winter Sports?

Specific cover for Winter sports is available as an option.

Read more on specific winter sports cover

  • Testimonials

    I couldn’t find any record of my mum’s insurance and Mary helped me by sending several emails and by forwarding me the documents. I must commend Mary …
    J.Howcroft Middlesex
    To read reviews click here
  • Ask Mary

    Free Spirit Manager, Mary Holt is a recognised expert in medical screening and in underwriting travel insurance for people with medical conditions. You can read Mary’s Q&As or ask Mary a question directly.
    Read Q&As
    Ask Mary

Stay in touch

Our newsletter gives you the freedom to travel with confidence. Tips, hints and guides – along with the occasional special offer – straight into your inbox. Sign up today!