Activities Included
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.
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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.
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.
Activity Pack 1 - Included as Standard
1a These sports and activities are covered as standard with no restrictions in cover (no additional premium is required)
- Aerobics
- Amateur Athletic Field Events
- Amateur Athletic Track Events
- Angling/Fishing (freshwater)
- Animal Sanctuary (non big game)
- Badminton
- Bamboo Rafting
- Banana Boating
- Bar Work
- Baseball
- Basketball
- Beach Games
- Body Boarding
- Boogie Boarding
- Boules
- Bowling
- Bowls
- Camel/Elephant Riding or Trekking (UK Booked)
- Catamaran Sailing (inshore)
- 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
- 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)
- Indoor Skating (not ice)
- Kiting
- Korfball
- Laser Tag
- Low Ropes
- Marathons
- Mini-Golf
- Model Flying
- Model Sports
- 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
- Ringos
- River Punting
- Roller Blading/Skating (not ice)
- Rounders
- Safari/Safari Trekking (UK Organised)
- Sailing/Yachting (recreational – inshore)
- 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
- Tug of War
- Unicycle Riding
- Volleyball
- Wakeboarding (inshore)
- Water Parks
- Water Polo (swimming pools only)
- Whale Watching (professionally organised)
- Yoga
1b The sports and activities below are covered as standard (no additional premium is required). However, there is no cover under Cover Section G – Personal Accident or Cover Section H – Personal Liability for any claim arising directly or indirectly from participating in these activities.
- Archery
- Bridge Swinging
- Bungee Jumping
- Canoeing/Kayaking (White Water Grades 1-3)
- Clay Pigeon Shooting
- Flying as passenger (in a private/small aircraft/helicopter licensed to carry passengers)
- Hot Air Ballooning
- Jet Boating
- Jet Skiing
- 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 United Kingdom, the Channel Islands or the Isle of Man)
- Rafting (white water Grades 1-3)
- Rifle Range
- Rowing (inshore – recreational)
- Scuba Diving (not solo, up to maximum 30m)
- Tubing
- Yachting (inshore – crewing).
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Activity Pack 2 - Additional Premium Required
If you have paid the additional premium to cover the activities as shown in Activity Packs 2a, 2b and 2c below then the activities shown will be covered. There are however some reductions in the benefits payable under certain sections of cover, and/or cover may not be provided under certain cover sections. Please see the information provided under each Activity Pack 2a, 2b and 2c below for full details.
The excess payable under Cover Section 1B – Emergency Medical & Associated Expenses is increased to £150 whilst participating in any of the activities within Activity Packs 2a, 2b or 2c.
2a Please note that the benefit payable for any claim made under Cover Section G – Personal Accident will be reduced to 50% of the amount shown in the Table of Benefits on page 3 of this Policy Document where the claim results from your participation in the following activities.
- Abseiling (indoor/outdoor climbing wall up to 25m)
- Camel/Elephant Riding or Trekking (booked after your departure on your trip, organised tour only)
- Climbing Wall (indoor/outdoor, up to 25m)
- Fell Running (between 1,001m & 2,000m)
- Hiking/Mountain Walking/Rambling/Trekking (in a group, between 1,001m & 2,000m).
- Safari/Safari Trekking (booked after your departure on your trip organised tour only)
2b Please note that the benefit payable for any claim made under Cover Section G – Personal Accident will be reduced to 50% of the amount shown in the Table of Benefits on page 3 of this Policy Document where the claim results from your participation in the following activities. There is also no cover provided under Cover Section H – Personal Liability for any claim resulting from your participation in the following activities.
- Cycling Touring/Leisure Biking (between 1,001m & 2,000m)
- Mountain Biking (between 1,001m & 2,000m – excludes downhill)
- Sea Canoeing/Kayaking (under qualified supervision – inshore)
- Sea Fishing (inshore)
- Sea Canoeing/Kayaking (under qualified supervision – inshore)
- Water Skiing (inshore)
- Windsurfing (inshore)
2c Please note that there is no cover under Cover Section G – Personal Accident or Cover Section H – Personal Liability for any claim resulting from your participation in the following activities.
- Airsoft
- Parasailing/Parascending (over land or water – Europe only)
- Shark Cage Diving
- Summer Tobogganing
- Surfing
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Activity Pack 3 - Additional Premium Required
If you have paid the additional premium to cover the activities as shown below then the activities shown will be covered. However, please note that there is no cover under Cover Section G – Personal Accident or Cover Section H – Personal Liability for any claim resulting from your participation in the following activities.
The excess payable under Cover Section 1B – Emergency Medical & Associated Expenses is increased to £200 whilst participating in any of the activities within Activity Pack 3.
- 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 (booked after your departure on your trip 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
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Activity Pack 4 - Additional Premium Required
If you have paid the additional premium to cover the activities as shown below then the activities shown will be covered. However, please note that there is no cover under Cover Section G – Personal Accident or Cover Section H – Personal Liability for any claim resulting from your participation in the following activities.
The excess payable under Cover Section 1B – Emergency Medical & Associated Expenses is increased to £250 whilst participating in any of the activities within Activity Pack 4.
- 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
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With a Free Spirit medical travel insurance policy, you gain the peace of mind to travel knowing that you are fully covered with the confidence to enjoy different activities.
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