What activities do you cover?

Only the exact amateur sporting and adventure activities listed below can be considered under your policy, subject to the conditions and exclusions shown.

What this article helps you do

Use this article to check a sport, leisure activity, excursion, adventure activity or activity holiday before taking part.

Applies to

Applicable policies: Silver, Gold, Gold Plus and Platinum
Activity type: Amateur sporting and adventure activities
Exact-list rule: The full activity name and description must appear in the table
Not included: Similar, related or differently described activities that are not separately listed
Checked separately: Winter sports

Quick answer

Find the exact activity name in the table.
Treat wording in brackets as part of the activity conditions.
Use only the result shown for your policy.
Meet any special conditions shown for that exact activity and policy type.
Check Activity holiday if the activity is the main purpose of your trip.
If the exact activity is not listed, it is not covered as an amateur sporting or adventure activity.

Match the exact activity

A shared word, similar name, equipment, technique or setting is not enough. Do not transfer a result from one activity to another.

A different grade, height, depth, route, terrain, vehicle, craft or method is a different activity unless included in the listed name. Winter sports must be checked separately.

Conditions for listed activities

For every listed activity, you must:

Wear appropriate safety equipment, clothing and headgear.
Take appropriate safety precautions.
Meet each special condition shown for the exact activity and policy.

Special conditions apply only where shown. A condition attached to another activity or policy does not apply.

What the table results mean

Silver: Check Personal accident and Activity holiday.
Gold, Gold Plus and Platinum: Check Personal accident and personal liability and Activity holiday.
Activity holiday — No: The activity is only covered when it is not the main reason for the trip.

A listed activity can still show No for personal accident, personal liability or an activity holiday.

General exclusions that can affect activities

The general policy conditions and exclusions still apply. Relevant activity exclusions include:

Professional sporting, entertaining or adventure activities.
Amateur sporting or adventure activities not listed in the table.
Racing, speed tests and endurance tests.
Business trips.
Manual work, except listed voluntary charity or conservation work.
Claims linked to excessive alcohol, substance or drug abuse, deliberate risk-taking or unlawful actions.

For more information on General Exclusions, please refer to your policy wording booklet. You can also find out more from our article What are the general exclusions in my policy?

Activities A to Z

Activity	Special Conditions*	Cover for Personal accident & Personal liability	Activity Holiday
Abseiling	2, 3	No	No
Amateur athletics		Yes	Yes
Archaeological digging		Yes	Yes
Archery	2	No	No
Badminton		Yes	Yes
Ballooning (Hot Air) as a fare paying passenger	2	No	No
Banana boat rides (Beach activity)		No	No
Baseball		Yes	No
Basket ball		Yes	No
BOSS (Breathing Observation Submersible Scooter)	1, 2	No	No
Bouldering (up to 3m with a crash mat)	2	Yes	No
Bowls		Yes	Yes
Boxing training (non-contact)		No	No
Bridge walking		Yes	No
Bungee jumping (max 3 jumps)	1, 2, 3	No	No
Canopy walking	2, 3	No	No
Camel riding or trekking		No	No
Canoeing (Up to grade 3 river and including lake, loch and canal water)		Yes	No
Catamaran sailing (European waters only)	1	No	No
Cave tubing	2, 3	Yes	No
Clay pigeon shooting	1, 3	No	No
Climbing wall	2	Yes	No
Conservation or charity work (under 3m, hand tools only)		No	Yes
Cricket		Yes	No
Curling		Yes	No
Cycle touring		No	Yes
Cycling (incidental, excluding BMX/Mountain biking)		Yes	No
Deep sea fishing	2	No	No
Dinghy sailing inside territorial waters		No	No
Dragon boating		No	No
Dune bashing	2, 3	No	No
Elephant riding or trekking	2	No	No
Falconry	2	No	No
Fell running		Yes	Yes
Fell walking		Yes	Yes
Fishing		Yes	Yes
Football (soccer not American football)		No	No
Gaelic football	2	No	No
Go karting (up to 120cc)		No	No
Golf		Yes	No
Heptathlon		Yes	No
Hiking (on recognised routes, under 3,000m)	1	Yes	No
Hobie catting (European waters only)		No	No
Hockey		No	No
Horse Riding (not jumping, or Pony trekking)		No	No
Horse trekking (under 3,000m)	2	No	No
Husky sledge driving	3	No	No
Ice skating	1, 3	Yes	No
Indoor climbing	2	Yes	No
Inner tubing (on land or water)	2	Yes	No
Jeep/Car trekking as a fare paying passenger	2	No	No
Jet boating		No	No
Jet skiing		No	No
Jogging	3	Yes	No
Jungle surfing		Yes	No
Kite buggying		No	No
Kite surfing (over water)		No	No
Kayaking (in calm waters)		No	No
Lacrosse		No	No
Marathon running		Yes	Yes
Motorcycling (not racing, not off-road riding, must hold equivalent UK licence)		No	Yes
Mountain biking (not including downhill racing and extreme ground conditions)		Yes	No
Netball		Yes	No
Orienteering		Yes	Yes
Paddleboarding (not white water)	2	Yes	No
Parasailing (over water)	2	No	No
Parascending (over water)		No	No
Passenger (in licenced private aircraft)		No	No
Passenger sledge (Horse and Carriage)		No	No
Pedaloes		Yes	No
Polo	2	No	No
Pony trekking		No	No
Racket ball		Yes	No
Rambling (under 3,000m)		Yes	Yes
Refereeing (amateur basis)	2, 3	Yes	No
Rifle range	2, 4	No	No
River tubing		Yes	No
Roller hockey		No	No
Roller skating/Blading		Yes	No
Rounders		Yes	No
Rowing		No	No
Rubber ring rides (Beach Activity)		Yes	No
Running		Yes	Yes
Safari/Gorilla trekking (not hunting)	2	Yes	Yes
Sail boarding		Yes	No
Sailing (including Flotilla. European waters only)		No	Yes
Sand boarding		Yes	No
Scuba diving - Unqualified - up to 30 metres deep	1	Yes	No
Scuba diving - Qualified BSAC or equivalent - up to 30 metres deep		Yes	No
Segway riding/touring		No	No
Skateboarding		Yes	No
Sky diving indoor	2	Yes	No
Snorkelling (to 10 metres deep)		Yes	No
Squash		Yes	No
Street hockey		No	No
Surfing		Yes	No
Swimming (within sight of land)		Yes	No
Swimming with dolphins	2	Yes	No
Table tennis		Yes	Yes
Target rifle shooting	2	No	No
Ten pin bowling		Yes	Yes
Tennis		Yes	Yes
Tree trekking	2	Yes	No
Tree top walking	2	No	No
Trekking (up to 3,000 metres)		Yes	Yes
Triathlons		Yes	Yes
Ultimate frisbee		No	No
Volleyball		Yes	No
Wadi bashing	2	No	No
Wake Boarding		Yes	No
War games/Paintballing	2	No	No
Water polo		Yes	No
Water skiing		Yes	No
White water rafting (Grades 1,2 & 3)	2	No	No
Windsurfing		Yes	No
Wing Foiling (within territorial waters)		Yes	No
Yachting (European Waters only)		No	No
Yoga		Yes	No
Zip lining	2	Yes	Yes

Special Conditions

Specific exclusions and conditions apply as indicated in the policy wording and table above. The conditions are as follows:

You are accompanied by an experienced and/or suitable qualified instructor or guide.
You are adequately supervised, participating in an organised event, session or excursion.
You are using natural or purpose-built facilities approved for the activity by a local or national regulatory authority.

For information on general exclusions related to activities, you can find out more here

Related to

Activities