The following sports and hazardous activities are included in all our policies at no additional cost.

Group 1 - Incidental Activities "

• Archery
• Badminton
• Banana / Doughnut Boating
• Basketball
• 1 x Bungee Jump
• Camel Riding
• Canoeing
• Clay Pigeon Shooting
• Conservation / Charity Work (Educational Environment / working with hand tools only)
• Cricket
• Cycling (Incidental)
• Deep Sea Fishing
• Glacier Walking
• Golf
• Hiking / Rambling / Trekking (4000m)
• Horse Riding (Incidental) (not polo, jumping, or hunting)
• Hot Air Ballooning
• Inshore Sailing (within 12 miles of the coastline)
• Jet boating
• Jet Skiing
• Kayaking (up to Grade 4)
• Kite Surfing over water
• Manual Work (Ground Level, No machinery)
• Mountain Biking (Incidental)
• Motor Cycling or Quad biking up to 50cc
• Mountain Biking
• Netball
• Orienteering
• Parascending over water
• Passenger in small aircraft / helicopter
• Roller Blading
• Rowing (including training)
• Running (Sprint / Long Distance)
• Safaris (Booked UK, No firearms)
• Sandboarding
• Scuba Diving to 30m
• Sleigh Riding
• Snorkelling
• Squash
• Surfing
• Tennis
• Volleyball
• Wake Boarding
• Water Polo
• Water Skiing
• White Water Rafting (Up to Grade 4)
• Wind Surfing

Group 2 - Incidental Activities

These activities are covered provided the activity is on a casual, unplanned or Incidental Basis and not the main purpose of Your trip. Claims relating to these activities will be subject to 50% reduction in Personal Accident Benefits, and Medical Expenses Excess increased to £300.

• Abseiling
• Boxing Training
• Elephant Riding
• Football (Amateur)
• Hiking (4000m to 6000m)
• Hockey (Amateur)
• Kayaking (over grade 4)
• Martial Arts Training
• Motor Cycling or Quad biking up to 125cc
• Netball (Amateur)
• Rugby (Amateur)
• Safaris booked locally(no firearms)
• White Water Rafting (Grades 5 & 6)

Group 3 - Regular Activities

These activities are covered when participation is on a regular, non-casual basis or are the main purpose of Your trip. Claims relating to these activities will be subject to a 50% reduction in Personal Accident cover and Medical Expenses Excess increased to £300.

• Bar Work
• Charity / Conservation work, working with hand tools only.
• Cycling (Touring)
• Go Karting
• Husky Sledge Riding
• Inshore Sailing
• Jogging
• Marathons
• Mountain Bike Touring
• Regular Horse Riding / Pony Trekking
• Sailing Holidays (No air sea rescue, within 12 miles of the coastline)
• Scuba Diving to 30m
• Snow Park Activities – Pipe and Rail
  (provided Wintersports premium paid)
• Supervised overland Safaris (Booked UK, No firearms)
• Trekking / Rambling / Hiking (4,000 to 6,000m)

Ski & Winter Sports

On policies where this cover is provided the following is included:

• Skiing,
• Snowboarding (with a leash)
• Off Piste Skiing and Snowboarding (except in areas designated as unsafe by resort management)
• Recreational Racing
• Mono Skiing
• Guided Cross Country Skiing
• Snow Mobiling
• Snow Tubing
• Snowshoeing (Provided the trip is booked in the UK / Republic of Ireland and is part of an organised tour)
• Tobogganing
• Ice Skating

MOTORCYCLING

Cover for motorcycling (riding own motorcycles only and excluding trial/track riding or racing) up to 1500cc will be included when the appropriate premium has been paid. There is no cover for Personal Accident or Personal Liability motorcycle related claims.