You are covered under Section 2 Medical Emergency and Repatriation and Section
12 Personal Accident for the following activities automatically, provided that the
activity is on an Incidental basis. You do not need to contact us to have these added.
Abseiling
Angling
Archery
Badminton
Banana boat rides
Baseball
Basketball
Beach games
Blade skating
Bowls
Bungee jump (1)
Camel / Elephant riding+
Canoeing (Up to Grade 3)
Clay pigeon shooting+
Cricket
Curling
Cycling (excluding BMX, Mountain biking)
Cycle touring
Deep sea fishing
Fell walking/running (no climbing)
Fencing
Football
GAA Football
Golf
Gorilla trekking
Gymnastics
Heptathlon
Hiking (under 2,000 metres altitude)
Hockey
Horse riding (wearing safety gear, no jumping, no competitions)
Hot air ballooning (no safari)
Jet boating (passenger only)+
Jet ski-ing+
Jogging
Kayaking (Up to Grade 3)
Manual Work (Bar and restaurant, waitress, waiter, chalet-maids, au pair and nannys and occasional light manual work including retail work and fruit picking but excluding the use of power tools and machinery)+
Marathon running
Motorcycling up to 50cc provided You wear a safety helmet and possess a licence which would allow You to ride an equivalent motorcycle in the UK no racing+
Netball
Non manual work (including professional administrative or clerical duties only.)
Orienteering (no climbing)
Paintballing (with eye protection)+
Parascending/parasailing (over water)
Pony trekking
Racquetball
Rambling (under 2000m altitude)
Rifle range
River canoeing up to Grade 3
Roller skating
Roller blading
Rounders
Rowing
Running-sprint/long distance
Safari (UK organised)
Sail boarding
Scuba diving* down to 30 metres if qualified and not diving alone or accompanied by a qualified instructor (see notes below)
Skate boarding
Snorkelling
Squash
Street hockey
Surfing (under 14 days)
Tennis
Tour operator safari
Track events
Trekking (under 2,000 metres altitude)
Volleyball
War games+
Water polo
Water ski-ing
White water rafting (up to Grade 3)
Windsurfing
Yachting/Dinghy Sailing/Catamaran
Sailing (racing/crewing inside territorial waters)+
Yoga
You can be covered under the Section 2 Medical Emergency and Repatriation and
Section 12 Personal Accident for the following activities provided that the activity is
on an Incidental basis (unless stated otherwise below) and subject to an additional
premium being paid and shown on the validation certificate.
Black water rafting (Grade 1 to 4) Life jacket and Helmet must be worn
Boxing Training (no contact)
Bungee Jump (up to 3)
Dry Ski-ing
Horse riding (over 7 days. no Polo, Hunting or Jumping)
Hurling
Ice Skating
Jet Skiing (non Incidental)
Kite Surfing
Lacrosse
Martial Arts (No contact Training only)
Safari (non-UK organised)
Waterskiing(non Incidental)
Windsurfing (non Incidental)
You can be covered under the Section 2 Medical Emergency and Repatriation and
Section 12 Personal Accident for the following activities provided that the activity is
on an Incidental basis (unless stated otherwise below) and subject to an additional
premium being paid and shown on the validation certificate.
Motorcycling over 50cc (no racing) provided You wear a safety helmet and possess a licence which would allow You to ride an equivalent motorcycle in the UK.
Mountain Biking(wearing safety gear)
Rugby
Sand Yachting(amateur competition)
Yachting/Dinghy Sailing/Catamaran Sailing (racing/crewing outside territorial waters)+
You can be covered under the Section 2 Medical Emergency and Repatriation and
Section 12 Personal Accident for the following activities provided that the activity is
on an Incidental basis (unless stated otherwise below) and subject to an additional
premium being paid and shown on the validation certificate.
+ Cover under Section 11 Personal Liability for those sports and activities marked
with a + is excluded
*Scuba diving scuba diving to the following depths. Provided You are diving under
the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified,
within the guidelines of the relevant diving or training agency or organisation and not
diving alone:
PADI Open Water 18 metres
PADI Advanced Open Water 30 metres**
BSAC Ocean Diver 20 metres
BSAC Sports Diver 30 metres**
BSAC Dive Leader 30 metres**
**For the purpose of diving under hazardous activities Grade 1.
We must agree with any equivalent qualification.
If You do not hold a qualification, We will only cover You to dive to a depth of
18 metres.
You will not be covered under this policy if You travel by air within 24 hours
of participating in scuba diving.
