You are here: Homepage > Travel insurance > Exclusions
Enjoy your holiday from A-Z!
We want you to have fun on your holidays so we've put together a list of some exciting sporting activities that your policy covers you for.
So if you like to be a bit adventurous on holiday, read on!
It goes without saying that we want you to be safe so we do expect you to take all the usual precautions you would in the UK. For example; use a reputable company that are licensed / qualified, use all the recommended safety and protective equipment and make sure you have suitable qualification where appropriate.
Remember that cover for these activities is provided on a leisure only basis. Competitive and professional activities are not included.
| Covered activities | |
|---|---|
| Abseiling | Kayaking (up to grade 3) |
| Archery | Kite surfing (over water) |
| Ballooning | Paint balling |
| Bungee Jump | Paracending (over water) |
| Camel riding / trekking | Parasailing (behind a boat / over water) |
| Canoeing | Quad biking |
| Catamaran sailing (in territorial water) | Safari (walking or jeep) |
| Charity and conservation work (hand tools only) | Snorkelling |
| Cycling (including mountain biking) | Swimming with dolphins |
| Diving (down to 30 metres and qualified) | Wake boarding |
| Elephant trekking | Walking over the Sydney Harbour Bridge |
| Go Karting (less than 125cc) | White water rafting (grades 1 - 3) |
| Gorilla safari | Windsurfing |
| Hiking / trekking (up to 4000 metres) | Yachting (in territorial waters) |
| Horse riding / pony trekking | Zorbing |
| Ice skating |
Winter sports cover
If you add winter sports cover to your Travel Insurance you will also be protected for these activities.
- Skiing
- Snowboarding
- Dog / reindeer sledging
- Glacier walking (if organised tour)
Excluded activities:
A list of exclusions can be found in the policy wording and are also shown below.
Activities excluded from cover are:
- Any manual work or professional entertaining
- Operational duties of a member of the British armed forces
- Any sport played as a professional
- Driving a motor vehicle when disqualified or not licensed to do so
- Using a two-wheeled motor vehicle unless the driver has the appropriate licence to do so and you are wearing a helmet
- Moving from one balcony to another unless your life is in danger
- Taking part in any extreme or hazardous sport or activity including any of the activities listed in the following table:
| Excluded activities | |
|---|---|
| American football (in an organised team) | Mountaineering (normally involving the use of ropes or guides) |
| Base jumping | Ocean sailing (in international waters) |
| Bobsleighs, luges, toboggans or skeletons | Parachuting |
| Boxing | Paragliding |
| Bullfighting or bull running | Parapenting (if unsupervised or over land |
| Canyoning | Parasailing (if unsupervised or over land) |
| Cave diving | Parascending (if unsupervised or over land) |
| Diving with sharks | Polo |
| Endurance riding | Pot holing |
| Expeditions | Rock or cliff climbing (normally involving the use of ropes or guides) |
| Flying or any other airborne activity (except as a fare-paying passenger) | Rodeo |
| Football (in an organised team) | Rugby |
| Gaelic football (in an organised team) | Scuba diving, any form of underwater swimming or sub-aqua activity below a depth of 30 metres, or any underwater swimming or sub-aqua activity using any underwater breathing apparatus other than a snorkel, unless you are a qualified diver (in which case you must not be diving unaccompanied) or you are accompanied by a qualified instructor |
| Glacier-skiing | Show jumping |
| Gliding | Ski-acrobatics |
| Go-karting (engine capacity above 120cc) | Ski-flying |
| Hang-gliding | Skiing - competition or freestyle |
| Heli-skiing | Skiing (unless your policy schedule shows you have bought winter sports cover) |
| High diving | Skiing against local authorities’ warnings or advice |
| Hockey (in an organised team) | Skiing off-piste (unless accompanied by a qualified guide or instructor) |
| Horse eventing | Ski-jumping |
| Horseracing | Ski-mountaineering |
| Hunting | Ski-racing |
| Hurling (in an organised team) | Ski-stunting |
| Ice hockey | Sky surfing |
| Jet boating | Skydiving |
| Jet skiing | Snowboarding (unless your policy schedule shows you have bought winter sports cover) |
| Karate | Snow carting |
| Martial arts | Snowcat skiing |
| Micro-lighting | Wrestling |
| Mono-skiing |