Coronavirus (COVID-19) update

Last updated: 2nd April 2020

Following the Government’s announcement asking everyone to stay at home, we’re making some changes to the way we work to make sure we’re looking after our people and our customers. We’re setting up as many of our colleagues as possible to work from home, but this will take a few days.

In the short-term, we’re only accepting new business online. That means new customers can’t buy insurance over the phone.

Existing customers: Please don’t phone unless it’s absolutely necessary.

We need to prioritise:

  • Customers who have an urgent claim, for example your car is undrivable following an accident, you are injured, or your home is uninhabitable.
  • Customers who can’t pay now as a result of the Coronavirus pandemic, call us - we want to help you.

If you have questions about your renewal or want to make a change to your policy, you can use our virtual assistant. If your policy is due to renew in the next week and you haven’t opted for auto-renewal, please call us. If you have opted for auto-renewal, please make sure your insurance still meets your needs.

For more information and frequently asked questions about COVID-19, go to our Coronavirus help and support page.

Enjoy your holiday from A-Z!

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.

Insured activities

Land-based activities

  • Aerobics
  • Archery (under qualified supervision only, cover excludes third party liability)
  • Badminton
  • Baseball
  • Basketball
  • Beach games (including cricket, football and volleyball)
  • Bowls
  • Camel rides or elephant rides
  • Clay pigeon shooting (under qualified supervision only)
  • Climbing (on artificial walls, under qualified supervision only)
  • Cricket
  • Croquet
  • Cycling (but not BMX or off-road biking)
  • Dancing
  • Fell walking (up to 3,000 metres above sea level)
  • Fencing (protective equipment must be worn)
  • Football
  • Go-karting (up to 125cc, crash helmet must be worn, cover excludes third party liability)
  • Golf
  • Handball
  • High ropes courses (under qualified supervision only)
  • Hiking (up to 3,000 metres above sea level)
  • Hockey
  • Ice skating (on rink only, not ice hockey or speed skating)
  • Jogging or running
  • Motorcycling (up to 125cc, crash helmet must be worn, cover excludes third party liability)
  • Netball
  • Orienteering (up to 3,000 metres above sea level)
  • Racquetball
  • Rambling (up to 3,000 metres above sea level)
  • Rifle shooting (under qualified supervision only, cover excludes third party liability
  • Roller skating or roller blading
  • Rounders
  • Skateboarding
  • Softball
  • Squash
  • Table games (table tennis, snooker, pool, billiards)
  • Tennis
  • Trampolining
  • Trekking (up to 3,000 metres above sea level)
  • Volleyball

Water-based activities

These must be in inland or coastal waters only unless otherwise stated.

  • Banana boating (buoyancy aid must be worn)
  • Body or boogie boarding
  • Canoeing or kayaking (grade 1 and 2 only, helmet and buoyancy aid must be worn)
  • Dinghy sailing (buoyancy aid must be worn, maximum 12 miles from coast, no cover for the cost of rescue, cover excludes third party liability)
  • Fishing
  • Jet skiing or wet biking (helmet and buoyancy aid must be worn, cover excludes third party liability)
  • Rafting (grade 1 and 2 only, helmet and buoyancy aid must be worn)
  • Rowing
  • Scuba diving (to a depth of 18 metres and only where you are a qualified diver and accompanied at all times by another qualified diver or, if you do not hold a Scuba diving qualification, you are accompanied at all times by a qualified diving instructor)
  • Snorkelling
  • Surfing
  • Swimming
  • Water polo
  • Water skiing (buoyancy aid must be worn)
  • Windsurfing or sailboarding (buoyancy aid must be worn)
  • Yachting (buoyancy aid must be worn, maximum 12 miles from coast, no cover for the cost of rescue, cover excludes third party liability).

Air-based activities

  • Hot air balloon rides (as a passenger only, balloon must have airworthiness certificate, pilot must be qualified)
  • Parascending (over water).

Winter sports activities – only if you have bought the winter sports cover option

  • Cross-country skiing (on recognised tracks)
  • Dry slope skiing or snowboarding
  • Skiing (on piste, or off piste with a qualified guide)
  • Sledging
  • Snowboarding (on piste, or off piste with a qualified guide)
  • Snowmobiling or ski-dooing
  • Snow shoeing
  • Tobogganing.

You’re not covered for

You will not be covered for:

  • any hazardous activity, not listed above, unless we have specifically agreed to it in writing
  • any activity you do as a professional, or in a race or competition
  • any activity carried out against local warnings or advice
  • any activity if it is not carried out in a safe way
  • any activity if you act irresponsibly or put yourself in needless danger
  • certain activities if the activity is the sole purpose of your trip.

Is my activity covered?

Please call us on 0800 032 6534 if you are unsure about whether the activities you plan to do on your trip are covered by your policy.