Adventure activities we cover

Understanding our terminology

Confused by the special conditions and exclusions listed in the activity box above?

We’ve got you covered. Just click on any condition or exclusion in the box to see what it means, or scroll down to read the descriptions below.

Special conditions

a) You must be with a professional, qualified and licensed guide, instructor or operator.

b) You must have the appropriate certification or licence to participate in this sport, activity or experience at home. If operating a motor vehicle, you must have the appropriate valid licence for the vehicle and any other licence required by law in the country of operation.

c) You must stay within 60 miles of a safe haven (a protected body of water used by marine craft for refuge from storms or heavy seas).

d) This policy covers conventional skiing/snowboarding only. It is not a condition of cover that you ski or snowboard with a guide, however, you must follow the International Ski Federation code or the resort regulations; and you should not venture into back country areas without taking local advice and appropriate rescue equipment.

e) This policy covers conventional scuba diving only. You are limited to your current qualification limit, unless accompanied by a qualified instructor, taking part in a recognised course requirement of your chosen Diving Association. You must hold a current P.A.D.I. (Professional Association of Diving Instructors), B.S.A.C. (British Sub Aqua Club), SAA (Sub Aqua Association), C.M.A.S. (Confederation Mondiale Des Activites Subaquatiques), or equivalent internationally recognised qualification and follow their relevant Association, Club or Confederation rules and guidelines at all times, or you must only dive under the constant supervision of a properly licensed Diving Instructor and follow their rules and instructions at all times.

f) A helmet and / or appropriate safety gear must be worn.

g) On recognised routes / trails only.

h) Racing exclusion doesn’t apply.

i) Camping on established campsites only. Participants must carry a satellite communication device or file an itinerary with local park/wardens.

j) Only if organised by a recognised race promoter, with road marshalls, water safety cover (lifeguards), marshalled cycling routes, and medical first aid posted where required.

k) Must be a vessel rated for offshore sailing. A formal offshore passage plan must be lodged with a recognised maritime authority.

l) Coverage is only provided for the following named peaks (and routes): Island Peak, Mera Peak, Stok Kangri, Mount Toubkal, Mount Kenya (Point Lenana only), Mount Kazbek, Mont Blanc (Gouter Route only), Monte Rosa, Cotopaxi, Illiniza Norte, Lobuche East and Kilimanjaro (including the Western Breach).

Antarctic / Arctic Helicopter Evacuations: We are only able to offer helicopter evacuation from Ushuaia (Argentina), Punta Arenas (Chile) or Port Stanley (Falkland Islands) for Antarctica cruises and Longyearbyen (Svalbard), Tromsø (Norway), Reykjavik (Iceland), and Kangerlussuaq (Greenland) for Arctic cruises.

Special exclusions

1) Any competition, free-style skiing / snowboarding, ski / snowboard jumping, ski-flying, ski / snowboard acrobatics, ski / snowboard stunting, or ski / snowboard racing or national squad training, the use of skeletons.

2) Any unaccompanied dive, any dive in overhead environments, any dive for gain or reward, solo diving, cave diving, any dive which takes you deeper than your current qualification limits, or any dive deeper than 30 meters under any circumstances.

3) Free mountaineering, climbing in remote or inaccessible regions, exploratory expeditions and new routes, high altitude climbing over 6,500 meters, or mountaineering expeditions to the Arctic or Antarctica.

4) Routes that require free climbing or multi-pitch technical rock / ice climbing above UIAA Grade II (or equivalent grading system).

Please note:

Our Adventure Extreme cover isn't available if you're 65 or older.

Always read the policy wording.

Don't see your activity on this list?

Get in touch and one of our customer representatives will match you with the perfect adventure travel policy.

List of activities not covered by us

Some pursuits are best left for the professionals. Please note that our travel insurance doesn't cover the following activities:

• Acrobatics
• Activities at a professional or semi-professional level
• American football (Gridiron)
• Base jumping / Wingsuit
• Boating on white water
• Bobsled / Bobsleigh
• Boxing competitions or bouts
  
• Caving / Spelunking (Other than sightseeing or tourist attraction)
• Cliff diving
• Climbing (Exploratory expeditions, new routes, remote or inaccessible regions)
• Climbing (High altitude, over 7,000 meters)
• Competing / Competing at international events as national representative
• Crewing a vessel over 60 miles from a safe haven
• Cycling / Biking that involves intercontinental touring, with a tour operator or independent
• Cycle jumping / BMX / Racing / Time trials
• Diving / Scuba diving (Unaccompanied dive / In overhead environments / For gain or reward)
• Dogsledding / Sleigh rides (horse drawn) in remote areas / racing / time trials / endurance events / on unrecognised trails
• Expeditions to the Arctic / to Antarctica / of a dangerous nature
• Extreme pursuits / Hazardous activities (other than listed)
• Fishing / Angling (Commercially / Rock fishing)
• Flying (Gliding / Ultralight / Private light aircraft / Stunt flying)
• Free Mountaineering
• Free-style skiing / Free-style snowboarding
• Hang gliding
• High diving
• Hiking / Trekking / Rambling / Bushwalking / Fell walking / Fell running where ropes, picks or other specialist climbing equipment is required.
• Horse riding (Equestrian / Dressage / Show jumping / Eventing)
• Horse riding (Racing / Competing)
• Hunting
• Ice hockey
• Kite wing (Land / Water / Snow)
• Martial arts competitions or bouts
• Motorbiking: touring, or main mode of transport
• Motor sports
• Outdoor endurance course / Obstacle course / Assault course / Trim trail / Tough mudder up to 13 miles
• Paragliding / Parapenting / Parascending
• Potholing
• Rock climbing (Soloing)
• Rollerblading / Roller skating / In-line skating stunting / Roller derby / Roller hockey
• Running / Jogging (Over marathon distance)
• Scuba diving / Cage diving (Deeper than 30 meters)
• Skeleton
• Skiing / Snowboarding (Jumping / Stunting / Ski-flying / Acrobatics)
• Skiing / Snowboarding (Racing / Competition / National squad training)
• Snow kiting
• Speed boating outside coastal waters
• Speed trials
• Volunteering / Work (Offshore / Underground / As a guide)
• Volunteering / Work (With mechanical / Industrial machinery)
• Volunteering / Work (With dangerous animals; e.g. big cats, crocodiles, alligators, sharks, snakes, elephants, etc.)
• Volunteering / Work as instructor or guide (Diving / Skiing / Snowboarding / Underground, in caves / Where ropes or other specialist climbing equipment is required.)
• Volunteering / Work (Dangerous or extreme pursuits)
• Volunteering / Work (At height from 2 meters above ground level)

Still can't find your activity?

Simply tell us about your activity and one of our advisors will determine if we can cover it.