Activity Level 0
This is our lowest activity level and is for use by travellers taking general leisure trips such as beach or city break holidays.

• It will cover basic activities like back packing, camping, fishing, organised safaris, snorkelling and swimming
• Also non-manual business travel (eg. for meetings, conferences, trade shows etc).
• The equipment section of the policy is only operative with an activcard.sports policy level 1-6. (see below)

Activity Level 1
This level includes lower risk sports such as golf, cycle touring, motor cycle touring, pony, horse or camel treks or level 0 activities where the equipment extension is required.

• Also watersports like surfing, windsurfing, sailing, flat water canoeing, dinghy or coastal sailing within 12 miles of the shore, flotilla sailing, water skiing and wake boarding.
• Including cover for scuba diving down to depths around 18 metres (for beginner scuba divers attending dive school or persons with open water diver or similar qualification). The policy includes emergency decompression expenses.

Activity Level 2
level includes lower level mountain and water sports such as

• Single pitch and bolted climbs, abseiling, scrambling, bouldering, via ferrata, hill walking (eg. Tour de Mont Blanc) including alpine hut-to-hut. See level 3 for winter hill walking or glacial crossings.
• Orienteering, running/fell running, and triathlon event training (including marathon training).
• Mountain biking on tracks/trails. See level 4 for off track downhill mountain biking.
• Non mountain Sports in this level include white water rafting, canyoning, coasteering, sea kayaking, Canadian canoeing, kite surfing and off shore sailing within 60 miles of a safe haven.
• For Scuba diving at depths not exceeding 40 metres (within qualification ie. advanced open water or similar, or training with recognised dive schools to dive to 40m).
• Also snowcard.wintersports cover includes Nordic cross-country skiing (on marked tracks), ice skating and sledging.

Activity Level 3
This level includes higher risk sports such as

• Multi pitch climbing (including leader placed protection), high level walks (eg. Haute Route) including glacial crossings and winter hill walking, pot holing and caving.
• For scuba diving at depths greater than 40 metres and diving using nitrox/trimix (subject to qualification or training with a recognised dive school) and cave diving.
• For snowcard.wintersports this level includes alpine downhill skiing, on or off piste, with or without a guide. You must comply with local safety advice at all times.
• Downhill skiing also includes mono-skiing, snowblading and telemark skiing.
• Beginner snowboarders can also use this level for piste based boarding. Advanced or off-piste boarders should use level 4.

Activity Level 4
This level includes higher risk sports such as

• Off track "Downhill" Mountain biking (e.g. Ski resort runs or similar)
• white water kayaking (on any grade within ability. Note we do not cover damage to kayaks in use from cracking, scratching or denting)
• alpine mountaineering in snow, ice or glacial terrain, ice climbing or mountain activity necessitating the use of ropes, ice axe and crampons.
• Designated trekking peaks up to 6500 metres are included in this level but climbing above 6500 metres or in remote or inaccessible areas are covered by level 6.
• snowcard.wintersports cover includes off piste snowboarding, alpine ski touring, snow-cat skiing, heli skiing/boarding, use of snowparks, half pipe, bob sleigh and cresta.
• Whilst it is not a condition of cover that you ski or board with a guide, we recommend that you do not venture into back country areas without taking local advice and avalanche transceivers/rescue equipment.

Activity Level 5
This level is for all amateur competition, or race training, in any of the sports listed in levels 1 to 4. Also guides or instructors of all activities. For all competition and professional risks, please note we do not cover:

• Professional competition, extreme skiing or stunt/photographic shoots of a professional nature;
• Competition as senior members of national squads competing at major international events;
• Professional indemnity/liability for advice given;
• Loss of income in respect of commercial or professional activity.

Activity Level 6
This level is for expedition risks.

• Persons going to remote or inaccessible regions to climb in the major ranges (Asia, South America, Greenland, Alaska) must supply full details of the trip prior to departure or taking out the insurance.
• Some risks may not be acceptable and we do not quote for travel to the Arctic or Antarctica.

• Professional competition, extreme skiing or stunt/photographic shoots of a professional nature;
• Competition as senior members of national squads competing at major international events;
• Professional indemnity/liability for advice given;
• Loss of income in respect of commercial or professional activity.