Activities Covered

Adventure basicAdventure plusMax AdventureExtreme AdventurePro Adventure
BackpackingYesYesYesYesYes
Beach holidaysYesYesYesYesYes
Bungee jumping (professionally organised holiday excursions only)NoYesYesYesYes
Camel desert safarisYesYesYesYesYes
City breaksYesYesYesYesYes
Cheerleader amateur competitionsNoYesYesYesYes
CruisesYesYesYesYesYes
Dance holidays and competitions (not involving gymnastics)YesYesYesYesYes
Dance holidays and competitions (involving gymnastics)NoYesYesYesYes
Fishing (fly/coarse/beach/pier)YesYesYesYesYes
Fishing (sea fishing within coastal waters 12 miles from shore)NoYesYesYesYes
Go karting (as a part of an organised holiday activity package, excludes liability insurance for motorised vehicles)YesYesYesYesYes
GolfYesYesYesYesYes
Horse riding/pony trekkingYesYesYesYesYes
Jogging (non-competitive running)YesYesYesYesYes
Motor cycle touring (tarmac roads only)YesYesYesYesYes
Non contact miscellaneous sportsNoNoYesYesYes
Non manual business travelYesYesYesYesYes
Non manual voluntary or charity workYesYesYesYesYes
Obstacle racing (amateur events only)NoNoNoYesYes
Quad biking (as a part of an organised holiday activity package, excludes liability insurance for motorised vehicles)NoYesYesYesYes
Running races including amateur marathonsNoYesYesYesYes
SafariYesYesYesYesYes
Ultra marathons (inc. multi day amateur events)NoNoNoNoYes
Yoga, Meditation and Art retreatsYesYesYesYesYes
Zip lining (as a part of an organised holiday activity)NoYesYesYesYes

Adventure basicAdventure plusMax AdventureExtreme AdventurePro Adventure
Cycle touring (tarmac roads)YesYesYesYesYes
Cycle touring - amateur event road racingNoYesYesYesYes
Cycle touring (high altitude alpine passes tarmac roads)NoYesYesYesYes
Cycle touring (off road tracks or gravel roads)NoYesYesYesYes
Cycle touring (long distance endurance events)NoNoYesYesYes
Cycle touring (long distance endurance events off road tracks or gravel roads)NoNoNoYesYes
Fat biking on snow/ski trailsNoNoYesYesYes
Guiding or instructing (please refer for agreement)NoNoNoNoYes
Iron man amateur eventsNoNoNoYesYes
Mountain biking - cross country (forest paths, tracks etc)NoYesYesYesYes
Mountain biking - cross country and trail riding only amateur competitive eventsNoNoNoYesYes
Mountain biking - trail riding (inc.lift accessed ski runs)NoNoYesYesYes
Mountain biking - enduro and downhill (DH) (recreational holiday non-competition riding)NoNoNoYesYes
Mountain biking - enduro and downhill (DH) amateur events, freeride and dirt jumpingNoNoNoNoYes
Triathlon amateur events (road races)NoNoYesYesYes
Triathlon amateur events (off road races)NoNoNoYesYes

Adventure basicAdventure plusMax AdventureExtreme AdventurePro Adventure
AbseilingNoYesYesYesYes
Adventure races (organised amateur events only)NoNoNoNoYes
Alpine mountaineering upto 5000 metersNoNoNoYesYes
Big wall climbing (multi pitch/multi day ascents)NoNoYesYesYes
BoulderingNoYesYesYesYes
Deep water soloing (on previously climbed areas designated as suitable for deep water solo climbing)NoNoNoYesYes
Fell runningNoNoYesYesYes
Glacial crossing/trekkingNoNoYesYesYes
Guiding and instructing (please refer for agreement)NoNoNoNoYes
Hill walking in summer conditions (e.g. Tour de Mont Blanc, Hut to Hut tours)NoYesYesYesYes
Hill walking or snow shoeing in winter conditions (e.g. in snow or ice where crampons and ropes might be used)NoNoYesYesYes
Ice climbingNoNoNoYesYes
Mountaineering upto 7000m (professional guided trips only, please submit itinerary prior to departure for agreement)NoNoNoNoYes
Mountaineering - any first ascents - refer for agreement before policy purchaseNoNoNoNoYes
Mountain marathonsNoNoNoYesYes
Multi pitch rock climbing (where leader placed protection is involved)NoNoYesYesYes
OrienteeringNoYesYesYesYes
Pot Holing and Caving (in previously explored systems where there is organised local cave rescue)NoNoYesYesYes
Pot Holing and Caving (exploratory systems where there is organised local cave rescue)NoNoNoYesYes
Pot Holing and Caving (exploratory systems where there is no organised local cave rescue)NoNoNoNoYes
ScramblingNoYesYesYesYes
Single pitch and/or bolted sport climbing (inc.permanently bolted multi pitches)NoYesYesYesYes
Sport climbing (involving permanent fixed anchors)NoYesYesYesYes
Trad climbing (Traditional multi pitch climbing involving leader placed protection)NoNoYesYesYes
Trekking upto 4000m in the greater ranges (e.g. Nepal, South America)NoYesYesYesYes
Trekking upto 6000m in the greater ranges (eg, Everest base camp, Inca Trail, Kilimanjaro)NoNoYesYesYes
Trekking peaks upto 7000m (as designated in the Himalaya, e.g. Island Peak, Mera Peak etc)NoNoNoYesYes
Via ferrataNoYesYesYesYes

Adventure basicAdventure plusMax AdventureExtreme AdventurePro Adventure
Black water rafting (organised guided trips only)NoNoYesYesYes
Canadian canoeing on lakes or flat waterYesYesYesYesYes
Canoeing on lakes or flat waterYesYesYesYesYes
Canyoning and coasteeringNoYesYesYesYes
Cave divingNoNoYesYesYes
Coastal sailing/yachting (within 12 miles of the shore)YesYesYesYesYes
Dinghy sailingYesYesYesYesYes
Dinghy racing (amateur events only)NoYesYesYesYes
Flotilla sailingYesYesYesYesYes
Freediving (as a part of an organised course/activity)NoYesYesYesYes
Hydro speedingYesYesYesYesYes
Jet skiing (as a part of an organised holiday activity package, excludes liability insurance for motorised vehicles)NoNoYesYesYes
Kite surfing/foilingNoNoYesYesYes
Paddle boardingYesYesYesYesYes
River boardingNoYesYesYesYes
River wilderness canoeing (guided trips)NoYesYesYesYes
Rowing (including amateur events)YesYesYesYesYes
Sailing regattas (organised amateur events only)NoYesYesYesYes
Scuba diving to 40 meters (subject to qualification or undertaking a recognised course)YesYesYesYesYes
Scuba diving to depths exceeding 40 meters (subject to qualification or undertaking a recognised course)NoYesYesYesYes
Sea and surf kayakingYesYesYesYesYes
Sea kayaking (multi day excursions)NoNoYesYesYes
Sea kayaking (remote location expeditions - please refer details of trip for agreement)NoNoNoYesYes
SnorkellingYesYesYesYesYes
SurfingYesYesYesYesYes
Swimming - amateur open water eventsNoYesYesYesYes
Swimming - amateur winter open water eventsNoNoYesYesYes
Swimming treks (organised and professionally supported)YesYesYesYesYes
Tall ship sailing (as crew with a professionally organised company)NoYesYesYesYes
Wake boarding and water skiingYesYesYesYesYes
Windsurfing/foilingNoYesYesYesYes
Windsurfing - amateur races and competitionsNoNoYesYesYes
Wing surfing/foilingNoNoYesYesYes
White water kayaking up to grade 3NoYesYesYesYes
White water kayaking up to grade 5NoNoYesYesYes
White water rafting up to grade 3NoYesYesYesYes
White water rafting up to grade 5NoNoYesYesYes
Yachting within 60 miles of a safe haven.NoYesYesYesYes

Adventure basicAdventure plusMax AdventureExtreme AdventurePro Adventure
Cross country langlauf skiing (on marked resort trails only)YesYesYesYesYes
Cross country langlauf skiing (away from resort trails)NoYesYesYesYes
Cross country langlauf ski marathon events (amateur)NoNoYesYesYes
Dog sledging (recreational day trips only, excluding exploratory or polar expeditions)NoYesYesYesYes
Dog sledging (guided multi-night trips, excluding exploratory or polar expeditions)NoNoNoYesYes
Guiding and instructing (please refer for agreement)NoNoNoNoYes
Heli skiing and snowcat skiingNoNoYesYesYes
Ice skating (recreational as part of a winter sports holiday)YesYesYesYesYes
Pipe and park freestyle skiing and snowboarding (excluding competitions)NoNoNoYesYes
Skiing - on and off piste with or without a guideNoYesYesYesYes
Ski-biking and ski bobbing (non-motorised, on piste only)NoNoYesYesYes
Ski Instructor training courses (31 day maximum duration please refer for agreement)NoNoNoNoYes
Ski touring (ascending using skins) - back country skiing or snowboarding, skidoo, snowcat or helicopter skiingNoNoYesYesYes
Ski touring (pulling pulks) - commercially guided tours onlyNoNoNoYesYes
Ski touring (pulling pulks) - unguided - please provide full details before purchaseNoNoNoNoYes
Ski mountaineering - alpine ascents using mountaineering equipment (European destinations only)NoNoNoYesYes
Ski mountaineering - ascents using mountaineering equipment (Worldwide destinations upto 6500m)NoNoNoNoYes
Ski racing - organised amateur ski races forming part of a recreational winter sports holidayNoNoNoNoYes
Snowboarding - on and off piste with or without a guideNoNoYesYesYes
Snowmobiling (as a part of an organised holiday activity package, excludes liability insurance for motorised vehicles)NoYesYesYesYes
Snow shoeing away from marked resort trailsNoNoYesYesYes
Snow shoeing on marked resort trailsNoYesYesYesYes
Split boarding - back country touringNoNoYesYesYes
Telemark skiing - on and off piste with or without a guide on marked resort runs and unpisted trails on resort ski area mapsNoNoYesYesYes
Tobogganing (as an organised holiday activity)NoYesYesYesYes