Basic sports/general travel

Adventure basicAdventure plusMax AdventureExtreme AdventurePro Adventure
BackpackingYesYesYesYesYes
Beach holidaysYesYesYesYesYes
Camel desert safarisYesYesYesYesYes
City breaksYesYesYesYesYes
CruisesYesYesYesYesYes
Fishing (fly/coarse/beach/pier)YesYesYesYesYes
GolfYesYesYesYesYes
Horse riding/pony trekkingYesYesYesYesYes
Non contact miscellaneous sportsYesYesNoNoNo
Non manual business travelYesYesYesYesYes
Non manual voluntary or charity workYesYesYesYesYes
Running including amateur marathonsNoYesYesYesYes
SafariYesYesYesYesYes
Zip lining (as a part of an organised holiday activity)NoYesYesYesYes

Bike sports

Adventure basicAdventure plusMax AdventureExtreme AdventurePro Adventure
Cycle touringYesYesYesYesYes
Cycle touring - road racingNoYesYesYesYes
Guiding or instructingNoNoNoNoYes
Iron man amateur eventsNoNoNoYesYes
Motor cycle touringNoYesYesYesYes
Motor cycle off road treks (must be guided and supported)NoNoNoYesYes
Mountain biking on marked tracks and trailsNoYesYesYesYes
Mountain biking on unmarked downhill runsNoNoNoYesYes
Mountain biking on high altitude trails (eg. Alpine or Himalayan destinations over 3000m)NoNoNoYesYes
Mountain biking amateur competitive events (excluding downhill eg. Pass Portes du Soleil)NoNoNoYesYes
Mountain biking amateur competitive events (downhill events eg. Megavalanche)NoNoNoNoYes
Triathlon amateur eventsNoNoYesYesYes

Mountain sports

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
Fell runningNoNoYesYesYes
Glacial crossing/trekkingNoNoYesYesYes
Guiding and instructingNoNoNoNoYes
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)NoNoNoNoYes
Mountain marathonsNoNoNoYesYes
Multi pitch rock climbing (eg. Where leader placed protection is involved)NoNoYesYesYes
OrienteeringNoYesYesYesYes
Pot Holing and Caving (in previously explored systems where there is organised local cave rescue)NoYesYesYesYes
Pot Holing and Caving (exploratory systems where there is organised local cave rescue)NoNoYesYesYes
Pot Holing and Caving (exploratory systems where there is no organised local cave rescue)NoNoNoYesYes
ScramblingNoYesYesYesYes
Single pitch and bolted sport climbingNoYesYesYesYes
Trad climbing (Traditional multi pitch climbing)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

Water sports

Adventure basicAdventure plusMax AdventureExtreme AdventurePro Adventure
Canadian canoeingYesYesYesYesYes
Canoeing on lakes or flat waterYesYesYesYesYes
Canyoning and coasteeringNoYesYesYesYes
Cave diving NoNoYesYesYes
Coastal sailing/yachting (within 12 miles of the shore)YesYesYesYesYes
Dinghy sailingYesYesYesYesYes
Flotilla sailingYesYesYesYesYes
Hydro speedingYesYesYesYesYes
Kite surfingNoYesYesYesYes
River wilderness expeditionsNoYesYesYesYes
Rowing (including amateur events)YesYesYesYesYes
Sailing regattas (organised amateur events only)YesYesYesYesYes
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
SurfingYesYesYesYesYes
Swimming treks (organised and professionally supported)YesYesYesYesYes
Tall ship sailing (as crew with a professionally organised company)NoYesYesYesYes
Wake boarding and water skiingYesYesYesYesYes
WindsurfingYesYesYesYesYes
White water kayaking upto grade 3NoYesYesYesYes
White water kayaking upto grade 5NoNoYesYesYes
White water raftingNoYesYesYesYes
Yachting within 60 miles of a safe haven.NoYesYesYesYes

Winter sports

Adventure basicAdventure plusMax AdventureExtreme AdventurePro Adventure
Nordic cross country skiingYesYesYesYesYes
Cresta or bob sleigh (amateur riding only, excluding major international events)NoNoNoNoYes
Dog sledging (organised guided trips only)NoYesYesYesYes
Guiding and instructingNoNoNoNoYes
Pipe and park freestyle skiing and snowboardingNoNoNoYesYes
Skiing - on and off piste with or without a guideNoYesYesYesYes
Ski-biking and ski bobbing (non-motorised, on piste only)NoNoYesYesYes
Ski racing/training (as an amateur or junior, excluding national team members or major international events)NoNoNoNoYes
Ski touring (ascending using skins) - back country skiing or snowboarding, skidoo, snowcat or helicopter skiingNoNoYesYesYes
Ski mountaineering - alpine ascents using mountaineering equipment (European destinations only)NoNoNoYesYes
Ski mountaineering - ascents using mountaineering equipment (Worldwide destinations unto 6500m)NoNoNoNoYes
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
Tobogganing (as an organised holiday activity)NoYesYesYesYes