Activities covered
General sports/general travel
| Adventure basic | Adventure plus | Max Adventure | Extreme Adventure | Pro Adventure | |
|---|---|---|---|---|---|
| Backpacking | Yes | Yes | Yes | Yes | Yes |
| Beach holidays | Yes | Yes | Yes | Yes | Yes |
| Bungee jumping (professionally organised holiday excursions only) | No | Yes | Yes | Yes | Yes |
| Camel desert safaris | Yes | Yes | Yes | Yes | Yes |
| City breaks | Yes | Yes | Yes | Yes | Yes |
| Cheerleader amateur competitions | No | Yes | Yes | Yes | Yes |
| Cruises | Yes | Yes | Yes | Yes | Yes |
| Dance holidays and competitions (not involving gymnastics) | Yes | Yes | Yes | Yes | Yes |
| Dance holidays and competitions (involving gymnastics) | No | Yes | Yes | Yes | Yes |
| Fishing (fly/coarse/beach/pier) | Yes | Yes | Yes | Yes | Yes |
| Fishing (sea fishing within coastal waters 12 miles from shore) | No | Yes | Yes | Yes | Yes |
| Go karting (as a part of an organised holiday activity package, excludes liability insurance for motorised vehicles) | No | Yes | Yes | Yes | Yes |
| Golf | Yes | Yes | Yes | Yes | Yes |
| Horse riding/pony trekking | Yes | Yes | Yes | Yes | Yes |
| Horse riding ranching holidays (subject to helmet being worn) | No | Yes | Yes | Yes | Yes |
| Jogging (non-competitive running) | Yes | Yes | Yes | Yes | Yes |
| Motor cycle touring (tarmac roads only) | Yes | Yes | Yes | Yes | Yes |
| Mountain karting (non-motorised) | No | No | Yes | Yes | Yes |
| Non contact miscellaneous sports | No | No | Yes | Yes | Yes |
| Non manual business travel | Yes | Yes | Yes | Yes | Yes |
| Non manual voluntary or charity work | Yes | Yes | Yes | Yes | Yes |
| Obstacle racing (amateur events only) | No | No | No | Yes | Yes |
| Quad biking (as a part of an organised holiday activity package, excludes liability insurance for motorised vehicles) | No | Yes | Yes | Yes | Yes |
| Running races including amateur marathons | No | Yes | Yes | Yes | Yes |
| Safari | Yes | Yes | Yes | Yes | Yes |
| Ultra marathons (inc. multi day amateur events) | No | No | No | No | Yes |
| Yoga, Meditation and Art retreats | Yes | Yes | Yes | Yes | Yes |
| Zip lining (as a part of an organised holiday activity) | No | Yes | Yes | Yes | Yes |
Bike sports
| Adventure basic | Adventure plus | Max Adventure | Extreme Adventure | Pro Adventure | |
|---|---|---|---|---|---|
| Cycle touring (tarmac roads) | Yes | Yes | Yes | Yes | Yes |
| Cycle touring - amateur event road racing | No | Yes | Yes | Yes | Yes |
| Cycle touring (high altitude alpine passes tarmac roads) | No | Yes | Yes | Yes | Yes |
| Cycle touring (off road tracks or gravel roads) | No | Yes | Yes | Yes | Yes |
| Cycle touring (long distance endurance events) | No | No | Yes | Yes | Yes |
| Cycle touring (long distance endurance events off road tracks or gravel roads) | No | No | No | Yes | Yes |
| Fat biking on snow/ski trails | No | No | Yes | Yes | Yes |
| Guiding or instructing (please refer for agreement) | No | No | No | No | Yes |
| Iron man amateur events | No | No | No | Yes | Yes |
| Mountain biking - cross country (forest paths, tracks etc) | No | Yes | Yes | Yes | Yes |
| Mountain biking - cross country and trail riding only amateur competitive events | No | No | No | Yes | Yes |
| Mountain biking - trail riding (inc.lift accessed ski runs) | No | No | Yes | Yes | Yes |
| Mountain biking - enduro and downhill (DH) (recreational holiday non-competition riding) | No | No | No | Yes | Yes |
| Mountain biking - enduro and downhill (DH) amateur events, freeride and dirt jumping | No | No | No | No | Yes |
| Triathlon amateur events (road races) | No | No | Yes | Yes | Yes |
| Triathlon amateur events (off road races) | No | No | No | Yes | Yes |
Mountain sports
| Adventure basic | Adventure plus | Max Adventure | Extreme Adventure | Pro Adventure | |
|---|---|---|---|---|---|
| Abseiling | No | Yes | Yes | Yes | Yes |
| Adventure races (organised amateur events only) | No | No | No | No | Yes |
| Alpine mountaineering upto 5000 meters (excluding solo ascents) | No | No | No | Yes | Yes |
| Big wall climbing (multi pitch/multi day ascents) | No | No | Yes | Yes | Yes |
| Bouldering | No | Yes | Yes | Yes | Yes |
| Deep water soloing (on previously climbed areas designated as suitable for deep water solo climbing) | No | No | No | Yes | Yes |
| Fell running | No | No | Yes | Yes | Yes |
| Glacial crossing/trekking | No | No | Yes | Yes | Yes |
| Guiding and instructing (please refer for agreement) | No | No | No | No | Yes |
| Hill walking in summer conditions (e.g. Tour de Mont Blanc, Hut to Hut tours) | No | Yes | Yes | Yes | Yes |
| Hill walking or snow shoeing in winter conditions (e.g. in snow or ice where crampons and ropes might be used) | No | No | Yes | Yes | Yes |
| Ice climbing | No | No | No | Yes | Yes |
| Mountaineering upto 7000m (professional guided trips only, please submit itinerary prior to departure for agreement) | No | No | No | No | Yes |
| Mountaineering - any first ascents - refer for agreement before policy purchase | No | No | No | No | Yes |
| Mountain marathons | No | No | No | Yes | Yes |
| Multi pitch rock climbing (where leader placed protection is involved) | No | No | Yes | Yes | Yes |
| Orienteering | No | Yes | Yes | Yes | Yes |
| Pot Holing and Caving (in previously explored systems where there is organised local cave rescue) | No | No | Yes | Yes | Yes |
| Pot Holing and Caving (exploratory systems where there is organised local cave rescue) | No | No | No | Yes | Yes |
| Pot Holing and Caving (exploratory systems where there is no organised local cave rescue - full details required before travel) | No | No | No | No | Yes |
| Scrambling | No | Yes | Yes | Yes | Yes |
| Single pitch and/or bolted sport climbing (inc.permanently bolted multi pitches) | No | Yes | Yes | Yes | Yes |
| Sport climbing (involving permanent fixed anchors) | No | Yes | Yes | Yes | Yes |
| Trad climbing (Traditional multi pitch climbing involving leader placed protection) | No | No | Yes | Yes | Yes |
| Trekking upto 4000m in the greater ranges (e.g. Nepal, South America) | No | Yes | Yes | Yes | Yes |
| Trekking upto 6000m in the greater ranges (eg, Everest base camp, Inca Trail, Kilimanjaro) | No | No | Yes | Yes | Yes |
| Trekking peaks upto 7000m (as designated in the Himalaya, e.g. Island Peak, Mera Peak etc) | No | No | No | Yes | Yes |
| Via ferrata | No | Yes | Yes | Yes | Yes |
Water sports
| Adventure basic | Adventure plus | Max Adventure | Extreme Adventure | Pro Adventure | |
|---|---|---|---|---|---|
| Black water rafting (organised guided trips only) | No | No | Yes | Yes | Yes |
| Canadian canoeing on lakes or flat water | Yes | Yes | Yes | Yes | Yes |
| Canoeing on lakes or flat water | Yes | Yes | Yes | Yes | Yes |
| Canyoning and coasteering | No | Yes | Yes | Yes | Yes |
| Cave diving | No | No | Yes | Yes | Yes |
| Coastal sailing/yachting (within 12 miles of the shore) | Yes | Yes | Yes | Yes | Yes |
| Dinghy sailing | Yes | Yes | Yes | Yes | Yes |
| Dinghy racing (amateur events only) | No | Yes | Yes | Yes | Yes |
| Flotilla sailing | Yes | Yes | Yes | Yes | Yes |
| Freediving (as a part of an organised course/activity) | No | Yes | Yes | Yes | Yes |
| Hydro speeding | Yes | Yes | Yes | Yes | Yes |
| Jet skiing (as a part of an organised holiday activity package, excludes liability insurance for motorised vehicles) | No | No | Yes | Yes | Yes |
| Kite surfing/foiling | No | No | Yes | Yes | Yes |
| Paddle boarding | Yes | Yes | Yes | Yes | Yes |
| River boarding | No | Yes | Yes | Yes | Yes |
| River wilderness canoeing (guided trips) | No | Yes | Yes | Yes | Yes |
| Rowing (including amateur events) | Yes | Yes | Yes | Yes | Yes |
| Sailing regattas (organised amateur events only) | No | Yes | Yes | Yes | Yes |
| Scuba diving to 40 meters (subject to qualification or undertaking a recognised course) | Yes | Yes | Yes | Yes | Yes |
| Scuba diving to depths exceeding 40 meters (subject to qualification or undertaking a recognised course) | No | Yes | Yes | Yes | Yes |
| Sea and surf kayaking | Yes | Yes | Yes | Yes | Yes |
| Sea kayaking (multi day excursions) | No | No | Yes | Yes | Yes |
| Sea kayaking (remote location expeditions - please refer details of trip for agreement) | No | No | No | Yes | Yes |
| Snorkelling | Yes | Yes | Yes | Yes | Yes |
| Surfing | Yes | Yes | Yes | Yes | Yes |
| Swimming - amateur open water events | No | Yes | Yes | Yes | Yes |
| Swimming - amateur winter open water events | No | No | Yes | Yes | Yes |
| Swimming treks (organised and professionally supported) | Yes | Yes | Yes | Yes | Yes |
| Tall ship sailing (as crew with a professionally organised company) | No | Yes | Yes | Yes | Yes |
| Wake boarding and water skiing | Yes | Yes | Yes | Yes | Yes |
| Windsurfing/foiling | No | Yes | Yes | Yes | Yes |
| Windsurfing - amateur races and competitions | No | No | Yes | Yes | Yes |
| Wing surfing/foiling | No | No | Yes | Yes | Yes |
| White water kayaking up to grade 3 | No | Yes | Yes | Yes | Yes |
| White water kayaking up to grade 5 | No | No | Yes | Yes | Yes |
| White water rafting up to grade 3 | No | Yes | Yes | Yes | Yes |
| White water rafting up to grade 5 | No | No | Yes | Yes | Yes |
| Yachting within 60 miles of a safe haven. | No | Yes | Yes | Yes | Yes |
Winter sports
| Adventure basic | Adventure plus | Max Adventure | Extreme Adventure | Pro Adventure | |
|---|---|---|---|---|---|
| Cross country langlauf skiing (on marked resort trails only) | Yes | Yes | Yes | Yes | Yes |
| Cross country langlauf skiing (away from resort trails) | No | Yes | Yes | Yes | Yes |
| Cross country langlauf ski marathon events (amateur) | No | No | Yes | Yes | Yes |
| Dog sledging (recreational day trips only, excluding exploratory or polar expeditions) | No | Yes | Yes | Yes | Yes |
| Dog sledging (guided multi-night trips, excluding exploratory or polar expeditions) | No | No | No | Yes | Yes |
| Guiding and instructing (please refer for agreement) | No | No | No | No | Yes |
| Heli skiing and snowcat skiing | No | No | Yes | Yes | Yes |
| Ice skating (recreational as part of a winter sports holiday) | Yes | Yes | Yes | Yes | Yes |
| Pipe and park freestyle skiing and snowboarding (excluding competitions) | No | No | No | Yes | Yes |
| Skiing - on and off piste with or without a guide | No | Yes | Yes | Yes | Yes |
| Ski-biking and ski bobbing (non-motorised, on piste only) | No | No | Yes | Yes | Yes |
| Ski Instructor training courses (31 day maximum duration please refer for agreement) | No | No | No | No | Yes |
| Ski touring (ascending using skins) - back country skiing, skidoo, snowcat or helicopter skiing | No | No | Yes | Yes | Yes |
| Ski touring (pulling pulks) - commercially guided tours only | No | No | No | Yes | Yes |
| Ski touring (pulling pulks) - unguided - please provide full details before purchase | No | No | No | No | Yes |
| Ski mountaineering - alpine ascents using mountaineering equipment (European destinations only) | No | No | No | Yes | Yes |
| Ski mountaineering - ascents using mountaineering equipment (Worldwide destinations upto 6500m) | No | No | No | No | Yes |
| Ski racing - organised amateur ski races forming part of a recreational winter sports holiday | No | No | No | No | Yes |
| Snowboarding - on and off piste with or without a guide | No | No | Yes | Yes | Yes |
| Snowboarding in back country areas including heli boarding and snowcat boarding | No | No | No | Yes | Yes |
| Snowmobiling (as a part of an organised holiday activity package, excludes liability insurance for motorised vehicles) | No | Yes | Yes | Yes | Yes |
| Snow shoeing away from marked resort trails | No | No | Yes | Yes | Yes |
| Snow shoeing on marked resort trails | No | Yes | Yes | Yes | Yes |
| Split boarding - back country touring | No | No | Yes | Yes | Yes |
| Telemark skiing - on and off piste with or without a guide on marked resort runs and unpisted trails on resort ski area maps | No | No | Yes | Yes | Yes |
| Tobogganing (as an organised holiday activity) | No | Yes | Yes | Yes | Yes |