Activity levels
Adventure plus
Bike sports
- Cycle touring (tarmac roads)
- Cycle touring - amateur event road racing
- Cycle touring (high altitude alpine passes tarmac roads)
- Cycle touring (off road tracks or gravel roads)
- Mountain biking - cross country (forest paths, tracks etc)
General sports/general travel
- Backpacking
- Beach holidays
- Bungee jumping (professionally organised holiday excursions only)
- Camel desert safaris
- City breaks
- Cheerleader amateur competitions
- Cruises
- Dance holidays and competitions (not involving gymnastics)
- Dance holidays and competitions (involving gymnastics)
- Fishing (fly/coarse/beach/pier)
- Fishing (sea fishing within coastal waters 12 miles from shore)
- Go karting (as a part of an organised holiday activity package, excludes liability insurance for motorised vehicles)
- Golf
- Horse riding/pony trekking
- Jogging (non-competitive running)
- Motor cycle touring (tarmac roads only)
- Non manual business travel
- Non manual voluntary or charity work
- Quad biking (as a part of an organised holiday activity package, excludes liability insurance for motorised vehicles)
- Running races including amateur marathons
- Safari
- Yoga, Meditation and Art retreats
- Zip lining (as a part of an organised holiday activity)
Mountain sports
- Abseiling
- Bouldering
- Hill walking in summer conditions (e.g. Tour de Mont Blanc, Hut to Hut tours)
- Orienteering
- Scrambling
- Single pitch and/or bolted sport climbing (inc.permanently bolted multi pitches)
- Sport climbing (involving permanent fixed anchors)
- Trekking upto 4000m in the greater ranges (e.g. Nepal, South America)
- Via ferrata
Water sports
- Canadian canoeing on lakes or flat water
- Canoeing on lakes or flat water
- Canyoning and coasteering
- Coastal sailing/yachting (within 12 miles of the shore)
- Dinghy sailing
- Dinghy racing (amateur events only)
- Flotilla sailing
- Freediving (as a part of an organised course/activity)
- Hydro speeding
- Paddle boarding
- River boarding
- River wilderness canoeing (guided trips)
- Rowing (including amateur events)
- Sailing regattas (organised amateur events only)
- Scuba diving to 40 meters (subject to qualification or undertaking a recognised course)
- Scuba diving to depths exceeding 40 meters (subject to qualification or undertaking a recognised course)
- Sea and surf kayaking
- Snorkelling
- Surfing
- Swimming - amateur open water events
- Swimming treks (organised and professionally supported)
- Tall ship sailing (as crew with a professionally organised company)
- Wake boarding and water skiing
- Windsurfing/foiling
- White water kayaking up to grade 3
- White water rafting up to grade 3
- Yachting within 60 miles of a safe haven.
Winter sports
- Cross country langlauf skiing (on marked resort trails only)
- Cross country langlauf skiing (away from resort trails)
- Dog sledging (recreational day trips only, excluding exploratory or polar expeditions)
- Ice skating (recreational as part of a winter sports holiday)
- Skiing - on and off piste with or without a guide
- Snowmobiling (as a part of an organised holiday activity package, excludes liability insurance for motorised vehicles)
- Snow shoeing on marked resort trails
- Tobogganing (as an organised holiday activity)