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)
  • Triathlon amateur events (road races)

General sports/general travel

  • Backpacking
  • Beach holidays
  • Bungee jumping (professionally organised holiday excursions only)
  • Camel desert safaris
  • City breaks
  • Cruises
  • 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 voluntary or charity work
  • Quad biking (as a part of an organised holiday activity package, excludes liability insurance for motorised vehicles)
  • Running races (amateur) including 10K and half marathons
  • Safari
  • Yoga, Meditation and Art retreats
  • Zip lining (as a part of an organised holiday activity)

Mountain sports

  • Abseiling
  • Bouldering
  • Hiking on tracks and paths including coastal paths not in alpine or mountainous regions
  • Hill walking in summer conditions below 3000m (e.g. Tour de Mont Blanc, Hut to Hut tours)
  • Non-technical walking on tracks and paths including coastal paths not in alpine or mountainous regions
  • Orienteering
  • Scrambling
  • Single pitch and/or bolted sport climbing (inc.permanently bolted multi pitches)
  • Sport climbing (involving permanent fixed anchors)
  • Via ferrata
  • Walking on tracks and paths including coastal paths not in alpine or mountainous regions

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)
  • e-foiling
  • Flotilla sailing
  • Freediving (as a part of an organised course/activity)
  • Hydro speeding
  • 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 kayaking (day trips)
  • Sea kayaking (multi day excursions)
  • Snorkelling
  • SUP paddle boarding (flat water only)
  • Surf kayaking
  • 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 or canoeing 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)
  • Dog sledging (recreational day trips only, excluding exploratory or polar expeditions)
  • Ice skating (recreational as part of a winter sports holiday)
  • Nordic cross country skiing (on marked resort trails only)
  • Skiing and snowboarding on pisted areas on graded (green, blue, red, black) resort runs (including skiing off the marked piste at the sides of ski runs or between runs to access lifts)
  • Snowmobiling (as a part of an organised holiday activity package, excludes liability insurance for motorised vehicles)
  • Snow shoeing
  • Tobogganing (as an organised holiday activity)