Activity levels

Max Adventure

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)
  • Cycle touring (long distance endurance events)
  • Cycle touring (long distance endurance events off road tracks or gravel roads)
  • Fat biking on snow/ski trails
  • Iron man amateur events
  • Mountain biking - cross country (forest paths, tracks etc)
  • Mountain biking - cross country and trail riding only amateur competitive events
  • Mountain biking - trail riding (inc.lift accessed ski runs)
  • Triathlon amateur events (road races)
  • Triathlon amateur events (off 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 contact miscellaneous sports
  • Non manual voluntary or charity work
  • Obstacle racing (amateur events only)
  • 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
  • Running races (amateur) marathons
  • Safari
  • Yoga, Meditation and Art retreats
  • Zip lining (as a part of an organised holiday activity)

Mountain sports

  • Abseiling
  • Bouldering
  • Fell running
  • Glacial crossing/trekking
  • 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)
  • Hill walking or snow shoeing in winter conditions (e.g. in snow or ice where crampons and ropes might be used)
  • Multi pitch rock climbing (where leader placed protection is involved)
  • Non-technical walking on tracks and paths including coastal paths not in alpine or mountainous regions
  • Orienteering
  • Pot Holing and Caving (in previously explored systems where there is organised local cave rescue)
  • Scrambling
  • Single pitch and/or bolted sport climbing (inc.permanently bolted multi pitches)
  • Sport climbing (involving permanent fixed anchors)
  • Trad climbing (Traditional multi pitch climbing involving leader placed protection)
  • Trekking upto 4000m excluding Nepal
  • Via ferrata
  • Walking on tracks and paths including coastal paths not in alpine or mountainous regions

Water sports

  • Black water rafting (organised guided trips only)
  • Canadian canoeing on lakes or flat water
  • Canoeing on lakes or flat water
  • Canyoning and coasteering
  • Cave diving
  • 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
  • Jet skiing (as a part of an organised holiday activity package, excludes liability insurance for motorised vehicles)
  • Kite surfing/foiling
  • 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)
  • Sea kayaking (remote location expeditions - please refer details of trip for agreement)
  • Snorkelling
  • SUP paddle boarding (flat water only)
  • Surf kayaking
  • Surfing
  • Swimming - amateur open water events
  • Swimming - amateur winter 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
  • Windsurfing - amateur races and competitions
  • Wing surfing/foiling
  • White water kayaking or canoeing up to grade 3
  • White water kayaking or canoeing up to grade 5
  • White water rafting up to grade 3
  • White water rafting up to grade 5
  • 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)
  • Cross country langlauf ski marathon events (amateur)
  • 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)
  • Nordic cross country skiing (away from resort trails/multi day tours)
  • 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)
  • Skiing - off piste with or without a guide on marked resort runs and unpisted trails and patrolled runs on resort ski area maps that are left unpisted
  • Ski-biking and ski bobbing (non-motorised, on piste only)
  • Snowboarding - off piste with or without a guide on marked resort runs and unpisted trails and patrolled runs on resort ski area maps that are left unpisted
  • Snowmobiling (as a part of an organised holiday activity package, excludes liability insurance for motorised vehicles)
  • Snow shoeing
  • Telemark skiing - on and off piste with or without a guide on marked resort runs and unpisted trails on resort ski area maps
  • Tobogganing (as an organised holiday activity)