Activity levels

Max Adventure

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)
Mountain karting (non-motorised)
Non contact miscellaneous sports
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)

Abseiling
Big wall climbing (multi pitch/multi day ascents)
Bouldering
Fell running
Glacial crossing/trekking
Hill walking in summer conditions (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)
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 in the greater ranges (e.g. Nepal, South America)
Trekking upto 6000m in the greater ranges (eg, Everest base camp, Inca Trail, Kilimanjaro)
Via ferrata

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)
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
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
Sea kayaking (multi day excursions)
Snorkelling
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 up to grade 3
White water kayaking 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.

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)
Heli skiing and snowcat skiing
Ice skating (recreational as part of a winter sports holiday)
Skiing - on and off piste with or without a guide
Ski-biking and ski bobbing (non-motorised, on piste only)
Ski touring (ascending using skins) - back country skiing or snowboarding, skidoo, snowcat or helicopter skiing
Snowboarding - 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 away from marked resort trails
Snow shoeing on marked resort trails
Split boarding - back country touring
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)