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The activities covered by our travel insurance

Take a look at the fun holiday activities our different travel insurance policies cover you for.

Standard activities

You're automatically covered to do any of these activities on an amateur basis while on a trip.

  • Archery
  • Badminton
  • Banana boating
  • Baseball
  • Basketball
  • Body and boogie boarding
  • Bowls and bowling
  • Camel and elephant riding as part of an organised event
  • Canoeing, kayaking and rafting - grade 1 and 2 waters only
  • Cricket
  • Cruises - as a passenger on an organised trip
  • Curling
  • Cycling but not BMX or mountain biking (other than normal road cycling using a mountain bike) or racing
  • Dingy sailing no more than 3 miles from the mainland
  • Fishing
  • Football (including soccer, 5-a-side, Gaelic, Footbag, Hacky Sack, indoor and beach)
  • Go-karting if you wear a helmet and follow the organiser's guidelines
  • Golf
  • Ice skating on a rink and not speed or inline skating
  • Jogging or running
  • Orienteering
  • Paintballing if you wear eye protection
  • Parascending or parasailing over water (once only and only if fully supervised)
  • Pony trekking
  • Rambling
  • Roller skating and roller-blading
  • Rowing no more than 3 miles from the mainland
  • Safari trekking as part of an organised tour
  • Scuba diving to a depth of 18 metres if you are diving with another person and you both hold a certificate of proficiency, but not within 24 hours of a flight
  • Skateboarding if you wear a helmet
  • Sledging or sleigh riding if you are a passenger and being pulled by dogs, horses or reindeer
  • Snorkelling
  • Softball or rounders
  • Squash
  • Swimming no more than 3 miles from the mainland
  • Table tennis
  • Tennis
  • Trekking, hiking or fell walking up to 2,500 metres
  • Volleyball

Adventure activities (Premier cover only)

With our Premier cover, you're also covered to do these activities on an amateur basis while on a trip.

  • Abseiling if fully supervised
  • Boating and sailing or yachting up to 12 miles from the mainland
  • Canoeing, kayaking and rafting up to grade 5 waters (including white waters)
  • Clay pigeon shooting if fully supervised
  • Dry slope skiing if wearing a helmet
  • Fencing if supervised by a qualified person
  • Horse riding if wearing a riding hat/helmet
  • Hot air ballooning as a passenger
  • Jet skiing but there is no personal liability cover for this activity
  • Land sailing or land yachting but there is no personal liability cover for this activity
  • Mountain biking if wearing a helmet and as part of an organised group
  • Quad biking wearing a helmet, not racing and as part of an organised group, but there is no personal liability cover for this activity
  • Rock climbing wearing a helmet and fully supervised or qualified
  • Sailboarding
  • Scuba diving to a depth of 40 metres if you are diving with another person and you both hold a certificate of proficiency, but not within 24 hours of a flight
  • Surfing and flowriding
  • Trekking and hiking and fell walking up to 6,000 metres
  • Ultimate frizbee
  • Wakeboarding
  • Water polo
  • Water skiing
  • White water rafting up to grade 5 waters
  • Windsurfing
  • Zorbing or sphereing following organiser's instructions

If you can't find the activity you want to do above, please contact us with the details as we may be able to cover you for it.

Winter sports activities (optional cover)

You're covered for:

  • skiing
  • big-foot skiing
  • cross-country skiing
  • mono-skiing
  • glacier skiing
  • indoor skiing
  • Sledging and tobogganing
  • Snowboarding
  • snowblading
  • Snowmobiling / skidooing but there is no personal liability cover for this activity

Going off piste

You're covered to ski and snowboard off piste provided you're within the ski area boundaries of a recognised ski resort and are following ski patrol guidelines.


You're NOT covered for:

  • bobsleighing
  • luging
  • heli skiing
  • ski acrobatics
  • ski flying
  • ski-jumping
  • ski stunting
  • ski mountaineering
  • ski randonee
  • ski touring
  • ski racing
  • snow cat skiing

Buying LV= travel insurance is quick and easy

Want to call for a quote?
call our UK-based call centre on:

0800 022 3919

8am - 9pm Monday to Friday
8am - 5pm Saturday
9am - 5pm Sunday and bank holidays

More contact details

Calls may be recorded

Policy documents

These documents are for new policies.

Your Document of Travel Insurance (PDF 491KB)

Travel Insurance Policy Summary (PDF 412KB)

Important Information (PDF 364KB)

Existing customers should contact us for copies of their policy documents.

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LV=, County Gates, Bournemouth, BH1 2NF, UK

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