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Travel insurance activities covered

Activities covered by our travel insurance

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What's covered by our travel insurance?

There's so much you can do on holidays, from fishing and swimming to hiking and rock climbing. Not sure what's covered by our travel insurance and what's not? Take a look at all the holiday activities our different travel insurance policies cover you for. 

If you can't find your favourite activity, please contact us with the details - we might be able to cover you for it.

Standard activities

Our Essential policy covers you for all of the following activities while you're away. There's no cover under this policy for any sporting activity where money is paid to you to take part, or for any kind of manual work. 

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  • Archery
  • Badminton
  • Banana boating
  • Baseball
  • Basketball
  • Body and boogie boarding
  • Bowls and bowling
  • Bungee jump. You're covered for one jump only, and only if fully supervised by a person experienced in this activity
  • Camel and elephant riding if fully supervised by a person experienced in this activity
  • Canoeing, kayaking and rafting - grade one and two waters only
  • Cricket
  • Cruise activities organised by the cruise company and take place on the cruise vessel
  • Curling
  • Cycling, but not BMX or mountain biking (other than normal road cycling using a mountain bike) or racing
  • Dinghy sailing, no more than three miles from the mainland
  • Fishing
  • Football (including soccer, five-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 if fully supervised by a person experienced in this activity
  • Paddle boarding
  • Pony trekking
  • Rambling
  • Roller skating and roller-blading
  • Rowing, no more than three miles from the mainland
  • Running
  • 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, or you're diving with a qualified instructor in this profession but not within 24 hours of a flight
  • Skateboarding if you wear a helmet
  • Sledging or sleigh riding if you're a passenger and being pulled by dogs, horses or reindeer
  • Snorkelling
  • Softball or rounders
  • Squash
  • Swimming, no more than three miles from the mainland
  • Table tennis
  • Tennis
  • Trekking, hiking or fell walking up to 2,500 metres
  • Volleyball

Adventure activities 

Our Premier policy keeps you covered if you're participating in any adventure activities while on a trip. There's no cover under this policy for any sporting activity where money is paid to you to take part, or for any kind of manual work.

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  • Abseiling, if fully supervised
  • Boating and sailing or yachting up to 12 miles from the mainland
  • Canoeing, kayaking and rafting up to grade five waters (including white waters)
  • Clay pigeon shooting, if fully supervised by a person experienced in this activity
  • Conservation work and charity work but excluding any form of manual work, medical work or any form of work at a medical care facility
  • Dry slope skiing, if wearing a helmet
  • Fencing, if fully supervised by a person experienced in this activity
  • Horse riding, if wearing a riding hat/helmet
  • Hot air ballooning as a passenger
  • Jet skiing, but there's no personal liability cover for this activity
  • Land sailing or land yachting, but there's no personal liability cover for this activity
  • Marathon running
  • Mountain biking, except for downhill mountain biking, if booked with a fully licensed company and while wearing a helmet
  • Quad biking wearing a helmet, not racing and as part of an organised group, but there's no personal liability cover for this activity
  • Rock climbing, if qualified or fully supervised by a person experienced in this activity, and wearing a helmet
  • Sailboarding
  • Scuba diving to a depth of 40 metres if you're diving with another person and you both hold a certificate of proficiency, or you're diving with a qualified instructor in this profession, but not within 24 hours of a flight
  • Surfing and flowriding
  • Trekking and hiking and fell walking up to 6,000 metres
  •  Triathlon competitions
  • Ultimate frisbee
  • Wakeboarding
  • Water polo
  • Water skiing
  • White water rafting up to grade five waters
  • Windsurfing
  • Zorbing or sphereing following organiser's instructions experienced in this activity

Winter sports activities (optional cover)

You're covered for:

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  • Skiing
  • Big-foot skiing
  • Cross-country skiing
  • Mono-skiing
  • Glacier skiing
  • Indoor skiing
  • Sledging and tobogganing
  • Snowboarding 
  • Snowblading
  • Snowmobiling / skidooing, but there's 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:

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  • Bobsleighing or skeleton bobsleighing
  • Luging
  • Heli-skiing
  • Ski acrobatics
  • Ski flying
  • Ski-jumping
  • Ski stunting
  • Ski mountaineering
  • Ski randonee
  • Ski touring
  • Ski racing
  • Snowcat skiing

Now sit back, relax and start your travel quote