Your selected question and answer
Question:
Do you cover activities and sports that I may want to do on holiday?
Answer:
It depends on the activity you want to take part in. You are not covered for claims caused by you taking part in winter sports (unless you have paid to add winter sports to your policy), mountaineering, potholing, riding or driving in any kind of race, flying (except as a passenger in a fully-licensed passenger carrying aircraft) or doing any other dangerous activity.
For policies purchased on or after 16th October 2010, we do automatically cover the following -
| Abseiling – professionally organized and supervised | Archery – properly supervised |
| Camel riding – not racing | Canoeing/rafting – excluding white water rafting up to category 2 |
| Catamaran sailing – up to 12 miles from coast only | Clay-pigeon shooting – organized event |
| Cycling – transport only – excludes mountianbiking and BMX | Deep sea fishing – game fishing * |
| Dinghy sailing – up to 12 miles from coast only | Dry slope skiing |
| Fell walking – no picks or ropes | Fishing |
| Football – not professional, semi-professional or major competition or tournament | Gliding – not piloting and subject to flying with qualified pilot |
| Go-karting – up to 20cc | Hiking/walking/trekking – no ropes or equipment and on recognised routes |
| Horse riding – excluding jumping, hunting and competition | Hot air ballooning – licensed operation only, not piloting |
| Jet skiing | Marathon running – not professional |
| Orienteering | Paint balling/war games |
| Paragliding/parascending – over water only when attached to a speedboat* | Pony trekking |
| Quad biking – only if wearing a helmet and protective clothing and in a controlled environment and not participating in any race or competition, and the quad bike is not more than 125cc | Safaris without guns – professionally organised tours only |
| Suba diving to 30 metres (increased to 40 metres if you hold a recognised diving qualification which shows you are competent to make the dive) | Snorkelling |
| Surfing | Waterskiing |
| Wind surfing |
Winter Sports covers:
| Skiing on-piste | Skiing off-piste with a qualified instructor |
| Snowboarding on-piste | Snowboarding off-piste with a qualified instructor |
| Snowmobiling* | Cross-country skiing |
| Curling | Downhill skiing |
| Heli skiing* | Ice skating |
| Mogul skiing | Monoskiing |
| Tobogganing |
If you purchased your policy prior to 16th October 2010, you should call 0845 300 8800 to check what activities you are covered for.
For full terms and conditions, you should refer to your policy booklet
* Under Personal Liability cover, you will not be covered for liability caused directly or indirectly by you owning or using any aircraft, motorised vehicle, boat or any form of motorised leisure equipment.
