The Holiday+ Covers up to 85 Years of Age Single Trip / 75 Years of Age Annual Multi Trip.

When you buy annual multi-trip travel insurance you are covered to go away as many times as you want. Don’t forget however that there is a maximum per trip duration, the length of which depends on the level of cover you have chosen.

45 Days per trip (Upgrade to 60 Days per trip – Maximum Age 75).

We define a UK resident as being someone who has been living in the UK or the Channel Islands for at least six months, has a permanent UK address and is registered with a GP. Unfortunately, if you do not fit this criteria, we would not be able to provide you with cover.

Unfortunately, we are not able to cover you if you have already left the UK.

Travel Insurance should be purchased ASAB "As soon as booked" to protect you from unforeseen reasons to cancel as per the terms of your policy.

It is recommend that you disclose any medical condition(s) that you take regular prescribed medication for, or see a Doctor/Medical professional for such as:

• A cardiovascular or heart-related condition such as a heart attack, angina, chest pain or hypertension?
• A lung or respiratory-related condition (not including stable, well-controlled asthma if there is no other medical condition)?
• Any form of cancer whether in remission or not?
• A cerebro-vascular condition such as a stroke or T.I.A. (transient ischaemic attack)?
• A renal condition or diabetes?

Or if In the 12 months before the purchase of this Policy and until the start of any Insured Journey has any Insured Person suffered from a medical condition for which he/she:

• Is currently being prescribed or on regular medication?
• Is receiving treatment of any kind?
• Has required an organ transplant or required dialysis?

Or if any Relative or Colleague of an Insured Person, or travelling companion or friend with whom You are going to travel or stay, suffering from a medical condition which could reasonably be expected to give rise to a claim?

Failure to declare pre-existing conditions could void your insurance and you could find your claim is declined which you definitely want to avoid.

The Policy will cover you under the Sections of Missed Departure and Delay and Abandonment of a journey subject to the following:

Missed Departure

This section of the Policy sets out the cover We provide to each Insured Person in total per Insured Journey, up to the sum insured shown in the “Table of Benefits”, in the event that You arrive too late (as shown on Your ticket) to board Your pre-booked scheduled Public Transport at Your departure point on any leg of Your journey as a result of: Scheduled Public Transport services failing to get You to Your departure point due to Strike or Industrial Action

Travel Delay and Abandonment

This section of the Policy sets out the cover We provide to each Insured Person in total per Insured Journey, up to the sums insured shown in the “Table of Benefits”, in the event of Your unavoidable delay in departure of at least 12 hours from Your original scheduled departure time from Your first departure point on Your outward journey or Your last departure point on Your return journey as a result of Strike or Industrial Action.

Definition of Strike or Industrial Action

Any circumstances, such as Strike or Industrial Action, that were known or could reasonably have been anticipated at the time an Insured Journey was booked or the Policy or cover was purchased, whichever is later.

Please see the Policy Wording for the full terms and conditions.

An excess is the agreed amount you will pay towards a claim. For your travel insurance policy each person will pay an excess for each section they make a claim for.

For example, if you were a single traveller and made a claim for emergency medical treatment and for loss of personal money during a holiday, you would have an excess to pay for the emergency medical section claim, and an excess to pay for the personal money section claim.

See pages 17 and 18 of the policy wording for details on the excess that applies to each section.

If your claim is for Emergency Medical Treatment while abroad please contact the 24hour Assistance company in your Policy Wording.

If you need to make a claim, you should contact the claims handler noted in your Policy Wording or download a Claim Form.

Your policy covers you for many Adventure Activities and Sports as standard.

You can view the list of activities in the Policy Wording.

The policy covers you for Cancellation/Curtailment and Medical Expenses for COVID-19 as per the terms and limitations of your Policy Wording.

If you still have a question that you would like an answer for, please contact us. You might also find the answer in the Policy Wording.

Sports+ Covers up to 65 Years of Age Single Trip / Annual Multi-Trip

When you buy annual multi-trip travel insurance you are covered to go away as many times as you want. Don’t forget however that there is a maximum per trip duration, the length of which depends on the level of cover you have chosen.

45 Days per trip (Upgrade to 60 Days per trip).

Alpine / Para Alpine Skiing/Snow Boarding / Banked Slalom / Giant Slalom / Parallel Slalom / Parallel Giant Slalom / Slalom / Combined / Downhill / Super G / Terrain Park Skiing/Snowboarding (small jumps only – rails, boxes, table-tops, trees, park benches, picnic tables, mail boxes, wall rides, barrels, rainbows, kinks and jams).

(there is no cover for Personal liability whilst participating in these or related activities)

Your policy covers you for many Adventure Activities and Sports as standard:

• Aerobics
• Athletics (non-competitive only)
• Badminton
• Banana Boating
• Baseball
• Basketball
• Board Sailing (Windsurfing)
• Boccia
• Body Boarding
• Boogie Boarding
• Bowls/boules/pétanque
• Bridge Walking e.g. Sydney Harbour Bridge
• Canoeing/Kayaking - up to Grade 2 rivers only
• Canopy Walking
• Cricket
• Croquet
• Curling
• Cycling (not main purpose of trip - recreational only, no racing or competitions)
• Eton Fives
• Fell Running/Walking
• Fishing
• Fitness Training and Gym Work
• Floorball
• Football/Soccer (non-competitive only)
• Goalball
• Golf
• Gymnastics (non-competitive only)
• Handball
• High diving (from a purpose built diving board over a man-made pool)
• High ropes (must be booked with a licensed operator)
• Hiking (established, documented, paths/tracks/mapped routes only)
• Ice Skating (non-competitive only)
• Korfball
• Marathon Running
• Martial Art Forms (non-contact)
• Mountain Biking (recreational including general cross country and off road cycling)
• Netball
• Non-Manual Work. This includes work such as administrative and clerical duties, bar and restaurant work,
• fruit picking (not using machinery), musicians and singers.
• Orienteering
• Paddle Boarding
• Pedalo
• Racket Ball
• Rambling
• River Tubing (up to grade 2 rivers and not through caves)
• Roller Skating/Blading (wearing pads and helmets)
• Safari (professionally organised tour)
• Sail boarding (up to half a mile from shore)
• Sailing (inland waters or coastal waters within 12 miles of land)
• Sand surfing
• Sand safaris (must be booked with a licensed operator)
• SCUBA Diving (down to 30m accompanied by a qualified diver or instructor)
• Sea kayaking (within half mile of shore)
• Skating
• Skin diving
• Sleigh rides pulled by a horse or reindeer, as a passenger with a professional driver
• Snorkelling
• Softball
• Squash
• Surfing
• Swimming
• Swimming with dolphins
• Table tennis
• Ten pin bowling
• Tennis
• Trampolining
• Tree canopy walking (must be booked with a licensed operator)
• Trekking (established, documented, paths/tracks/ mapped routes with a professional local guide - up to 2,500 meters)
• Tug-of-war
• Ultimate Frisbee
• Underground activities (as part of an organised excursion or tour)
• Via ferrata
• Volleyball
• Wake boarding (cable) / Wakesurfing
• Water Polo
• Water Skiing (no jumping)
• Wind Surfing (non-competitive only)
• Zip lining/wiring

The following activities are covered under this Policy. However, no cover is provided for Personal accident or for Personal liability.

• Abseiling (within organiser's guidelines)
• Aerial safaris (only as a passenger with a licensed operator)
• Angling (inland or coastal waters within 12 miles of shore)
• Archery
• Black Water Rafting (within organiser's guidelines)
• Boxing Training (no contact)
• Bungee Jumping (within organiser's guidelines)
• Camp America
• Canoeing/Kayaking (up to grade 3 rivers only)
• Clay pigeon shooting (must be supervised by a licensed instructor and booked with a licensed operator)
• Deep sea fishing (must be booked with a licensed operator and within 12 miles of the coast)
• Fencing
• Flotilla Sailing (with professional leader)
• Gliding (must be supervised by a licensed instructor and booked with a licensed operator)
• Hang Gliding (tandem with a licensed operator)
• Hot Air Ballooning (organised pleasure rides only)
• Hockey
• Horse/pony riding/trekking (protective headgear to be worn, excluding jumping trials, hunting, jumping and competitive riding)
• Indoor Climbing (sport climbing with belays)
• Jet Boating (as a passenger only and no racing)
• Kneeboarding
• Motor sport mechanic
• Motorcycling as a rider or passenger (You must wear a crash helmet and, as a rider, with a valid license to ride such a motorcycle for a minimum of three years and be accidents or convictions free for last three years)
• Obstacle Course Racing
• Paint Balling (eye protection must be worn)
• Parachuting (static line or tandem only booked with a licensed operator)
• Paragliding (tandem with licensed operator)
• Parascending over water
• Rap Jumping/Running (within organiser's guidelines)
• Refereeing and Umpiring (on amateur basis)
• Rowing (non-competitive only)
• Safari Trekking on foot (professionally organised tour)
• Segway riding (organised tours only and a safety helmet must be worn)
• Technical Support (coach, manager and technicians)
• Weightlifting (non-competitive only)
• Wheelchair Racing
• Wheelchair Tennis
• White Water Rafting (up to grade 3 within organiser's guidelines)
• Wing Foiling
• Zorbing

Your policy will also cover you for other activities as show under category 1 to 4 below.

Category 1 - Includes all standard activities plus:

Category 2 - Includes all Category 1 activities plus:

Category 3 - Includes Category 1 and 2 activities plus:

Category 4 - Includes all Category 1,2 and 3 activities plus:

You can view the full list of activities in the Policy Wording.

If your activity or sport is not listed please contact your provider.

We will cover medical evacuation when this is medically necessary and agreed in advance by Our Assistance Company).

Categories 1 - 4 are covered if shown as covered for each Insured Person in the Policy Schedule and appropriate additional premium has been paid for training and competition. For the following activities under Categories 1, 2 , 3 and 4 there is no cover for Personal liability whilst participating in these or related activities.

We define a UK resident as being someone who has been living in the UK or the Channel Islands for at least six months, has a permanent UK address and is registered with a GP. Unfortunately, if you do not fit this criteria, we would not be able to provide you with cover.

Unfortunately, we are not able to cover you if you have already left the UK.

Travel Insurance should be purchased ASAB "As soon as booked" to protect you from unforeseen reasons to cancel as per the terms of your policy.

It is recommend that you disclose any medical condition(s) that you take regular prescribed medication for, or see a Doctor/Medical professional for such as:

• A cardiovascular or heart-related condition such as a heart attack, angina, chest pain or hypertension?
• A lung or respiratory-related condition (not including stable, well-controlled asthma if there is no other medical condition)?
• Any form of cancer whether in remission or not?
• A cerebro-vascular condition such as a stroke or T.I.A. (transient ischaemic attack)?
• A renal condition or diabetes?

Or if In the 12 months before the purchase of this Policy and until the start of any Insured Journey has any Insured Person suffered from a medical condition for which he/she:

• Is currently being prescribed or on regular medication?
• Is receiving treatment of any kind?
• Has required an organ transplant or required dialysis?

Or if any Relative or Colleague of an Insured Person, or travelling companion or friend with whom You are going to travel or stay, suffering from a medical condition which could reasonably be expected to give rise to a claim?

Failure to declare pre-existing conditions could void your insurance and you could find your claim is declined which you definitely want to avoid.

The Policy will cover you under the Sections of Missed Departure and Delay and Abandonment of a journey subject to the following:

Missed Departure

This section of the Policy sets out the cover We provide to each Insured Person in total per Insured Journey, up to the sum insured shown in the “Table of Benefits”, in the event that You arrive too late (as shown on Your ticket) to board Your pre-booked scheduled Public Transport at Your departure point on any leg of Your journey as a result of: Scheduled Public Transport services failing to get You to Your departure point due to Strike or Industrial Action

Travel Delay and Abandonment

This section of the Policy sets out the cover We provide to each Insured Person in total per Insured Journey, up to the sums insured shown in the “Table of Benefits”, in the event of Your unavoidable delay in departure of at least 12 hours from Your original scheduled departure time from Your first departure point on Your outward journey or Your last departure point on Your return journey as a result of Strike or Industrial Action.

Definition of Strike or Industrial Action

Any circumstances, such as Strike or Industrial Action, that were known or could reasonably have been anticipated at the time an Insured Journey was booked or the Policy or cover was purchased, whichever is later.

Please see the Policy Wording for the full terms and conditions.

An excess is the agreed amount you will pay towards a claim. For your travel insurance policy each person will pay an excess for each section they make a claim for.

For example, if you were a single traveller and made a claim for emergency medical treatment and for loss of personal money during a holiday, you would have an excess to pay for the emergency medical section claim, and an excess to pay for the personal money section claim.

See pages 17 and 18 of the policy wording for details on the excess that applies to each section.

If your claim is for Emergency Medical Treatment while abroad please contact the 24hour Assistance company in your Policy Wording.

If you need to make a claim, you should contact the claims handler noted in your Policy Wording or download a Claim Form.

Your policy covers you for many Adventure Activities and Sports as standard.

You can view the list of activities in the Policy Wording.

The policy covers you for Cancellation/Curtailment and Medical Expenses for COVID-19 as per the terms and limitations of your Policy Wording.

If you still have a question that you would like an answer for, please contact us. You might also find the answer in the Policy Wording.

The Traveller Covers up to 80 Years of Age Single Trip / 75 Years of Age Annual Multi Trip.

When you buy annual multi-trip travel insurance you are covered to go away as many times as you want. Don’t forget however that there is a maximum per trip duration, the length of each trip is 30 Days.

We define a UK resident as being someone who has been living in the UK or the Channel Islands for at least six months, has a permanent UK address and is registered with a GP. Unfortunately, if you do not fit this criteria, we would not be able to provide you with cover.

Unfortunately, we are not able to cover you if you have already left the UK.

Travel Insurance should be purchased ASAB "As soon as booked" to protect you from unforeseen reasons to cancel as per the terms of your policy.

It is recommend that you disclose any medical condition(s) that you take regular prescribed medication for, or see a Doctor/Medical professional for such as:

• A cardiovascular or heart-related condition such as a heart attack, angina, chest pain or hypertension?
• A lung or respiratory-related condition (not including stable, well-controlled asthma if there is no other medical condition)?
• Any form of cancer whether in remission or not?
• A cerebro-vascular condition such as a stroke or T.I.A. (transient ischaemic attack)?
• A renal condition or diabetes?

Or if In the 12 months before the purchase of this Policy and until the start of any Insured Journey has any Insured Person suffered from a medical condition for which he/she:

• Is currently being prescribed or on regular medication?
• Is receiving treatment of any kind?
• Has required an organ transplant or required dialysis?

Or if any Relative or Colleague of an Insured Person, or travelling companion or friend with whom You are going to travel or stay, suffering from a medical condition which could reasonably be expected to give rise to a claim?

Failure to declare pre-existing conditions could void your insurance and you could find your claim is declined which you definitely want to avoid.

The Policy will cover you under the Sections of Missed Departure and Delay and Abandonment of a journey subject to the following:

Missed Departure

This section of the Policy sets out the cover We provide to each Insured Person in total per Insured Journey, up to the sum insured shown in the “Table of Benefits”, in the event that You arrive too late (as shown on Your ticket) to board Your pre-booked scheduled Public Transport at Your departure point on any leg of Your journey as a result of: Scheduled Public Transport services failing to get You to Your departure point due to Strike or Industrial Action

Travel Delay and Abandonment

This section of the Policy sets out the cover We provide to each Insured Person in total per Insured Journey, up to the sums insured shown in the “Table of Benefits”, in the event of Your unavoidable delay in departure of at least 12 hours from Your original scheduled departure time from Your first departure point on Your outward journey or Your last departure point on Your return journey as a result of Strike or Industrial Action.

Definition of Strike or Industrial Action

Any circumstances, such as Strike or Industrial Action, that were known or could reasonably have been anticipated at the time an Insured Journey was booked or the Policy or cover was purchased, whichever is later.

Please see the Policy Wording for the full terms and conditions.

An excess is the agreed amount you will pay towards a claim. For your travel insurance policy each person will pay an excess for each section they make a claim for.

For example, if you were a single traveller and made a claim for emergency medical treatment and for loss of personal money during a holiday, you would have an excess to pay for the emergency medical section claim, and an excess to pay for the personal money section claim.

See pages 17 and 18 of the policy wording for details on the excess that applies to each section.

If your claim is for Emergency Medical Treatment while abroad please contact the 24hour Assistance company in your Policy Wording.

If you need to make a claim, you should contact the claims handler noted in your Policy Wording or download a Claim Form.

Your policy covers you for many Adventure Activities and Sports as standard.

You can view the list of activities in the Policy Wording.

The policy covers you for Cancellation/Curtailment and Medical Expenses for COVID-19 as per the terms and limitations of your Policy Wording.

If you still have a question that you would like an answer for, please contact us. You might also find the answer in the Policy Wording.

The Longstay policy covers up to the age of 65.

The maximum duration is 540 days. The policy also covers a Voluntary Break.

Voluntary Break

You temporarily interrupting Your Insured Journey to return Home due to homesickness, attending a family event, festivities or any other cause which is not subject to a claim under this Policy.

This is subject to certain terms and conditions within the Policy Wording.

We define a UK resident as being someone who has been living in the UK or the Channel Islands for at least six months, has a permanent UK address and is registered with a GP. Unfortunately, if you do not fit this criteria, we would not be able to provide you with cover.

Unfortunately, we are not able to cover you if you have already left the UK.

Travel Insurance should be purchased ASAB "As soon as booked" to protect you from unforeseen reasons to cancel as per the terms of your policy.

It is recommend that you disclose any medical condition(s) that you take regular prescribed medication for, or see a Doctor/Medical professional for such as:

• A cardiovascular or heart-related condition such as a heart attack, angina, chest pain or hypertension?
• A lung or respiratory-related condition (not including stable, well-controlled asthma if there is no other medical condition)?
• Any form of cancer whether in remission or not?
• A cerebro-vascular condition such as a stroke or T.I.A. (transient ischaemic attack)?
• A renal condition or diabetes?

Or if In the 12 months before the purchase of this Policy and until the start of any Insured Journey has any Insured Person suffered from a medical condition for which he/she:

• Is currently being prescribed or on regular medication?
• Is receiving treatment of any kind?
• Has required an organ transplant or required dialysis?

Or if any Relative or Colleague of an Insured Person, or travelling companion or friend with whom You are going to travel or stay, suffering from a medical condition which could reasonably be expected to give rise to a claim?

Failure to declare pre-existing conditions could void your insurance and you could find your claim is declined which you definitely want to avoid.

The Policy will cover you under the Sections of Missed Departure and Delay and Abandonment of a journey subject to the following:

Missed Departure

This section of the Policy sets out the cover We provide to each Insured Person in total per Insured Journey, up to the sum insured shown in the “Table of Benefits”, in the event that You arrive too late (as shown on Your ticket) to board Your pre-booked scheduled Public Transport at Your departure point on any leg of Your journey as a result of: Scheduled Public Transport services failing to get You to Your departure point due to Strike or Industrial Action

Travel Delay and Abandonment

This section of the Policy sets out the cover We provide to each Insured Person in total per Insured Journey, up to the sums insured shown in the “Table of Benefits”, in the event of Your unavoidable delay in departure of at least 12 hours from Your original scheduled departure time from Your first departure point on Your outward journey or Your last departure point on Your return journey as a result of Strike or Industrial Action.

Definition of Strike or Industrial Action

Any circumstances, such as Strike or Industrial Action, that were known or could reasonably have been anticipated at the time an Insured Journey was booked or the Policy or cover was purchased, whichever is later.

Please see the Policy Wording for the full terms and conditions.

An excess is the agreed amount you will pay towards a claim. For your travel insurance policy each person will pay an excess for each section they make a claim for.

For example, if you were a single traveller and made a claim for emergency medical treatment and for loss of personal money during a holiday, you would have an excess to pay for the emergency medical section claim, and an excess to pay for the personal money section claim.

See pages 17 and 18 of the policy wording for details on the excess that applies to each section.

If your claim is for Emergency Medical Treatment while abroad please contact the 24hour Assistance company in your Policy Wording.

If you need to make a claim, you should contact the claims handler noted in your Policy Wording or download a Claim Form.

Your policy covers you for many Adventure Activities and Sports as standard.

You can view the list of activities in the Policy Wording.

The policy covers you for Cancellation/Curtailment and Medical Expenses for COVID-19 as per the terms and limitations of your Policy Wording.

If you still have a question that you would like an answer for, please contact us. You might also find the answer in the Policy Wording.

The following activities are covered under this Policy

• Aerobics
• Athletics (amateur)
• Badminton
• Banana Boating
• Bar Work
• Baseball
• Basketball
• Board Sailing (Windsurfing)
• Body Boarding
• Boogie Boarding
• Bowls/boules/pétanque
• Bridge Walking e.g. Sydney Harbour Bridge
• Canoeing/Kayaking - up to Grade 2 rivers only
• Canopy Walking
• Cricket
• Croquet
• Curling
• Cycling (recreational only, no racing or competitions)
• Fell Running/Walking
• Fishing
• Football/Soccer (non-competitive only)
• Golf
• Gymnastics (non-competitive only)
• High diving (from a purpose built diving board over a man-made pool)
• High ropes (must be booked with a licensed operator)
• Hiking (established, documented, paths/tracks/mapped routes only - up to 2,500m)
• Ice Skating
• Marathon Running
• Mountain Biking (recreational including general cross country and off road cycling)
• Netball
• Non-Manual Work. This includes work such as administrative and clerical duties, bar and restaurant work, fruit picking (not using machinery), musicians and singers.
• Paddle Boarding
• Rambling
• Restaurant Work
• River Tubing (up to grade 2 rivers and not through caves)
• Roller Skating/Blading (wearing pads and helmets)
• Safari (professionally organised tour)
• Sail boarding (up to half a mile from shore)
• Sailing (inland waters or coastal waters within 12 miles of land)
• Sand surfing
• Sand safaris (must be booked with a licensed operator)
• SCUBA Diving (down to 30m accompanied by a qualified diver or instructor)
• Sea kayaking (within half mile of shore)
• Skating
• Skin diving
• Sleigh rides pulled by a horse or reindeer, as a passenger with a professional driver
• Snorkelling
• Softball
• Squash
• Surfing
• Swimming
• Swimming with dolphins
• Table tennis
• Ten pin bowling
• Tennis
• Trampolining
• Tree canopy walking (must be booked with a licensed operator)
• Trekking (established, documented, paths/tracks/ mapped routes with a professional local guide - up to 2,500m)
• Tug-of-war
• Underground activities (as part of an organised excursion or tour)
• Via ferrata
• Volleyball
• Wake boarding
• Water Polo
• Water Skiing (no jumping)
• Windsurfing
• Zip lining/wiring

The following activities are covered under this Policy. However, no cover is provided for Personal accident or for Personal liability.

• Abseiling (within organiser's guidelines)
• Aerial safaris (only as a passenger with a licensed operator)
• Angling (inland or coastal waters within 12 miles of shore)
• Archery
• Black Water Rafting (within organiser's guidelines)
• Bungee Jumping (within organiser's guidelines)
• Canoeing/Kayaking (up to grade 3 rivers only)
• Clay pigeon shooting (must be supervised by a licensed instructor and booked with a licensed operator)
• Deep sea fishing (must be booked with a licensed operator)
• Fencing
• Flotilla Sailing (with professional leader)
• Gliding (must be supervised by a licensed instructor and booked with a licensed operator)
• Go Karting
• Hot Air Ballooning (organised pleasure rides only)
• Hockey
• Horse/pony riding/trekking (protective headgear to be worn, excluding jumping trials, hunting, jumping and competitive riding)
• Indoor Climbing (sport climbing with belays)
• Jet Boating (as a passenger only and no racing)
• Jet skiing
• Motorcycling as a rider or passenger (You must wear a crash helmet and, as a rider, with a valid license to ride such a motorcycle for a minimum of three years and be accidents or convictions free for last three years)
• Paint Balling (eye protection must be worn)
• Parachuting (static line or tandem only booked with a licensed operator)
• Paragliding (tandem with licensed operator)
• Parascending over water
• Quad biking (guided tour only, protective headgear must be worn, must be supervised by a licensed instructor and booked with a licensed operator)
• Rap Jumping/Running (within organiser's guidelines)
• Rowing (no racing)
• Safari Trekking on foot (professionally organised tour)
• Segway riding (organised tours only and a safety helmet must be worn)
• White Water Rafting (up to grade 3 within organiser's guidelines)
• Zorbing

The following Winter Sports activities are only covered if You have paid the appropriate additional premium and Winter Sports cover is shown on Your Policy Schedule.

All other Winter Sports are excluded unless We agree, in writing, to cover them.

NOTE: in the table below, We use the generic terms “ski/skiing” to refer to skiing, snow-boarding, split- boarding and mono-skiing.

• Husky/dog sledging (only as a passenger booked with a licensed operator)
• Langlauf / cross country / Nordic walking
• Sit-skiing, skiing with outriggers and use of other (non-mechanised) equipment for the disabled
• Skiing Off-piste within the resort boundaries but excluding Terrain Parks
• Skiing On-piste
• Snowmobiling (guided tour only, protective headgear must be worn, must be supervised by a licensed instructor and booked with a licensed operator).
• Telemark skiing

The following activities are covered under this Policy

• Aerobics
• Athletics (non-competitive only)
• Badminton
• Banana Boating
• Baseball
• Basketball
• Board Sailing (Windsurfing)
• Boccia
• Body Boarding
• Boogie Boarding
• Bowls/boules/pétanque
• Bridge Walking e.g. Sydney Harbour Bridge
• Canoeing/Kayaking - up to Grade 2 rivers only
• Canopy Walking
• Cricket
• Croquet
• Curling
• Cycling (not main purpose of trip - recreational only, no racing or competitions)
• Eton Fives
• Fell Running/Walking
• Fishing
• Fitness Training and Gym Work
• Floorball
• Football/Soccer (non-competitive only)
• Goalball
• Golf
• Gymnastics (non-competitive only)
• Handball
• High diving (from a purpose built diving board over a man-made pool)
• High ropes (must be booked with a licensed operator)
• Hiking (established, documented, paths/tracks/mapped routes only)
• Ice Skating (non-competitive only)
• Korfball
• Marathon Running
• Martial Art Forms (non-contact)
• Mountain Biking (recreational including general cross country and off road cycling)
• Netball
• Non-Manual Work. This includes work such as administrative and clerical duties, bar and restaurant work,
• fruit picking (not using machinery), musicians and singers.
• Orienteering
• Paddle Boarding
• Pedalo
• Racket Ball
• Rambling
• River Tubing (up to grade 2 rivers and not through caves)
• Roller Skating/Blading (wearing pads and helmets)
• Safari (professionally organised tour)
• Sail boarding (up to half a mile from shore)
• Sailing (inland waters or coastal waters within 12 miles of land)
• Sand surfing
• Sand safaris (must be booked with a licensed operator)
• SCUBA Diving (down to 30m accompanied by a qualified diver or instructor)
• Sea kayaking (within half mile of shore)
• Skating
• Skin diving
• Sleigh rides pulled by a horse or reindeer, as a passenger with a professional driver
• Snorkelling
• Softball
• Squash
• Surfing
• Swimming
• Swimming with dolphins
• Table tennis
• Ten pin bowling
• Tennis
• Trampolining
• Tree canopy walking (must be booked with a licensed operator)
• Trekking (established, documented, paths/tracks/ mapped routes with a professional local guide - up to 2,500 meters)
• Tug-of-war
• Ultimate Frisbee
• Underground activities (as part of an organised excursion or tour)
• Via ferrata
• Volleyball
• Wake boarding (cable) / Wakesurfing
• Water Polo
• Water Skiing (no jumping)
• Wind Surfing (non-competitive only)
• Zip lining/wiring

The following activities are covered under this Policy. However, no cover is provided for Personal accident or for Personal liability.

• Abseiling (within organiser's guidelines)
• Aerial safaris (only as a passenger with a licensed operator)
• Angling (inland or coastal waters within 12 miles of shore)
• Archery
• Black Water Rafting (within organiser's guidelines)
• Boxing Training (no contact)
• Bungee Jumping (within organiser's guidelines)
• Camp America
• Canoeing/Kayaking (up to grade 3 rivers only)
• Clay pigeon shooting (must be supervised by a licensed instructor and booked with a licensed operator)
• Deep sea fishing (must be booked with a licensed operator and within 12 miles of the coast)
• Fencing
• Flotilla Sailing (with professional leader)
• Gliding (must be supervised by a licensed instructor and booked with a licensed operator)
• Hang Gliding (tandem with a licensed operator)
• Hot Air Ballooning (organised pleasure rides only)
• Hockey
• Horse/pony riding/trekking (protective headgear to be worn, excluding jumping trials, hunting, jumping and competitive riding)
• Indoor Climbing (sport climbing with belays)
• Jet Boating (as a passenger only and no racing)
• Kneeboarding
• Motor sport mechanic
• Motorcycling as a rider or passenger (You must wear a crash helmet and, as a rider, with a valid license to ride such a motorcycle for a minimum of three years and be accidents or convictions free for last three years)
• Obstacle Course Racing
• Paint Balling (eye protection must be worn)
• Parachuting (static line or tandem only booked with a licensed operator)
• Paragliding (tandem with licensed operator)
• Parascending over water
• Rap Jumping/Running (within organiser's guidelines)
• Refereeing and Umpiring (on amateur basis)
• Rowing (non-competitive only)
• Safari Trekking on foot (professionally organised tour)
• Segway riding (organised tours only and a safety helmet must be worn)
• Technical Support (coach, manager and technicians)
• Weightlifting (non-competitive only)
• Wheelchair Racing
• Wheelchair Tennis
• White Water Rafting (up to grade 3 within organiser's guidelines)
• Wing Foiling
• Zorbing

The following recreational Winter Sports activities are only covered if You have paid the appropriate additional premium and Winter Sports cover is shown on Your Policy Schedule.

All other Winter Sports are excluded unless We agree, in writing, to cover them.

NOTE: in the table below, We use the generic terms “ski/skiing” to refer to skiing, snow-boarding, splitboarding and mono-skiing.

• Husky/dog sledging (only as a passenger booked with a licensed operator)
• Langlauf / cross country / Nordic walking
• Sit-skiing, skiing with outriggers and use of other (non-mechanised) equipment for the disabled
• Ski instructor including training (excluding Personal Liability)
• Skiing Off-piste within the resort boundaries but excluding Terrain Parks
• Skiing On-piste
• Snow Tubing
• Telemark skiing

• Aquathlon
• Bike Polo
• Cheerleading (including competition)
• Clay Pigeon Shooting (including competition)
• Cycling (including road and track competition or main purpose of the trip)
• Cyclocross Racing
• Cycle Speedway
• Dragon Boat Racing (on inland waterways or within half a mile of the coast)
• Dressage
• Duathlon
• Field Hockey
• Football
• Gymnastic (including competition)
• Ice Skating (non-competitive only)
• Ironman
• Lacrosse
• Open Water Swimming (must be organised and with a support boat)
• Outrigger Canoeing (up to grade 3)
• Pistol Shooting (with licensed organisation)
• Rifle Shooting (with a licensed organisation)
• Roller Hockey
• Rowing (within half a mile of the coast)
• Scuba Diving (to a depth of 40 metres maximum as long as You have PADI or equivalent qualification to dive to that depth or You are diving with a licensed and fully qualified instructor. There is no cover if Youare flying within 24 hours of last dive or solo diving.)
• Skateboarding
• Touch Rugby
• Tough Guy
• Triathlon
• Weight Lifting (including competition)
• Wheelchair Fencing
• Windsurfing (including competition within 12 miles of the coast)
• Wing Foiling

If the winter sports extension is taken Category 1 includes:

• Biathlon (winter)
• Cross Country / Nordic / Para Nordic Skiing (including competition)
• Mono Skiing (on snow)

• Aikido
• BMX (racing and training)
• 4 Wheel Car Track days (run under accredited National Sporting Authorities’ regulations)
• Go Karting (excluding competition - protective headgear must be worn, must be supervised by a licensed martial and booked with a licensed operator)
• Ice Hockey
• Jet Skiing (non-competitive only)
• Jiu Jitsu (excluding Brazilian Jiu Jitsu)
• Judo
• Kendo
• Land Skiing
• Marathon des Sables
• Modern Pentathlon
• Polo
• Quad biking (guided tour only, protective headgear must be worn, must be supervised by a licensed instructor and booked with a licensed operator)
• Roller Derby
• Rugby League (amateur)
• Rugby Union (amateur)
• Scuba Diving (to a depth of 50 metres maximum as long as You have PADI or equivalent qualification to dive to that depth or You are diving with a licensed and fully qualified instructor. There is no cover if Youare flying within 24 hours of last dive or solo diving.)
• Sea Kayaking (within 12 miles of the coast)
• Sea Canoeing (within 12 miles of the coast)
• Short Track Speed Skating
• Shotakan Karate
• Taekwondo
• Wushu

If the winter sports extension is taken Category 2 includes all Category 1 activities plus:

Alpine / Para Alpine Skiing/Snow Boarding (Banked Slalom / Giant Slalom / Parallel Slalom / Parallel Giant Slalom / Slalom / Combined / Downhill / Super G / Terrain Park Skiing/Snowboarding (small jumps only – rails, boxes, table-tops, trees, park benches, picnic tables, mail boxes, wall rides, barrels, rainbows, kinks and jams)Snowmobiling (guided tour only, protective headgear must be worn, must be supervised by a licensed instructor and booked with a licensed operator) Tobogganing

• Australian Rules football
• Deep Sea Fishing
• Downhill Mountain Biking
• Gaelic Football
• Gliding
• Go Karting (including competition on licensed circuits - protective headgear must be worn, must be supervised by a licensed martial and booked with a licensed operator)
• Kite Surfing (including competition)
• Mountain Biking (including competition on designated tracks)
• Outrigger Canoeing (grades 4 & 5)
• Power Boating (including competition)
• River Canoeing, Kayaking and Rafting (grades 4 & 5)
• Sailing and Yachting (beyond 12 miles of the coast but excluding cross ocean)
• Trekking (established, documented, paths/tracks / mapped routes with a professional local guide – from 2,501 to 5,380 metres)
• Wheelchair Rugby

If the winter sports extension is taken Category 3 includes all Category 1 and 2 activities plus:

• Halfpipe (including competition)
• Heli-Skiing (with a licensed operator and local guide)
• Ski Touring (with a fully locally licensed guide provided that all instructions given by the guide are followed )

• Big Air (including Competition)
• Moguls (including Competition)

The following activities are covered under this Policy

• Aerobics
• Athletics (amateur)
• Badminton
• Banana Boating
• Bar Work
• Baseball
• Basketball
• Board Sailing (Windsurfing)
• Body Boarding
• Boogie Boarding
• Bowls/boules/pétanque
• Bridge Walking e.g. Sydney Harbour Bridge
• Canoeing/Kayaking - up to Grade 2 rivers only
• Canopy Walking
• Cricket
• Croquet
• Curling
• Cycling (recreational only, no racing or competitions)
• Fell Running/Walking
• Fishing
• Football/Soccer (non-competitive only)
• Golf
• Gymnastics (non-competitive only)
• High diving (from a purpose built diving board over a man-made pool)
• High ropes (must be booked with a licensed operator)
• Hiking (established, documented, paths/tracks/mapped routes only - up to 2,500m)
• Ice Skating
• Marathon Running
• Mountain Biking (recreational including general cross country and off road cycling)
• Netball
• Non-Manual Work. This includes work such as administrative and clerical duties, bar and restaurant work, fruit picking (not using machinery), musicians and singers.
• Paddle Boarding
• Rambling
• Restaurant Work
• River Tubing (up to grade 2 rivers and not through caves)
• Roller Skating/Blading (wearing pads and helmets)
• Safari (professionally organised tour)
• Sail boarding (up to half a mile from shore)
• Sailing (inland waters or coastal waters within 12 miles of land)
• Sand surfing
• Sand safaris (must be booked with a licensed operator)
• SCUBA Diving (down to 30m accompanied by a qualified diver or instructor)
• Sea kayaking (within half mile of shore)
• Skating
• Skin diving
• Sleigh rides pulled by a horse or reindeer, as a passenger with a professional driver
• Snorkelling
• Softball
• Squash
• Surfing
• Swimming
• Swimming with dolphins
• Table tennis
• Ten pin bowling
• Tennis
• Trampolining
• Tree canopy walking (must be booked with a licensed operator)
• Trekking (established, documented, paths/tracks/ mapped routes with a professional local guide - up to 2,500m)
• Tug-of-war
• Underground activities (as part of an organised excursion or tour)
• Via ferrata
• Volleyball
• Wake boarding
• Water Polo
• Water Skiing (no jumping)
• Windsurfing
• Zip lining/wiring

The following activities are covered under this Policy. However, no cover is provided for Personal accident or for Personal liability.

• Abseiling (within organiser's guidelines)
• Aerial safaris (only as a passenger with a licensed operator)
• Angling (inland or coastal waters within 12 miles of shore)
• Archery
• Black Water Rafting (within organiser's guidelines)
• Bungee Jumping (within organiser's guidelines)
• Canoeing/Kayaking (up to grade 3 rivers only)
• Clay pigeon shooting (must be supervised by a licensed instructor and booked with a licensed operator)
• Deep sea fishing (must be booked with a licensed operator)
• Fencing
• Flotilla Sailing (with professional leader)
• Gliding (must be supervised by a licensed instructor and booked with a licensed operator)
• Go Karting
• Hot Air Ballooning (organised pleasure rides only)
• Hockey
• Horse/pony riding/trekking (protective headgear to be worn, excluding jumping trials, hunting, jumping and competitive riding)
• Indoor Climbing (sport climbing with belays)
• Jet Boating (as a passenger only and no racing)
• Jet skiing
• Motorcycling as a rider or passenger (You must wear a crash helmet and, as a rider, with a valid license to ride such a motorcycle for a minimum of three years and be accidents or convictions free for last three years)
• Paint Balling (eye protection must be worn)
• Parachuting (static line or tandem only booked with a licensed operator)
• Paragliding (tandem with licensed operator)
• Parascending over water
• Quad biking (guided tour only, protective headgear must be worn, must be supervised by a licensed instructor and booked with a licensed operator)
• Rap Jumping/Running (within organiser's guidelines)
• Rowing (no racing)
• Safari Trekking on foot (professionally organised tour)
• Segway riding (organised tours only and a safety helmet must be worn)
• White Water Rafting (up to grade 3 within organiser's guidelines)
• Zorbing

The following Winter Sports activities are only covered if You have paid the appropriate additional premium and Winter Sports cover is shown on Your Policy Schedule.

All other Winter Sports are excluded unless We agree, in writing, to cover them.

NOTE: in the table below, We use the generic terms “ski/skiing” to refer to skiing, snow-boarding, split- boarding and mono-skiing.

• Husky/dog sledging (only as a passenger booked with a licensed operator)
• Langlauf / cross country / Nordic walking
• Sit-skiing, skiing with outriggers and use of other (non-mechanised) equipment for the disabled
• Skiing Off-piste within the resort boundaries but excluding Terrain Parks
• Skiing On-piste
• Snowmobiling (guided tour only, protective headgear must be worn, must be supervised by a licensed instructor and booked with a licensed operator).
• Telemark skiing

The following activities are covered under this Policy

• Aerobics
• Athletics (amateur)
• Badminton
• Banana Boating
• Bar Work
• Baseball
• Basketball
• Board Sailing (Windsurfing)
• Body Boarding
• Boogie Boarding
• Bowls/boules/pétanque
• Bridge Walking e.g. Sydney Harbour Bridge
• Canoeing/Kayaking - up to Grade 2 rivers only
• Canopy Walking
• Cricket
• Croquet
• Curling
• Cycling (recreational only, no racing or competitions)
• Fell Running/Walking
• Fishing
• Football/Soccer (non-competitive only)
• Golf
• Gymnastics (non-competitive only)
• High diving (from a purpose built diving board over a man-made pool)
• High ropes (must be booked with a licensed operator)
• Hiking (established, documented, paths/tracks/mapped routes only - up to 2,500m)
• Ice Skating
• Marathon Running
• Mountain Biking (recreational including general cross country and off road cycling)
• Netball
• Non-Manual Work. This includes work such as administrative and clerical duties, bar and restaurant work, fruit picking (not using machinery), musicians and singers.
• Paddle Boarding
• Rambling
• Restaurant Work
• River Tubing (up to grade 2 rivers and not through caves)
• Roller Skating/Blading (wearing pads and helmets)
• Safari (professionally organised tour)
• Sail boarding (up to half a mile from shore)
• Sailing (inland waters or coastal waters within 12 miles of land)
• Sand surfing
• Sand safaris (must be booked with a licensed operator)
• SCUBA Diving (down to 30m accompanied by a qualified diver or instructor)
• Sea kayaking (within half mile of shore)
• Skating
• Skin diving
• Sleigh rides pulled by a horse or reindeer, as a passenger with a professional driver
• Snorkelling
• Softball
• Squash
• Surfing
• Swimming
• Swimming with dolphins
• Table tennis
• Ten pin bowling
• Tennis
• Trampolining
• Tree canopy walking (must be booked with a licensed operator)
• Trekking (established, documented, paths/tracks/ mapped routes with a professional local guide - up to 2,500m)
• Tug-of-war
• Underground activities (as part of an organised excursion or tour)
• Via ferrata
• Volleyball
• Wake boarding
• Water Polo
• Water Skiing (no jumping)
• Windsurfing
• Zip lining/wiring

The following activities are covered under this Policy. However, no cover is provided for Personal accident or for Personal liability.

• Abseiling (within organiser's guidelines)
• Aerial safaris (only as a passenger with a licensed operator)
• Angling (inland or coastal waters within 12 miles of shore)
• Archery
• Black Water Rafting (within organiser's guidelines)
• Bungee Jumping (within organiser's guidelines)
• Canoeing/Kayaking (up to grade 3 rivers only)
• Clay pigeon shooting (must be supervised by a licensed instructor and booked with a licensed operator)
• Deep sea fishing (must be booked with a licensed operator)
• Fencing
• Flotilla Sailing (with professional leader)
• Gliding (must be supervised by a licensed instructor and booked with a licensed operator)
• Go Karting
• Hot Air Ballooning (organised pleasure rides only)
• Hockey
• Horse/pony riding/trekking (protective headgear to be worn, excluding jumping trials, hunting, jumping and competitive riding)
• Indoor Climbing (sport climbing with belays)
• Jet Boating (as a passenger only and no racing)
• Jet skiing
• Motorcycling as a rider or passenger (You must wear a crash helmet and, as a rider, with a valid license to ride such a motorcycle for a minimum of three years and be accidents or convictions free for last three years)
• Paint Balling (eye protection must be worn)
• Parachuting (static line or tandem only booked with a licensed operator)
• Paragliding (tandem with licensed operator)
• Parascending over water
• Quad biking (guided tour only, protective headgear must be worn, must be supervised by a licensed instructor and booked with a licensed operator)
• Rap Jumping/Running (within organiser's guidelines)
• Rowing (no racing)
• Safari Trekking on foot (professionally organised tour)
• Segway riding (organised tours only and a safety helmet must be worn)
• White Water Rafting (up to grade 3 within organiser's guidelines)
• Zorbing

The following Winter Sports activities are only covered if You have paid the appropriate additional premium and Winter Sports cover is shown on Your Policy Schedule.

All other Winter Sports are excluded unless We agree, in writing, to cover them.

NOTE: in the table below, We use the generic terms “ski/skiing” to refer to skiing, snow-boarding, split- boarding and mono-skiing.

• Husky/dog sledging (only as a passenger booked with a licensed operator)
• Langlauf / cross country / Nordic walking
• Sit-skiing, skiing with outriggers and use of other (non-mechanised) equipment for the disabled
• Skiing Off-piste within the resort boundaries but excluding Terrain Parks
• Skiing On-piste
• Snowmobiling (guided tour only, protective headgear must be worn, must be supervised by a licensed instructor and booked with a licensed operator).
• Telemark skiing