You’re covered for a range of Extreme sports and activities, but there are specific limits and exclusions you need to be aware of.
What is covered
- Cover applies during your single trip or annual multi-trip policy
- You are covered for up to a maximum of 15 days in total for Annual Multi-trip policies; the term of your Single Trip.
- A £100 medical excess applies per activity
Important exclusions
- There is no cover under:
- Personal accident
- Personal liability
- These exclusions apply while you are taking part in any of the listed activities
Activities included
Cover applies to a wide range of activities, including:
Adventure and water-based activities:
Canyoning, coasteering, white water rafting (grades 4–6), scuba diving (up to specified depths), shark diving (in a cage), sea kayaking
Air and height-based activities:
Paragliding, parachuting (Europe only), sky diving (Europe only), hang-gliding (Europe only), high diving
Land and extreme sports:
Mountain biking (including downhill), rock climbing (not mountaineering), rugby, roller derby, gymnastics (non-competitive)Motor and specialist activities:
Quad biking, motorcycling over 125cc (with appropriate licence), micro lighting (Europe only)
Other activities:
Horse jumping, fencing, manual work (limited conditions), zorbing, via ferrata
What this means
- You can take part in listed Extreme sports and activities with cover in place
- However, cover is time-limited, includes a medical excess, and excludes certain sections like personal liability
What to check
- Whether your activity is on the approved list
- That you stay within the 15-day limit
- Any specific conditions (such as location or qualifications required)
Updated