Hazard Activities, called Extreme Sports & Activities in the policy, can be covered for up to 15 days if you add the optional cover and pay the appropriate additional premium.
What this article helps you do
This article explains which higher-risk activities can be covered, the medical excess that applies and the main restrictions you need to know about.
Cover at a glance
| Cover | What applies |
|---|---|
| Additional cover required | Extreme Sports & Activities |
| Additional premium required | Yes |
| Maximum activity period | Up to 15 days |
| Medical excess | Usually £100; some activities have a £250 excess |
| Personal Accident cover while taking part | No |
| Personal Liability cover while taking part | No |
The activities must be professionally organised, or you must be accompanied by an experienced or qualified instructor or guide. Alternatively, you must be suitably qualified or able to show relevant experience.
You must also wear appropriate safety equipment, clothing and headgear and take the necessary safety precautions.
Please refer to your policy wording booklet for the specific activities and their excess.
Which Hazard Activities can be covered?
The listed Extreme Sports & Activities include:
- American football
- Assault course
- Battle re-enactment
- Breathing observation bubble diving – maximum depth 30 metres
- Canyoning
- Canyon swinging
- Cascading
- Coasteering
- Fencing
- Flying – Europe only, when piloting a private or small aircraft or helicopter
- Gliding
- Gorge swinging
- Gorge walking
- Gymnastics – non-competitive
- Hang-gliding – Europe only
- High diving
- Hiking on recognised routes between 3,000 and 5,000 metres
- Horse jumping – not polo or hunting
- Hydro speeding
- Kite surfing over land
- Luge on dry or concrete surfaces
- Manual work – not connected with your business, trade or profession, at ground level only and without machinery
- Martial arts – training only
- Micro lighting – Europe only
- Motorcycling over 125cc – not racing or off-road riding, and you must hold the equivalent UK licence
- Mountain biking, including downhill racing and off-road riding
- Mountain boarding
- Ostrich riding or racing
- Parachuting – Europe only and not BASE jumping
- Paragliding
- Parapenting
- Parasailing over land or snow
- Parascending over land or snow
- Quad biking
- Rock climbing – not mountaineering
- Roller derby
- Rugby
- Sand yachting
- Sea canoeing
- Sea kayaking
- Shark diving inside a cage
- Sky diving – Europe only
- Tall-ship crewing
- Via ferrata
- White or black water rafting – grades 4 to 6
- Yachting – racing or crew, including the outside-territorial-waters scenario described in the Help Centre information
- Zorbing
Activities with plan-specific limits
Some activities differ depending on your plan.
Scuba diving
- Budget: qualified diving to a maximum depth of 40 metres or 50 metres, depending on the listed activity selected
- Silver and Gold: qualified diving to a maximum depth of 50 metres
- Black: qualified diving to a maximum depth of 40 metres
Glacier walking or trekking
- Budget: over 2,000 metres but under 6,000 metres
- Silver and Gold: over 2,000 metres but under 5,000 metres
- Black: over 3,000 metres but under 5,000 metres
Trekking
- Budget, Silver and Gold: between 3,000 and 5,000 metres
- Black: over 3,000 metres but under 5,000 metres
Heli-skiing is also listed under Extreme Sports & Activities, subject to the applicable activity conditions.
What medical excess applies?
A £100 medical excess applies to most of the listed Extreme Sports & Activities.
A £250 medical excess applies to:
- glacier walking or trekking at the plan-specific altitudes above
- heli-skiing
- Budget trekking between 3,000 and 5,000 metres
The activity medical excess is not removed by Excess Waiver.
Personal Accident and Personal Liability
There is no cover under the Personal Accident or Personal Liability sections while you are taking part in any activity listed under Extreme Sports & Activities.
Before you travel
Make sure Extreme Sports & Activities cover has been added and is shown on your Policy Schedule before taking part.
If your activity is not listed, speak to an adviser before you travel.
Eligibility, terms and exclusions apply. Please refer to your policy documents for full details.
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