Acceptable sports & leisure activities
Category 1 acceptable sports & leisure activities
The following activities are automatically included within the cover:
· archery, if adequately supervised (amateur)
· badminton (amateur)
· baseball (amateur)
· basketball (amateur)
· beach games
· black water rafting (Grade 1 to 4)
· bungee jumping (up to 3 jumps)
· canoeing
· clay pigeon shooting
· cricket (amateur)
· cycling
· dinghy sailing
· fell walking
· fencing
· fishing
· football (amateur)
· golf (amateur)
· hiking (under 2000 metres altitude)
· horse riding (up to 7 days)
· hot air ballooning which has been organised in the UK prior to departure
· jet boating
· jet skiing
· jogging
· marathon running (amateur)
· motorcycling up to 50cc
· netball (amateur)
· orienteering
· outwardbound pursuits
· paintballing
· parascending (over water)
· racquetball
· rambling
· river canoeing
· roller skating, roller blading
· rounders
· rowing
· running-sprint/long distance (amateur)
· safari (UK organised)
· sail boarding
· sailing within territorial limits
· scuba diving up to 15 metres, if adequately supervised
· skate boarding
· snorkelling
· squash (amateur)
· surfing(amateur, Under 14 days)
· tennis (amateur)
· tour operator safari
· track events
· trekking (under 2000 metres altitude)
· triathlon
· volleyball (amateur)
· war games
· water polo (amateur)
· water skiing (amateur)
· white water rafting (Grade 1 to 4)
· windsurfing (amateur)
· work abroad
· yachting (racing/crewing inside territorial waters)

Hazardous sports & leisure activities

The following are not included in the definitions:
· white water canoeing
· bmx or mountain biking
· deep sea fishing
· horse jumping
· hunting on horseback
· polo on horseback
· motorcycling up to 50cc racing
· scuba diving within 24 hours prior to departure
· manual work abroad
· use of machinery

The following activities are considered to be hazardous sports & leisure activities. You will only be covered whilst participating in this hazardous sport or leisure activity, if you have paid the appropriate additional premium before your trip commenced and the activity is shown on your certificate.

The underwriter will not :
· cover any child aged under 10, who is not supervised by an adult when participating in a hazardous sport or leisure activity.
· cover any person aged 66 or over, who is participating in a hazardous sport or leisure activity.
· provide any cover if you receive any financial reward or gain as a result of participating in the hazardous sport or leisure activity.
· pay any personal liability claim, which arises directly or indirectly, as a result of you participating in a hazardous sport or leisure activity.

Category 2 hazardous sports & leisure activities
· boxing training (no contact)
· camel riding
· cycle touring
· deep sea fishing
· dog sledging
· elephant riding
· flying in a private plane or small aircraft
· flying as passenger in a private plane or small aircraft
· go karting (specific use)
· gymnastics
· hiking (between 2,000 and 6,000 metres altitude)
· hockey
· horse riding (over 7 days)
· hot air ballooning (non-UK organised)
· hydro zorbing
· kayaking
· manual work
· martial arts (training only)
· use of motorcycles over 50cc
· mountain biking
· pony trekking
· quad biking
· rugby (amateur)
· safari (non-UK organised)
· scuba diving between 15 and 30 metres in depth
· sea canoeing
· ski-dooing
· sky diving
· surfing (over 14 days, amateur)
· trekking (between 2,000 and 6,000 metres altitude)
· work abroad
Category 3 hazardous sports & leisureactivities
· abseiling
· american football (amateur)
· big game hunting
· black water rafting (grade 5 to 6 inclusive)
· gliding
· ice skating (not hockey)
· outdoor endurance events
· parachuting
· paragliding
· parascending (over land)
· sail boarding
· sand boarding
· sand yachting
· snow mobiling
· white water canoeing
· white water rafting (grade 5 to 6 inclusive)
· wintersports
· yachting (racing / crewing) - outside territorial waters

The following are not included in the Category 2 definitions:
· contact boxing
· hunting on horseback
· polo on horseback
· horse jumping
· hot air ballooning organised in the UK prior to travel
· manual work which is not at ground level
· manual work involving the use of machinery
· motorcycles over 50cc racing
· safari's organised in the UK
· scuba diving within 24 hours prior to departure
· scuba diving below 30 metres in depth
· work abroad which is not at ground level
· work abroad involving the use of machinery

Category 4 hazardous sports & leisureactivities
· animal riding
· bmx cycling
· bob sleighing
· canyoning
· hang gliding
· heli-skiing
· high diving (amateur)
· horse jumping
· ice hockey
· land yachting
· luging
· manual work
· micro lighting
· motor rallies
· off-piste skiing
· parasailing
· rock climbing
· rock scrambling
· scuba diving (between 30 and 40 metres in depth)
· show jumping
· skateboarding
· tobogganing
· wrestling (amateur)

The following are not included in the Category 4 definitions:
· hunting on horseback
· polo on horseback
· manual work which is not at ground level
· manual work involving the use of heavy machinery
· major events
· off-piste skiing in areas designated as unsafe by resort management.
· off-piste skiing when there is an avalanche warning in place
· scuba diving if you are not BSAC, PADI, DIWA, SSI or SAA member
· scuba diving within 24 hours prior to departure

Wintersports

The following are not included in the Wintersports definitions:
· freestyle skiing
· heli-skiing
· ice hockey
· off-piste skiing
· parapenting
· ski acrobatics and stunting
· ski bob racing
· ski-dooing
· ski flying
· ski jumping
· ski racing or training
· the use of skeletons or bobsleighs
· snow mobiling
· tobogganing