Accepted and Excluded Activities
Allen
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Our policies will only cover you when participating on a non-professional, non-competitive basis.
If you are considering participating in any activities during your trip, we kindly suggest checking if we provide coverage for your chosen activity. You can do so by using the search box below.
If your activity isn't listed, Please use our webchat option or speak with our friendly customer services team.
Activities indicated with a single asterisk (*) will not be covered under the Personal Accident and Personal Liability sections of our policies.
Please note: If you are using a mobile device, you may need to scroll horizontally after searching for your activity to determine whether you have coverage or not.
| Aerobics | Covered |
| American football | Not covered |
| Animal conservation/game reserve work | Not covered |
| Archery* | Covered |
| Badminton | Covered |
| Banana boat rides | Covered |
| Base jumping | Not covered |
| Baseball | Covered |
| Basketball | Covered |
| Beach cricket | Covered |
| Big game hunting | Not covered |
| BMX | Covered - Only if wearing a helmet |
| BMX stunt riding | Not covered |
| Boogie Boarding | Covered |
| Bouldering | Not covered |
| Bowls | Covered - Including competitions |
| Boxing | Not covered |
| Boxing Training* | Covered |
| Bungee jumping | Not covered |
| Cable cars | Covered - Not for use on Hiking or Trekking |
| Camel/elephant riding/trekking* | Covered |
| Canoeing/kayaking | Not covered - If white water |
| Canoeing/kayaking* | Covered - Only if wearing a life-jacket and helmet and only on inland and coastal waters – not white water |
| Canyoning | Not covered |
| Catamaran sailing | Covered |
| Caving/potholing | Not covered |
| Cheerleading | Covered - As long as this is a leisure-orientated activity and not partaking in the activity due to a gap year etc. The insured is fit to partake in the activity. The activity is held in a safe environment. |
| Clay shooting* | Covered |
| Coasteering | Not covered |
| Cricket | Covered |
| Croquet | Covered |
| Cross-channel swimming | Not covered |
| Curling | Covered |
| Cycle racing and time-trialling | Not covered |
| Cycling | Covered - Only if wearing a helmet, not mountain biking |
| Dinghy sailing* | Covered - Only if wearing a life-jacket and only inside territorial waters |
| Dog sledging* | Covered - When driven by an experienced driver provided by the organiser only |
| Dune Bashing | Not covered |
| Dune Buggy | Not covered |
| E-Scooters | Covered - Provided the customer is wearing a helmet and this takes place as part of an organised tour |
| Falconry* | Covered |
| Fell walking | Covered - No climbing |
| Fencing* | Covered |
| Field hockey* | Covered |
| Fishing* | Covered |
| Football* | Covered |
| Free/high diving | Not covered |
| Gaelic Football* | Covered |
| Glacier Walking | Covered - Must be with a guide |
| Gliding | Not covered |
| Go-Karting* | Covered - Only if wearing a helmet |
| Golf | Covered |
| Grand Canyon | Covered - This will be covered subject to the following; Sightseeing tour only Must be a fare-paying passenger of a licensed aircraft The pilot must be familiar with the territory There is no PA or PL cover The insured must adhere to the organising company’s rules and regulation |
| Gymnastics | Not covered |
| Hang gliding | Not covered |
| Helicopter rides | Covered - *Can be covered as long as they are a fare-paying passenger in a licensed passenger-carrying aircraft, but there would be no cover under the personal accident section of the policy. |
| Hiking | Covered - Under 2,500 metres altitude |
| Hiking | Not covered - If above 2,500 metres altitude |
| Hiking up a Volcano | Not covered |
| Horse jumping/ hunting | Not covered |
| Horse riding* | Covered - Only if wearing a riding hat and no cover for polo, hunting, or jumping |
| Hot air ballooning* | Covered - As a fare-paying passenger in a licensed aircraft |
| Ice Camping | Not covered |
| Ice skating | Covered |
| Indoor Winter Sports | Covered - *Requires need Winter Sports cover to do indoor winter sports activities, whether this is taking place in the UK or abroad. If this activity is taking place in the UK then the Home Country cover rules will also apply. |
| Jet skiing* | Covered |
| Jogging | Covered |
| Judo/karate/martial arts | Not covered |
| Kite surfing | Not covered |
| Lacrosse | Not covered |
| Micro-lighting | Not covered |
| Motor Cross | Not covered |
| Motor Cruiser | Covered - *If the customer is just a passenger on the motor cruise and will not in any way engage in the manning or driving the cruiser then we can offer them a policy. |
| Motorcycling on-road/as a mode of transport as a passenger or a rider | Not covered - If the motorcycle or electric motorcycle is over 125cc/11kw |
| Motorcycling on-road/as a mode of transport as a passenger or rider | Covered - Must be wearing a helmet and only if the motorcycle or electric motorcycle is under 125cc/11kw. The rider must hold a valid motorcycle license |
| Mountain biking* | Covered - Only if wearing a helmet |
| Mountaineering | Not covered |
| Netball | Covered |
| Off-road motorcycling | Not covered |
| Organised competitive team sports | Not covered |
| Orienteering | Covered - No climbing |
| Paddleboarding* | Covered - Subject to the following: Must wear a life jacket at all times Must be experienced Must adhere to the organizer's rules Must keep within the designated paddle area on the lakes Must keep clear of any rock areas This must not be for a competition or where money is involved. |
| Parachuting | Not covered |
| Paragliding | Not covered |
| Parascending* | Covered - Over water |
| Parascending/Parasailing | Not covered - If over land |
| Pickleball | Covered |
| Pilates | Covered |
| Polo | Not covered |
| Professional sport | Not covered |
| Quad biking | Not covered |
| Rambling | Covered - Under 2,500 metres altitude only |
| Rambling | Not covered - If over under 2,500 metres altitude |
| Ringos | Covered |
| Rock climbing | Not covered |
| Roller hockey/street hockey* | Covered - Only if wearing pads and a helmet |
| Rollerblading/line skating | Covered |
| Rounders | Covered |
| Rowing | Covered |
| Rugby | Not covered |
| Running | Covered - But Not long distance running. What is Long distance? 21Km but to be insured the traveler must be fit to run and have ran a similar distance before |
| Safari* | Covered - If organised in the UK and By a UK-Based company before departure. |
| Sailing | Covered - Inside Terrortial water Only |
| Sailing | Not covered - If outside territorial waters |
| Sand Boarding | Not covered |
| Scuba diving | Covered - Conditions apply. Please see scuba diving conditions in the Policy Wording document for details. |
| Scuba diving | Not covered - If below 30 metres |
| Segwaying* | Covered |
| Shark feeding/cage diving | Not covered |
| Skateboarding | Covered |
| Skydiving | Not covered |
| Sleigh pulled by reindeer | Covered - When driven by an experienced driver provided by the organiser only |
| Snorkelling | Covered |
| Softball | Covered |
| Squash | Covered |
| Surfing | Covered |
| Swimming | Covered |
| Swimming with dolphins | Covered - As part of a supervised activity |
| Table-tennis | Covered |
| Ten pin bowling | Covered |
| Tennis | Covered |
| Tombstoning | Not covered |
| Track days using motorised vehicles | Not covered - Except go-karting |
| Tree top walking* | Covered - As part of a supervised activity |
| Trekking | Covered - Under 2,500 metres altitude only |
| Trekking | Not covered - If above 2,500 metres altitude |
| Volleyball | Covered |
| Wakeboarding* | Covered |
| Walking | Covered |
| Water Parks | Covered |
| Water polo | Covered |
| Water ski jumping | Not covered |
| Water skiing* | Covered |
| Weightlifting | Not covered |
| White/black water rafting | Not covered - If grade 5 to 6 |
| White/black water rafting Grades 1 to 4* | Covered - only if wearing a life-jacket and helmet |
| Windsurfing | Covered |
| Wing Foiling | Not covered |
| Wrestling | Not covered |
| Yachting (crewing) – outside territorial waters | Not covered |
| Yachting/crewing* | Covered - only if wearing a life-jacket and only inside territorial waters |
| Yoga | Covered |
| Zip Lining/Wiring | Not covered |
| Zorbing/hydro zorbing* | Covered |
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