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Amateur Sporting and Hazardous Activities

Basic Conditions

1. You are accompanied by, or accessible to, an experienced and/or suitable qualified instructor orguide.

2. You are adequately supervised, taking part in an organised event, session or excursion.3. You must be a fare-paying passenger in a chartered craft.4. You are not taking part in a league or competition.5. You are using natural or purpose/built facilities approved for use for the activity by a local or

national regulatory authority.6. This does not constitute the main purpose of the trip.7. Protective clothing and headgear must always be worn.

For certain activities the conditions is that cover under some sections of the policy is excluded:

8. Cover under the Personal Accident section is excluded9. Cover under the Personal Liability section is excluded

The condition numbers are annotated to the activities to which they apply below:

Activity Acceptability Condition NumberAbseiling Covered 2, 5, 6American Football Not coveredArchery Covered 2Badminton CoveredBallooning - Hot Air Covered 2, 3Banana Boat Rides (Beachactivity)

Covered

Baseball CoveredBasket Ball CoveredBig Game Hunting Not coveredBlack water rafting Not coveredBlade Skating CoveredBMX Freestyle Riding Not coveredBobsleigh Not coveredBowls CoveredBoxing Not coveredBungee Jumping Not coveredCamel Riding CoveredCanoeing in calm waters CoveredCanoeing in white water Not coveredCanyoning Not CoveredCatamaran Sailing(European waters only)

Covered 1, 4, 9

Cave Diving Not CoveredCaving Not CoveredClay Pigeon Shooting Covered 1, 5Cliff jumping Not coveredClimbing Wall Covered 2, 7

Coasteering (cross betweencliff jumping & canyoning)

Not covered

Cricket Covered 4, 6Cross Country Skiing (onrecognised paths)

Covered if winter sportspremium is paid

Curling CoveredCycling excl. BMX/Mountain CoveredDeep Sea Fishing Covered 2Dry Skiing Covered if winter sports

premium is paidEndurance Tests Not covered

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Fell Running CoveredFell Walking CoveredFencing Covered 1, 6, 7, 8, 9Fishing CoveredFlying Covered 3Football 100% Loading 2, 7, 9Glacier walking Not coveredGliding Covered 1, 3, 8, 9Go Karting up to 120cc Covered 2, 6, 9Go Karting over 120cc 100% loading 2, 6, 7, 8, 9

Golf CoveredGorge Walking Not coveredGymnastics CoveredHang Gliding Not coveredHeli Skiing Covered if winter sports

premium is paid1, 3, 6,

Heptathlon CoveredHiking (on recognised routes) CoveredHigh Diving Not coveredHobie Catting (Europeanwaters only)

Covered 1, 4, 9

Hockey 50% loading 2, 4, 6, 7, 9Horse jumping Not CoveredHorse Riding Covered 4, 7Hot DoggingGrades 1, 2 & 3

Covered 1, 7

Hydro Speeding Not CoveredIce Diving Not CoveredIce Hockey Not coveredIce Skating 100% loading 4, 6Indoor Climbing Covered 1, 5, 7Inner Tubing Covered if winter sports

premium is paid4, 5

Jeep / Car Trekking Covered 2, 3, 9Jet Skiing Covered 6, 9Judo Not coveredKarate Not covered

Kite Boarding (on land) Not CoveredKite Surfing (water) Covered 4, 9Kayaking in calm waters Covered 1, 4, 9Kayaking in white water Not coveredLacrosse 50% loading 4, 9Luge Not CoveredManual Work Not coveredMarathon Running Not coveredMicro Lighting Not coveredMono Skiing (on Snow) Covered if winter sports

premium is paidMotor Sport (any type) Not coveredMountain Biking 100% loading 1, 5, 6, 7Mountaineering Not coveredNetball CoveredOff Piste Skiing Covered if winter sports

premium is paid1, 4

Orienteering CoveredParachuting Not coveredParagliding (over land) Not coveredParasailing Not CoveredParascending (over water) Covered 2Passenger Sledge (Horseand Carriage)

Covered

Pedaloes Covered

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Polo Covered 4, 8, 9Pony Trekking CoveredPot Holing Not coveredQuad Biking up to 125cc Covered 2, 4, 6, 7, 9Quad biking over 125cc Not CoveredRacket Ball CoveredRambling CoveredRifle range Covered 5, 9Rock Climbing Not coveredRock Scrambling Not covered

Roller skating / Blading CoveredRounders CoveredRowing Covered 4, 9Rubber Ring Rides (BeachActivity)

Covered

Rugby Not coveredRunning Covered 4Safari/Gorilla Trekking Covered 2Sail Boarding CoveredSailing (inc Flotilla) Europeanwaters only

Covered 4, 9

Scuba Diving to 30 metres Covered 1Scuba Diving (Over 30metres)

Not Covered

Shooting/ Hunting Not coveredSkateboarding CoveredSkateboarding Acrobatics Not coveredSki Acrobatics Not coveredSki Doos Not coveredSkiiing Covered if winter sports

premium is paidSki Jumping Not coveredSki racing Not coveredSledging Covered if winter sports

premium is paidSnorkelling to 10 metres CoveredSnow Boarding Covered if winter sports

premium is paidSnow Mobile Not CoveredSphereing/Zorbing inc aqua Covered 2Squash CoveredStreet Hockey Covered 9Stunt Events Not coveredSurfing CoveredTable Tennis CoveredTen Pin Bowling CoveredTennis CoveredTobogganing Covered if winter sports

premium is paidTree trekking Covered 2Trekking/ Hiking up to 3000

metres

Covered

Trekking/ Hiking over 3000metres

Not Covered

Via Ferrata Not CoveredVolley Ball CoveredWake Boarding CoveredWar games/ Paint Balling Covered 7, 9Water Polo CoveredWater Skiing CoveredWater Skiing Jumping Not coveredWeight Lifting Not covered

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White Water RaftingGrades 1,2 & 3

Covered 7, 8, 9

White Water RaftingGrades 4 & 5

Not Covered

Windsurfing CoveredWrestling Not coveredYachting (European Watersonly)

Covered 4, 9

Zorbing/Sphereing inc aqua Covered 2