Cover for Sports and Activities
All of our policies include cover for a number of sports and activities (sometimes called Hazardous Activities).
This can sometimes be confusing to understand what you are or aren't covered for.
Below are lists of activities that can or cannot be covered by this policy. Please telephone the Switched On Customer Helpline if you are unsure as to whether your intended activity is covered by your policy.
For all sports and activities, participation in competition is excluded unless agreed by us.
The following activities are covered under our policies.
- Aerobics
- Athletics (amateur)
- Badminton
- Banana Boating
- Bar Work
- Baseball
- Basketball
- Board Sailing (Windsurfing)
- Body Boarding
- Boogie Boarding
- Bridge Walking e.g. Sydney Harbour Bridge
- Canoeing/Kayaking - up to Grade 2 rivers only
- Canopy Walking
- Cricket
- Curling
- Cycling (not main purpose of trip - recreational only, no racing or competitions)
- Fell Running/Walking
- Fishing
- Football/Soccer (non competitive)
- Golf
- Gymnastics (no competitions)
- Hiking/Trekking/Walking under 2,500m
- Ice Skating
- Non-Manual Work
- Marathon Running
- Mountain Biking (recreational including general cross country and off road cycling)
- Paddle Boarding
- Rambling
- Restaurant Work
- River Tubing (up to grade 2 rivers and not through caves)
- Roller Skating/Blading (wearing pads and helmets)
- Safari (professionally organised and without guns)
- Sailing (inland waters or coastal waters within 12 miles of land)
- SCUBA Diving (down to 30m accompanied by a qualified diver or instructor)
- Sleigh Rides pulled by a horse or reindeer, as a passenger with a professional driver
- Snorkelling
- Softball
- Squash
- Surfing
- Swimming
- Swimming with dolphins
- Tennis
- Trampolining
- Volleyball
- Water Skiing (no jumping)
- Water Polo
- Windsurfing
- Zip Lining/Wiring
The following activities are covered under this policy. However, no cover is provided under the Personal Accident or Personal Liability sections.
- Archery
- Canoeing / Kayaking (up to grade 3 rivers only)
- Fencing
- Flotilla Sailing (with professional leader)
- Go Karting
- Hot Air Ballooning (organised pleasure rides only)
- Indoor Climbing (sport climbing with belays)
- Jet Boating (as a passenger only and no racing)
- Motorcycling as a rider or passenger on a machine 125cc or under (You must wear a crash
- helmet and, as a rider, have held a motorcycle licence for at least 3 years and are conviction
- free)
- Paint Balling (eye protection must be worn)
- Parascending over water
- Rowing (no racing)
- Segway Riding (organised tours only and a safety helmet must be worn)
- Zorbing
The following activities may be covered upon payment of an additional premium for the Sports and Activities cover.
- Abseiling (within organiser’s guidelines)
- Black Water Rafting
- Land Skiing (not on snow)
- Octopush
- Rap Jumping/Running (within organiser’s guidelines)
- Safari Trekking on foot (must be organised tour booked in the United Kingdom)
- Sea Kayaking
- White Water Rafting (up to grade 3 within organiser’s guidelines)
The following activities are NOT covered under this policy.
- Base Jumping
- Big Game Hunting
- BMX Stunt Riding
- Bouldering
- Boxing
- Canyoning
- Caving / Pot Holing
- Coasterring
- Cycle Racing
- Flying except as a fare paying passenger in a licenced passenger carrying aircraft
- Free / High Diving
- Gliding
- Hang Gliding
- Judo / Karate / Martial Arts
- Kite Surfing
- Lacrosse
- Manual Work
- Micro Lighting
- Motorcycling as a rider or passenger on a machine over 125cc
- Mountaineering
- Parachuting
- Paragliding
- Parascending over land
- Polo
- Professional / Semi Professional Sports
- Quad Biking
- Rock Climbing
- Sailing outside territorial waters
- Scuba Diving below 30m
- Shark Cage Diving
- Shark Diving
- Tombstoning
- Track Days using motorised vehicles
- Water Ski Jumping
- Weightlifting
- White Water Rafting (grade 4 and above)
- Wrestling
If an activity is NOT listed above it is NOT covered unless You contact Us and We agree, in writing, to cover the activity.
Please telephone Our Customer Helpline on 0330 041 2880 if You are unsure as to whether Your intended activity is covered by Your Policy.