You may plan to try out some new sports or activities, or participate in something you already enjoy. You may also get the chance to do something you never even dreamed of doing when you bought this insurance. We have designed our sports and activities cover to be as flexible and broad as we can while keeping prices sensible (and fair to those without your sense of adventure!).
If an activity is not listed, then this insurance WILL NOT COVER that activity.
Please note the following important conditions:-
We have categorised the activities by risk and indicated the Medical Excess that would apply in each case.
We have used Asterisks to indicate for all categories below where for a specific activity, a particular cover is not offered under this policy. These are as follows:-
| * | = | Excludes Personal Accident Cover | |
| ** | = | Excludes Personal Liability Cover | |
| *** | = | Excludes both Personal Accident Cover and Personal Liability Cover |
Our standard Medical Excess of €100 per event/claim and standard Medical Benefit of €5,000,000 per trip applies to all of these activities.
Abseiling*, Aquathlon, Archery**, Arm Wrestling, Badminton, Bankshot Basketball, Basketball, Beach Basketball, Biathle, Body Boarding, Bocce, Boomerang**, Bowls, Canoeing (inland excluding white water), Carriage or Hay or sleigh rides, Clay pigeon Shooting***, Cricket**, Croquet, Curling, Cycling (not competitive or mountain), Deep Sea Fishing (not commercial or competition), Dinghy Sailing, Dragon Boating, Dressage, Dry Skiing, Duathlon, Elephant Riding (less than 2 days), Farm Holiday, Farm Work not involving machinery, Hot Air Ballooning, Fell running, Fell walking, Fell Walking, Fishing, Flying discs, Football (association)**, Footbag (hacky sack), Go karting**, Golf**, Gliding (with an Instructor, or qualified)***, Hammer**, Handball, Heptathlon, Hiking (under 1,000 meters no guides or ropes), Horse riding* (helmet must be worn), In Line Skating, Javelin**, Jetskiing**, Kayak Polo, Kayaking (inland excluding white water), Korfball, Lacrosse, Land sailing, Lapland Trip, Laser Games, Long Jump, Marathon Running, Maxi-Basketball, Mini-basketball, Motor Rallies (excluding racing)***, Mountain Biking (on road), Netball, Orienteering, Paddleball, Paintballing**, Parascending (over water) Pony Trekking, Race walking, Racquetball, Rafting (Not White water), Rambling, Roller skating, Rollerblading, Rounders, Rowing, Running, Safaris/ Gorilla tours (organised only), Sail boarding, Sailing (inland/coastal only), Shot Put, Snorkelling, Soccer, Softball, Squash, Streetball, Swimming, Table tennis, Team handball, Tennis, Trekking on foot (not in remote or mountainous areas), Triathlon, Triple jump, Tug of war, Twirling, Underwater Hockey, Volleyball, Water Polo, Water Skiing**, Wheelchair racing, Windsurfing, Yachting inside territorial waters.
An increased Medical Excess of €250 per event/claim and a reduced Medical Benefit of €1,000,000 applies to these activities.
Aikido, Bandy, Baseball, BMX Riding, Broomball, Bungee Jumps (maximum 2 jumps), Canoeing (whitewater), Capoeira, Chung Moo Dee, Elephant Trekking (more than 2 days), Fencing, Field Hockey**, Flying as a passenger in an unlicensed Aircraft*, Grappling, Gymnastics, Handgliding***, Hapikido, High Diving Less than 10meters, High jump, Highland games, Hockey (Field), Horsepulls, Hwa Rang Do, Iaido, Jai Alai, Jeet Kune Do, Jiu Jitsu, Judo, Kabadi, Karate, Kempo, Kendo, Kenpo, Kickboxing Kuk sool won, Kung Fu, Kyudo, Microlighting***, Mountain Biking (off road), Muay Thai, Ninpo, Parascending over land, Pole Vault, Pentathlon**, Polo, Street, Polo Crosse, Quad biking**, Rifle Range**, Roller Derby, Sailing Outside territorial waters, Scuba Diving to 30 meters (PADI Qualified or under supervision), Sea Kayaking, Silat, Skateboarding, Sumo, Surfing, Tae Kwon Do, Tae Soo Do, Tai Chi, Taido, Tang Soo Do and Soo Bahk Do, Tchoukball, Trail Riding (helmet must be worn), Trail Running, Trekking on foot in remote or mountainous areas, Tukong Moosul, Unicycling, War Games, Weightlifting, White water rafting* or kayaking*, Wing Chun, Wrestling, Yachting outside territorial waters.
An increased Medical Excess of €500 per event/claim and a reduced Medical Benefit of €1,000,000 applies to these activities.
N.B. There is no cover under the Policy for Coaches of Extreme Activities other than Rugby Union/League.
3 day eventing*, All-terrain boarding, American Football**, Australian Football**, Artic Winter games, ATV Racing, Barrel racing, Biathlon, Bobsledding, Bobsleigh, Boxing**, campdrafting*, Canopying (organised groups only), Climbing to 4,500M, Cross Country skiing, Dog sledding, Endurance Horse riding, Figure Skating, Football (American), Football (Australian), Football (Gaelic), Freestyle skiing, Gaelic Football, Glacier Skiing, Glacier Skiing, Gymkhana, Heli Skiing, Hurling, Ice Hockey, Ice Skating, Kitesailing, Kitesurfing, Land Luge*, Luge*, Monoskiing, Mountainboarding, Mounted Orienteering, Nordic Skiing, Parachuting (solo or tandem but not base jumping)*, Paragliding (over land)*, Parapenting (over land)*, Power Kiting, Rock Climbing (organised tours only), Rugby Union/League, Sandboarding, Scuba Diving to 40 meters (PADI Qualified or under supervision), Shinty, Show Jumping, Skeleton*, Ski Acrobatics*, Ski Stunting*, Ski training/racing*, Ski Bob**, Ski Doos (supervised), Skiing, Skydiving*, Sledding, Snow Biking***, Snowboarding, Snowmobiles (supervised), Snowshoeing, Snowsurfing, Soaring, Speed Skating*, Tobogganing, Vaulting, Wakeboarding, Watercross, Winter triathlon, Zorbing*.
If an activity is not listed - then no cover is available under this policy. We regret that we will be unable to offer cover for any activities not listed.