The following activities are covered under our policies as standard without charge.

There is no cover under Section 5b - Personal liability for those sports or activities marked with an ^*

• Abseiling (within organisers guidelines)
• Administrative, clerical or professional occupations^*
• Aerobics
• Amateur Athletics (track and field)
• Amusement Parks (within organisers guidelines)
• Archaeological digging (use of hand tools only)
• Archery
• Badminton
• Banana boating/donuts/inflatables behind power boat^*
• Baseball (amateur)
• Basketball (amateur)
• Beach games
• Bicycle riding/Cycling wearing a helmet where required (excluding any participation in extreme events, racing or competitions) height restricted to maximum of 2,500 metres above sea level
• Billiards/snooker/pool
• BMX riding (wearing a helmet and no racing, stunts or obstacles) up to 2,500 metres above sea level
• Body boarding (boogie boarding)
• Bowls
• Breathing observation bubble (BOB)
• Bungee jumping/swoop within organisers guidelines and wearing appropriate gear
• Camel riding^*
• Camp America  - counsellor^*
• Canoeing (up to grade 2 rivers)
• Capoeira  - no contact - dance movement only
• Caring for children^* (au pair/nanny)
• Catamaran sailing^* (if qualified and no racing)
• Clay pigeon shooting^*
• Climbing (indoors on climbing wall only)
• Cricket (amateur)
• Croquet
• Cross country running
• Curling (amateur)
• Dancing (including instruction)
• Deep sea fishing
• Dinghy sailing (no racing)^*
• Driving motorised vehicles^* (excluding Quad bikes and Buggies) for which you are licensed to drive in the UK (other than in races, motor rallies or competitions) and wearing a helmet if driving a motorbike, moped, scooter, Segway or assisted bicycle and wearing a seatbelt when travelling in a motorised vehicle where a seatbelt is available for use
• Falconry^*
• Fell walking/running (up to 2,500 metres above sea level)
• Fencing (training only)
• Fishing
• Fives
• Flying as a fare paying passenger in a fully licensed passenger
• carrying aircraft
• Flying fox (cable car)
• Football (amateur only, no coaching and not main purpose of trip)
• Freefall/sky diving simulator (within organisers guidelines)
• Frisbee/ultimate frisbee
• Glass bottom boats/bubbles^*
• Go karting^* (amateur only and within organisers guidelines)
• Golf
• Great Wall of China
• Handball (amateur)
• Helicopter rides (as a fare paying passenger in a fully licensed passenger carrying aircraft)
• Hobie catting^* (if qualified and no racing)
• Horse riding^* (wearing a helmet and excluding competitions, racing, jumping and hunting)
• Hot air ballooning (organised pleasure rides only)
• Hovercraft driving/passenger^*
• Hurling (amateur only and not main purpose of trip)
• Husky/horse/reindeer sledging or sleigh riding (as an activity as a passenger only with a local driver and not on snow)
• Hydro zorbing
• Indoor climbing (on climbing wall)
• Indoor skating/skateboarding (wearing pads and helmets)
• Inline skating/roller blading (wearing pads and helmets)
• Javelin throwing (amateur)
• Jet boating^* (excluding racing and/or competitions)
• Jogging
• Karting^* (wearing a helmet and no racing)
• Kayaking (up to grade 2 rivers)
• Kayaking  - sea (within sight of land)
• Korfball (amateur)
• Netball (amateur)
• Octopush
• Orienteering
• Paint balling/war games^* (wearing eye protection)
• Parasailing/parascending  - over water^*
• Pedalos
• Pilates
• Pony trekking (wearing a helmet)^*
• Power boating^*
• Racket ball
• Rambling
• Refereeing (amateur only)
• Ringos (not on snow)^*
• Roller skating/blading/in-line skating (wearing pads and helmets)
• Rounders (amateur)
• Rowing (no racing)
• Running (non-competitive, not part of a triathlon and not a marathon of any type)
• Safari trekking/tracking in the bush (must be organised tour)
• Sail boarding/wind surfing
• Sailing/yachting^* (if qualified or accompanied by a qualified person and no racing)
• Sand boarding/sand dunes/dune sliding/sand surfing/sand skiing
• Scuba diving up to depth of 18 metres (if qualified or accompanied by qualified instructor and not diving alone, not involved in cave diving and not involved in air travel until more than 24 hours have elapsed after your last dive)
• Sea canoeing/kayaking (within sight of land)
• Segway riding^* (organised tours only, wearing correct safety equipment including a helmet)
• Shooting/small bore target/rifle range shooting (within organisers guidelines)^*
• Skateboarding (wearing pads and helmets)
• Sledging/sleigh riding as a passenger (pulled by a horse or reindeer) with a maximum of 2 nights for Lapland trips
• Snorkelling
• Softball (amateur)
• Spear fishing (without tanks)
• Speed sailing^* (no racing)
• Squash
• Students working as counsellors or university exchanges for practical course work^* (non-manual)
• Surfing (including on-board surf simulators)
• Swimming (excluding competitions or racing)
• Swimming with dolphins
• Swimming/bathing with elephants
• Sydney harbour bridge (organised and walking across clipped onto a safety line)
• Table tennis
• Tall ship crewing^* (no organised events or competitions)
• Ten pin bowling
• Tennis
• Trampolining
• Tree canopy walking
• Trekking/hiking/walking/hill walking up to 2,500 metres above sea level
• Tug of war
• Volleyball
• Wake boarding^*
• Water polo (amateur)
• Water skiing/water ski jumping^*
• Whale watching
• White water canoeing/kayaking/touring/ rafting up to grade 2 rivers
• Wind surfing/sailboarding
• Wind tunnel flying (pads and helmets to be worn)
• Yoga
• Zap cats^* (if qualified or accompanied by a qualified person and no racing)
• Zip Lining/trekking (safety harness must be worn)
• Zorbing/hydro zorbing/sphering

The following activities can be covered if an additional premium has been paid and is shown as purchased in your policy schedule.

There is no cover under Section 5b - Personal liability for those sports or activities marked with an ^*

• Assault course (amateur only and not main purpose of the trip)
• Bamboo rafting (up to grade 3 rivers)
• Bar/restaurant work^*
• Beauty therapist^*
• Blokarting/land sailing/sand sailing^*
• Body building^*
• Bungee slingshot (within organisers guidelines and wearing the appropriate gear)
• Bungee trampolining (within organisers guidelines and wearing the appropriate gear)
• Canoeing (grade 4 and above rivers)
• Canoeing (up to grade 3 rivers)
• Dune/wadi buggying/bashing^*
• Elephant polo
• Field hockey
• Fruit or vegetable picking
• Grass skiing
• Gymnastics
• High diving (amateur only and not main purpose of the trip)
• Hiking between 2,501 and 3,500 metres above sea level
• Judo^* (amateur only and not main purpose of the trip)
• Karate^* (amateur only and not main purpose of the trip)
• Kayaking (grade 4 and above rivers)
• Kayaking (up to grade 3 rivers)
• Lacrosse (amateur only and not main purpose of the trip)
• Marathon running (amateur only and not main purpose of the trip)
• Minjin swinging
• Mixed gas diving (nitrox/trimax and not commercial) to 30 metres (if qualified or accompanied by qualified instructor and not diving alone, not involved in cave diving and not involved in air travel until more than 24 hours have elapsed after your last dive)
• Mixed gas diving (nitrox/trimax and not commercial) to 40 metres (if qualified or accompanied by qualified instructor and not diving alone, not involved in cave diving and not involved in air travel until more than 24 hours have elapsed after your last dive)
• Mud buggying^*
• Occasional light manual work^*(but not including the use of tools and machinery)
• Pot holing
• Retail trade including manual work^* (but not including the use of power tools and machinery)
• River tubing
• Roller hockey (amateur only and not main purpose of the trip)
• Rugby (amateur only and not main purpose of the trip)
• Scuba diving to 30 metres (if qualified or accompanied by qualified instructor and not diving alone, not involved in cave diving and not involved in air travel until more than 24 hours have elapsed after your last dive)
• Scuba diving to 40 metres (if qualified or accompanied by qualified instructor and not diving alone, not involved in cave diving and not involved in air travel until more than 24 hours have elapsed after your last dive)
• Sky jumping (from Sky Tower in Auckland, New Zealand only)
• Street hockey (wearing pads and helmets)
• Street luge\wicker basket tobogganing (as a passenger only)
• Superintendance of manual work^*
• Tai chi
• Trekking/hiking/walking/hill walking up to 2,501 to 3,500 metres above sea level
• Tubing
• Via ferrata
• White water canoeing/kayaking/touring up to grade 4 rivers
• White water rafting (up to grade 4 rivers within organisers guidelines)