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Hazardous Pursuits/Activities

Hazardous Pursuits – Grade 1 – No additional charge

You are covered under the Personal Accident, Personal Liability (unless otherwise specifically excluded under this section) and the Medical Expenses

Sections for the following activities automatically, provided that the activity is on an Incidental basis. You do not need to contact Your issuing agent.

Archery (amateur)

Paintballing

Badminton (amateur)

Parascending/Parasailing (over water)

Baseball (amateur)

Pony Trekking

Basketball (amateur)

Racquetball

Beach Games

Rambling

Bungee Jump (1)

River Canoeing up to Grade 3

Camel/Elephant Riding (incidental)

Roller Blading

Canoeing (up to Grade 3)

Roller Skating

Clay Pigeon Shooting

Rounders

Cricket (amateur)

Rowing

Cycling (other than specified)

Running – sprint/long distance (amateur)

Dinghy Sailing

Safari (UK organised)

Fell Walking

Sailing within Territorial Waters

Fencing

Sail Boarding

Fishing

*Scuba Diving (up to 30m if adequately supervised  with a qualified instructor – see notes below)

Football (amateur)

Skate Boarding

Golf (amateur)

Snorkelling

Hiking (under 2000m altitude)

Squash (amateur)

Hockey (amateur)

Surfing (amateur under 14 days)

Horse Riding (up to 7 days – no Polo, Hunting, Jumping)

Tennis (amateur)

Jet Boating

Tour Operator Safari

Jogging

Track Events

Manual Work (bar and restaurant, waitress, waiter, chalet, maids, au pair, nanny’s, occasional light Manual Work including retail work and fruit picking but excluding the use of power tools and machinery)

Trekking (under 2000m altitude)

Marathon Running (amateur)

Volleyball (amateur)

Motorcycling up to 50cc (wearing a crash helmet, no racing)

War Games

Netball (amateur)

Water Polo (amateur)

Non Manual Work (including professional, administrative or clerical duties only)

Water Skiing (amateur)

Orienteering

Windsurfing (amateur)

Outwardbound Pursuits

Yachting (racing/crewing inside territorial waters)

*Scuba diving to the following depths, provided You are diving under the direction of an accredited dive marshal, instructor or guide.  Alternatively, if qualified, within the guideline of the relevant diving or training agency or organisation and You are not diving alone:

PADI Open Water – 18 metres                                                     BSAC Ocean Diver – 20 metres                    BSAC Dive Leader – 30 metres
PADI Advanced Open Water – 30 metres                                       BSAC Sports Diver – 30 metres

We must agree with any equivalent qualification.  If You do not hold a qualification, We will only cover You to dive to a depth of 18 metres.
You will not be covered under this policy if You travel by air within 24hrs after participating in Scuba Diving.

Hazardous Pursuits – Grade 2 – 50% Loading to cover all activities
You can be covered under the Personal Accident and Medical Expenses Sections for the following activities, provided that the activity is on an Incidental basis (unless stated otherwise below) and subject to an additional premium being paid and shown on the validation certificate.

Medical Excess increased to £320                                                     Personal Accident sum insured reduced by 50%                  Personal Liability Cover is Excluded


Boxing Training (no contact)

Parascending/Parasailing (over water, non incidental)

Black Water Rafting (grade 1 to 4) Life jacket and helmet must be worn

Rambling/Trekking between 2001 and 4000m

Bungee Jump (up to 3 additional)

Safari (non UK organised)

Camel/Elephant Riding/Trekking (non incidental)

*Scuba Diving (non incidental/down to 50m – see notes below)

Cycle Touring

Sea Canoeing

Go Karting (specific use)

Sea Fishing (non incidental)

Horse Riding (no Polo, Hunting or Jumping)

Snorkelling (non incidental)

Hot Air Ballooning (non incidental)

Surfing (amateur)

Hurling (amateur)

Triathlon

Jet Skiing (non incidental)

Waterskiing( non incidental)

Martial Arts (training only)

White Water Rafting – Grades 1 to 4

Mountain Biking

Windsurfing (non incidental)

*Scuba diving to the following depths, provided You are diving under the direction of an accredited dive marshal, instructor or guide.  Alternatively, if qualified, within the guideline of the relevant diving or training agency or organisation and You are not diving alone:

PADI Open Water – 18 metres                                                     BSAC Ocean Diver – 20 metres                    BSAC Dive Leader – 50 metres
PADI Advanced Open Water – 30 metres                                       BSAC Sports Diver – 35 metres

We must agree with any equivalent qualification.  If You do not hold a qualification, We will only cover You to dive to a depth of 18 metres.
You will not be covered under this policy if You travel by air within 24hrs after participating in Scuba Diving.

Hazardous Pursuits – Grade 3 – 100% Loading to cover all activities
You can be covered under the Personal Accident and Medical Expenses Sections for the following activities, provided that the activity is on an Incidental basis (unless stated otherwise below) and subject to an additional premium being paid and shown on the validation certificate.

Medical Excess increased to £650                                                   Personal Accident sum insured reduced by 50%                    Personal Liability Cover is Excluded


Abseiling

Paragliding

American Football (amateur)

Quad Biking

Gliding

Rugby (amateur competition)

Kayaking

Sand Yachting

Motorcycling with a licence (over 50cc, with a motorcycle licence appropriate to the cc of the motorcycle, wearing a crash helmet-  no racing)

Tandem Skydive (up to 2 jumps maximum)

Yachting (racing/crewing) – outside territorial waters

Hazardous Pursuits – Grade 4 – 200% Loading to cover all activities
You can be covered under the Personal Accident and Medical Expenses Sections for the following activities, provided that the activity is on an Incidental basis (unless stated otherwise below) and subject to an additional premium being paid and shown on the validation certificate.

Medical Excess increased to £650                                                   Personal Accident sum insured reduced by 50%                      Personal Liability Cover is Excluded


Canyoning

Kite Surfing

Hand Gliding

Micro Lighting

High Diving under 5m (amateur, excluding cliff diving)

Parasailing/Parascending (over land)

Horse Jumping (no Polo, Hunting)

Rock Climbing (under 2000 metres)

 

Rock Scrambling (under 4000 metres)






 
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