Please Note: The information below provides a brief overview of an area of cover within our policies. All our policy benefits are subject to terms, conditions and exclusions. Please refer to the policy wording for full details which can be downloaded under 'Key Information' below.

Our policies all include over 100 sports and activities as standard, many more can be added for an additional premium.
Cover is available for the activities shown in the table below provided:

  • You follow the safety guidelines for the activity concerned and where applicable you use the appropriate and recommended safety equipment;
  • The activity is not part of a competition or tournament; and
  • The maximum period of 17 days is not exceeded; and
  • The activity is not on a professional basis.

If you are participating in an activity under Category C, your excess under section B1 (Medical and other expenses outside of the United Kingdom) will be increased to £250 and there will be no cover under section G (Personal accident) and section H (Personal liability) whilst taking part in the activity.

If you wish to take part in an activity not shown in the following tables, please contact the CoverForYou Sales and Support Team by e-mailing directsales@coverforyou.co.uk before taking part to make sure that cover is provided.

Sport or Activity Cover Required Special Conditions
Abseiling Category B Must be with professional organisers
Adventure racing Category C  
Aerobics Included  
Air boarding Included  
Alpine mountain biking Category C  
Amateur athletics Category B Cover provided if part of a non professional tournament or competition
American football Category C  
Angling Included  
Archery Included  
Assault courses Category B  
Badminton Included  
Bamboo rafting Category B  
Banana boating Included  
Base jumping Cover not available  
Baseball Included  
Basketball Included  
Battle re-enactment Category B Must be with professional organisers. Excludes the use of live ammunition
Beach games Included  
Biathlon Included  
Big game hunting Cover not available  
Bigfoot skiing WinterSports  
Black water rafting Category C  
BMX riding - stunt / obstacle Category C  
Boardsailing / windsurfing Included  
Bobsleigh Cover not available  
Body boarding / boogie boarding Included  
Body flying / wind tunnel flying Category B Must be adequately supervised
Bouldering Category C  
Bowling Included  
Bowls Included  
Boxing Cover not available  
Breathing observation bubble diving (to 30 metres) Included Must be adequately supervised and full safety equipment used
Bridge swinging Category C Must be adequately supervised and full safety equipment used
Bridge walking Included Must be adequately supervised and full safety equipment used
Bungee jumping Included Must be adequately supervised and full safety equipment used. Maximum of 3 jumps in any one trip
Camel riding Category B No Personal liability cover
Canoeing and kayaking - Grade 1 Rivers Included  
Canoeing and kayaking - Grade 2 Rivers Category A  
Canoeing and kayaking - Grade 3 Rivers Category B  
Canoeing and kayaking - Grade 4 or 5 Rivers Category C  
Canopy walking / tree-top walking on fixed structure walkways Included  
Canopy walking / tree-top walking using ropes Category B  
Canyoning Cover not available  
Cascading Category C  
Cat skiing / boarding WinterSports + Category B  
Catamaran sailing Included No Personal liability cover
Cave tubing / river tubing Category B  
Caving / pot holing Cover not available  
Charity work (including manual work) Cover not available  
Charity work (no manual work) Category A Excludes all manual work
Clay pigeon shooting Included No Personal liability cover
Cliff jumping Cover not available  
Climbing (indoor) Category B  
Climbing (up to 4,000 metres using guides and ropes) Category C  
Coasteering Cover not available  
Cookery courses Included  
Cricket Included Cover provided if part of a non professional tournament or competition
Croquet Included  
Cross country running Included  
Cross country skiing WinterSports  
Curling WinterSports  
Cycle touring Category B If taking part in any long distance events, please e-mail support@coverforyou.co.uk to check that cover can be provided
Cycling Included  
Dancing (as a professional or in an organised production) Cover not available  
Darts Included  
Deep sea fishing Category B  
Dinghy sailing Included No Personal liability cover
Diving (high diving) Category C  
Dog sledding Included  
Drag racing Cover not available  
Dragon boating Included No Personal liability cover
Dry slope skiing / boarding Category B  
Dune / wadi bashing Category B  
Education work (not qualified as a teacher) Category A No Personal liability cover
Elephant trekking Included Must be with official organisers. No Personal liability cover
Endurance tests Category C  
Environmental work Cover not available  
Equestrian events Category B  
Expeditions Cover not available  
Fell running Category B  
Fell walking Included  
Fencing Category B  
Fishing Included  
Fives Category B  
Flying as a non-fare-paying passenger in a private aircraft or helicopter Cover not available  
Flying as a pilot or trainee pilot in a private aircraft or helicopter Category C No Personal liability cover. Cover for one-off officially organised flying lessons. If you have any enquiries regarding what you intend to take part in, please e-mail support@coverforyou.co.uk to check that cover can be provided
Football - American Category C  
Football / soccer Category B Cover provided if part of a non professional tournament or competition
Free mountaineering Cover not available  
Freestyle skiing Cover not available  
Fruit picking Category A Cover provided no use of machinery
Gaelic football Category B  
Glacier skiing WinterSports + Category B  
Glacier walking up to 4,000 metres WinterSports  
Gliding Category C No Personal liability cover
Go-karting Category B No Personal liability cover
Golf Included Cover provided if part of a non professional tournament or competition
Gorge scrambling Category C Must be adequately supervised and full safety equipment used
Gorge swinging / canyon swinging Category C Must be adequately supervised and full safety equipment used
Gorge walking Category C Must be adequately supervised and full safety equipment used
Gorilla trekking Included Must be with official organisers
Gymnastics Category B  
Handball Included  
Hang gliding Category C  
Harness racing Category C  
Heli-skiing WinterSports + Category C Excluded on Backpacking Policies
High diving (in excess of 5 metres) Category C  
Hiking (4,000 to 5,000 metres) Category B  
Hiking (below 4,000 metres) Included  
Hockey Category B  
Horse grooms Category B Only occasional manual work (no power tools/machinery). Excludes competitions, racing, jumping and hunting. Only grooming, mucking out and exercising
Horse jumping Cover not available  
Horse racing Cover not available  
Horse riding (not polo, jumping or hunting) Category B  
Hot air ballooning Included Organised pleasure rides as fare paying passenger only
Hunting on horse back Cover not available  
Hurling Category B  
Husky sledge rides Included Organised and non-competitive with an experienced local driver. Insured can drive the dogs themselves if supervised by an experienced local driver
Hydro speeding Category B  
Ice climbing WinterSports + Category B Must be adequately supervised and full safety equipment used. Excluded on Backpacking Policies
Ice curling WinterSports  
Ice diving WinterSports Must be with official organisers
Ice hockey WinterSports + Category C Excluded on Backpacking Policies
Ice skating (non-rink) WinterSports + Category A  
Ice skating (rink) Category A  
Ice speedway Cover not available  
Inline skating Included  
Iron man (amateur) Category A 3 event version only (swimming, cycling and running)
Jet boating Included No Personal liability or Personal accident cover
Jet skiing Included No Personal liability cover
Jogging Included  
Jousting Cover not available  
Judo Category B  
Karate Category B  
Kayaking and canoeing - Grade 1 Rivers Included  
Kayaking and canoeing - Grade 2 Rivers Category A  
Kayaking and canoeing - Grade 3 Rivers Category B  
Kayaking and canoeing - Grade 4 or 5 Rivers Category C  
Kendo Category B  
Kite buggying Category B No Personal liability cover
Kite skiing WinterSports + Category B No Personal liability cover. Excluded on Backpacking Policies
Kite snowboarding WinterSports + Category B No Personal liability cover. Excluded on Backpacking Policies
Kite surfing (over land) Category B No Personal liability cover
Kite surfing (over water) Category B No Personal liability cover
Kloofing Category C  
Korfball Included  
Lacrosse Category B  
Langlauf WinterSports  
Lifeguards (non beach) Category A Cover only for swimming pools, leisure only. No beach cover
Luging/bobsleigh Cover not available  
Manual labour Cover not available  
Marathon running Category B  
Martial arts Category B  
Micro-lighting Category C  
Modern pentathlon Category B  
Mono skiing WinterSports  
Motocross Cover not available  
Motor cycle racing Cover not available  
Motor cycling B Limitations apply. Please see General exclusion number 10 for details. No Personal liability cover
Motor racing Cover not available  
Motor rallies Cover not available  
Mountain biking (competitive) Cover not available  
Mountain biking (recreational) Included Must be on recognised routes. No cover for downhill racing or competitions. No Personal liability cover
Mountain boarding Category B  
Mountaineering Cover not available  
Mud buggying Category B No Personal liability cover
Netball Included  
Off piste skiing WinterSports No cover in areas considered to be unsafe by local resort management
Off piste snowboarding WinterSports No cover in areas considered to be unsafe by local resort management
Orienteering Category B  
Ostrich riding Category C Must be with official organisers
Outdoor endurance events Cover not available  
Paintballing Included Must wear eye protection. No Personal liability cover
Parachute jumping (static line) Category C  
Parachute jumping (tandem) Category B  
Paragliding Category C  
Parapenting Category B Must be adequately supervised
Parasailing Included No Personal liability or Personal accident cover
Parascending (over land) Category B  
Parascending (over water) Included  
Pistol shooting Included No Personal liability cover
Polo Cover not available  
Pony trekking Included No Personal liability or Personal accident cover
Pool Included  
Pot holing Cover not available  
Powerboat racing Cover not available  
Powerlifting Cover not available  
Professional sports of any kind Cover not available  
Quad biking Cover not available  
Racketball Category A  
Rackets Category A  
Rafting Included  
Rambling Included  
Rap jumping Category C Must be with official organisers
Refereeing Included Must be on an amateur basis
Reverse bungee jumping Included Must be adequately supervised and full safety equipment used. Maximum of 3 jumps in any one trip
Rifle shooting Included No Personal liability cover
Ringos / doughnuts Included  
River bugging Category C  
Rock climbing Category C Must be organised and must take adequate safety precautions including ropes
Rock climbing - solo / freestyle / without ropes Cover not available  
Rock scrambling Category B Must be organised and must take adequate safety precautions
Rodeo Cover not available  
Roller blading / skating Included  
Roller hockey Category B  
Rounders Included  
Rowing Included  
Rugby League Category C  
Rugby Sevens Category C  
Rugby Union Category C  
Running (not long distance) Included  
Running with bulls Cover not available  
Safari (no guns) Included Must be organised by bona fide tour operator
Safari (with guns) Category B Must be organised by bona fide tour operator
Safari trekking in a vehicle Included Must be organised by bona fide tour operator
Safari trekking on foot Included Must be organised by bona fide tour operator
Sail boarding Included No Personal liability cover
Sailing / yachting (offshore) Cover not available  
Sailing / yachting (within a 12-mile limit of the coastline) Included No Personal liability cover
Sand boarding Category B  
Sand dune surfing / skiing Category B  
Scrambling Category B  
Scuba diving (30 - 50 metres depth if qualified and with an instructor) Category B  
Scuba diving (up to 30 metres depth if qualified or with an instructor) Included  
Sea canoeing Category B  
Sea kayaking Category B  
Shark diving (in a cage) Category B  
Shinty Category B  
Shooting Included No Personal liability cover
Skate boarding Included  
Skeletons Cover not available  
Ski acrobatics / aerials Cover not available  
Ski biking / snow biking WinterSports  
Ski blading / snow blading WinterSports  
Ski jumping Cover not available  
Ski mountaineering Cover not available  
Ski racing Cover not available  
Ski randonee WinterSports + Category B Excluded on Backpacking Policies
Ski stunting Cover not available  
Ski touring WinterSports + Category B Excluded on Backpacking Policies
Ski-dooing WinterSports + Category B No Personal liability cover. Excluded on Backpacking Policies
Skiing WinterSports  
Skiing - off piste WinterSports  
Sky diving Category C Must be adequately supervised
Sky jump from Auckland Sky Tower (in New Zealand) Category B Must be adequately supervised. No Personal liability or Personal accident cover
Sledging / sleighing WinterSports  
Small bore target shooting Included No Personal liability cover
Snooker Included  
Snorkelling Included  
Snow Mobiling WinterSports + Category B No Personal liability cover. Excluded on Backpacking Policies
Snowboarding WinterSports  
Snowboarding - off piste WinterSports  
Soccer Category B  
Softball Included  
Solo climbing Cover not available  
Speed skating WinterSports + Category B Excluded on Backpacking Policies
Speed trials / time trials Cover not available  
Speedway Cover not available  
Squash / rackets Category A  
Steeplechasing Cover not available  
Storm chasing / tornado chasing Cover not available  
Street dancing Included  
Street hockey Category B Must wear pads and helmets
Summer tobogganing Category B  
Surfing Included Cover provided if part of a non professional competition. No Personal liability cover
Swimming Included  
Swimming with dolphins Included Must be with official organisers
Swimming with stringrays Included Must be with official organisers
Sydney Harbour bridge walk Included Must be adequately supervised and full safety equipment used
Table tennis Included  
Tae kwon do Category B  
Tall-ship crewing Category B  
Teacher (not qualified) Category A No Personal liability cover
Tennis Included  
Tenpin bowling Included  
Tobogganing WinterSports  
Touch football Category B Cover provided if part of a non professional tournament or competition
Touch rugby Category B Cover provided if part of a non professional tournament or competition
Track days Cover not available  
Trampolining Included  
Trekking (4,000 to 5,000 metres) Category B  
Trekking / walking / hiking up to 4,000 metres) Included  
Triathlon Category B Cover provided if part of a non professional tournament or competition
Tug-of-war Included  
Ultimate frisbee Included  
Vegetable picking Category A Cover provided no use of machinery
Via ferrata Category C  
Volleyball Included  
Wake boarding Included No Personal liability cover
War games Included Must wear eye protection. No Personal liability cover
Water polo Included  
Water ski jumping Category C No competitions. No Personal liability cover
Water skiing Included No competitions. No Personal liability cover
Weightlifting Cover not available  
White water canoeing / rafting (Grade 4 or 5) Category C  
White water canoeing / rafting (up to Grade 3) Category B  
Windsurfing Included Cover provided if part of a non professional competition. No Personal liability cover
Wrestling Cover not available  
Yoga Included  
Zip lining Included Must be adequately supervised and full safety equipment used
Zorbing Category B  

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