Sports and Activities

Included as standard or available for additional premium under our single trip and annual multi-trip policies

Please Note: The information below explains which sports & activities are covered under our single trip and annual multi-trip policies. All our policy benefits are subject to terms, conditions and exclusions. Please refer to the policy wording for full details.

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 activity is not on a professional basis.

There is no cover for Personal Liability for sports or activities marked with *

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 Inclusive Within organisers guidelines
Administrative, clerical or professional occupations* Inclusive
Aerobics Inclusive
Amateur athletics (track and field) Inclusive
Archaeological digging (use of hand tools only) Inclusive
Archery Inclusive
Assault course Pack 1 Amateur only and not main purpose of the trip
Badminton Inclusive
Bamboo rafting Pack 2
Banana boating/donuts/inflatables behind power boat Inclusive
Bar/restaurant work* Pack 1
Baseball (amateur) Inclusive
Basketball (amateur) Inclusive
Beach games Inclusive
Beauty therapist* Pack 1
Bicycle riding/Cycling wearing a helmet where required Inclusive Excluding any participation in extreme events, racing or competitions. Height restricted to maximum of 2,500 metres above sea level
Billiards/snooker/pool Inclusive
Blokarting* Pack 1
BMX riding Inclusive Wearing a helmet and, no racing stunts or obstacles. Up to 2,500 metres above sea level
Body boarding (boogie boarding) Inclusive
Body building* Pack 1
Bowls Inclusive
Breathing observation bubble (BOB) Inclusive
Bungee jumping/swoop within organisers guidelines and wearing appropriate gear Inclusive
Bungee slingshot Pack 3 Within organisers guidelines and wearing the appropriate gear
Bungee trampolining Pack 3 Within organisers guidelines and wearing the appropriate gear
Camel riding* Inclusive
Camp America - counsellor* Inclusive
Canoeing (grade 4 and above rivers) Pack 3
Canoeing (up to grade 2 rivers) Inclusive
Canoeing (up to grade 3 rivers) Pack 2
Capoeira Inclusive No contact. Dance movement only
Caring for children (au pair/nanny)* Inclusive
Catamaran sailing* Inclusive If qualified and no racing
Caving/pot holing Pack 3
Clay pigeon shooting Inclusive
Climbing Inclusive Indoors on climbing wall only
Cricket (amateur) Inclusive
Croquet Inclusive
Cross country running Inclusive
Cross country skiing/Nordic skiing Winter Sports
Curling (amateur) Inclusive
Cycling (see Bicycle riding) Inclusive
Cycling tours (see Bicycle riding) Inclusive
Dancing (including instruction) Inclusive
Deep sea fishing Inclusive
Dinghy sailing Inclusive no racing
Driving motorised vehicles (excluding Quad bikes)* Inclusive You must be licensed to drive in the UK (other than in races, motor rallies, off road 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
Dry slope skiing/boarding Winter Sports
Dune sliding Pack 1
Dune/wadi buggying/bashing Pack 1
Elephant polo Pack 2
Extreme frisbees (amusement park rides) Inclusive
Falconry Inclusive
Fell walking/running (up to 2,500 metres above sea level) Inclusive
Fencing (training only) Inclusive
Field hockey Pack 1
Fishing Inclusive
Fives Inclusive
Flying as a fare paying passenger in a fully licensed passenger carrying aircraft Inclusive
Flying fox (cable car) Inclusive
Football Inclusive Amateur only, no coaching and not main purpose of trip
Freefall/sky diving simulator Inclusive
Frisbee/ultimate frisbee Inclusive
Fruit or vegetable picking Pack 1
Glass bottom boats/bubbles* Inclusive
Go karting Inclusive Amateur only and within organisers guidelines
Golf Inclusive
Grass skiing Pack 2
Great Wall of China Inclusive
Gymnastics Pack 1
Handball (amateur) Inclusive
Helicopter rides Inclusive As a fare paying passenger in licensed aircraft
High diving Pack 1 Amateur only and not main purpose of the trip
High ropes/Go ape Pack 1 Amateur only and not main purpose of the trip
Hobie catting* Inclusive If qualified and no racing
Horse riding Inclusive Wearing a helmet and excluding competitions, racing, jumping and hunting)
Hot air ballooning Inclusive Organised pleasure rides only
Hovercraft driving/passenger Inclusive
Hurling Inclusive Amateur only and not main purpose of trip
Husky dog sledding Winter Sports Organised non-competitive and with experienced local driver
Husky/horse/reindeer sledging or sleigh riding Inclusive Organised activity as a passenger only with a local driver and not on snow
Hydro zorbing Inclusive
Ice cricket Winter Sports
Ice go-carting Winter Sports Within organisers guidelines and no liability cover
Ice hockey Winter Sports
Ice skating Inclusive
Ice windsurfing Winter Sports No liability cover
In-line skating/roller blading Inclusive Wearing pads and helmets
Indoor climbing Inclusive On climbing wall
Indoor skating/skateboarding Inclusive Wearing pads and helmets
Javelin throwing (amateur) Inclusive
Jet boating* Inclusive Excluding racing and/or competitions
Jogging Inclusive
Judo* Pack 3 Amateur only and not main purpose of the trip
Karate* Pack 3 Amateur only and not main purpose of the trip
Karting* Inclusive Wearing a helmet and no racing
Kayaking (grade 4 and above rivers) Pack 3
Kayaking (up to grade 2 rivers) Inclusive
Kayaking (up to grade 3 rivers) Pack 2
Kick sledging Winter Sports
Korfball (amateur) Inclusive
Lacrosse Pack 1 Amateur only and not main purpose of the trip
Marathon running Pack 1 Amateur only and not main purpose of the trip
Minjin swinging Pack 1
Mixed gas diving (nitrox/trimax and not commercial) to 30 metres Pack 2 If qualified scuba diver or accompanied by qualified instructor and not diving alone or involved in cave diving
Mixed gas diving (nitrox/trimax and not commercial) to 40 metres Pack 3 If qualified scuba diver or accompanied by qualified instructor and not diving alone or involved in cave diving
Mountain Biking up to 2,500 metres above sea level Inclusive Wearing a helmet and no racing
Mud buggying Pack 1
Netball (amateur) Inclusive
Non-retail work including occasional light manual work* Pack 2 Not including the use of power tools and machinery
Octopush Inclusive
Orienteering Inclusive
Paddle boarding Inclusive
Paint balling/war games* Inclusive Wearing eye protection
Parasailing/parascending over water Inclusive
Pedalos Inclusive
Pilates Inclusive
Pony trekking Inclusive Wearing a helmet
Power boating* Inclusive
Racket ball Inclusive
Rambling Inclusive
Refereeing (amateur only) Inclusive
Retail trade including manual work* Pack 1 Not including the use of power tools and machinery
Ringos Inclusive
River tubing Pack 1
Roller hockey Pack 1 Amateur only and not main purpose of the trip
Roller skating/blading/in line skating Inclusive Wearing pads and helmets
Rounders (amateur) Inclusive
Rowing Inclusive No racing
Rugby Pack 3 Amateur only and not main purpose of the trip
Running Inclusive Non-competitive, not part of a triathlon and not a marathon of any type
Safari trekking/tracking in the bush Inclusive Must be organised tour
Sail boarding/wind surfing Inclusive
Sailing/yachting* Inclusive If qualified or accompanied by a qualified person and no racing
Sand boarding/sand dunes/sand surfing/sand skiing Inclusive
Sand yachting* Inclusive No racing
Scuba diving to 30 metres Pack 2 If qualified scuba diver or accompanied by qualified instructor and not diving alone or involved in cave diving
Scuba diving to 40 metres Pack 3 If qualified scuba diver or accompanied by qualified instructor and not diving alone or involved in cave diving
Scuba diving up to depth of 18 metres Inclusive 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 Inclusive Within sight of land
Segway riding* Inclusive Organised tours only, wearing correct safety equipment including a helmet
Shark Cage Diving Pack 3
Shooting/small bore target/rifle range shooting Inclusive Within organisers guidelines
Skateboarding Inclusive Wearing pads and helmets
Ski biking Winter Sports
Ski boarding Winter Sports
Ski run walking Winter Sports
Ski-blading Winter Sports
Ski-doing/snow mobiling* Winter Sports
Skiing - mono Winter Sports
Skiing - nordic Winter Sports
Skiing - off piste** with a guide Winter Sports A piste is a recognised and marked ski run within the resort boundaries
Skiing cross country Winter Sports
Skiing on piste ** Winter Sports A piste is a recognised and marked ski run within the resort boundaries
Sky jumping (from Sky Tower in Auckland, New Zealand only) Pack 3
Sledging tobogganing on snow Winter Sports
Sledging/sleigh riding as a passenger Inclusive Pulled by horse or reindeer, with a maximum of two nights for Lapland trips
Sledging/sleigh riding* Winter Sports Pulled by a horse or reindeer as a passenger
Snorkelling Inclusive
Snow biking Winter Sports
Snow blading Winter Sports
Snow boarding on piste ** Winter Sports A piste is a recognised and marked ski run within the resort boundaries
Snow boarding-off** piste with a guide Winter Sports A piste is a recognised and marked ski run within the resort boundaries
Snow bobbing Winter Sports
Snow carving Winter Sports Using non powered hand tools only and not working above 3 metres from the ground
Snow go karting Winter Sports No liability cover
Snow mobiling/skidooing* Winter Sports No liability cover
Snow scooting* Winter Sports
Snow shoe walking up to 3,500 metres above sea level Winter Sports
Snow tubing Winter Sports
Snowcat driving* Winter Sports
Softball (amateur) Inclusive
Spear fishing (without tanks) Inclusive
Speed sailing* Inclusive No racing
Squash Inclusive
Street hockey Pack 1 Wearing pads and helmets
Street luge Pack 1
Students working as counsellors or university exchanges for practical course work (non-manual)* Inclusive
Superintendance of manual work* Pack 1
Surfing Inclusive Including on board surf simulators
Swimming Inclusive Excluding competitions or racing
Swimming with dolphins Inclusive
Swimming/bathing with elephants Inclusive
Sydney harbour bridge Inclusive Organised and walking across clipped onto a safety line
Table tennis Inclusive
Tai chi Pack 3
Tall ship crewing* Inclusive No racing
Teaching* Inclusive Language and musical instruments - no use of tools/and or machinery
Telemarking Winter Sports
Ten pin bowling Inclusive
Tennis Inclusive
Tobogganing Inclusive
Trampolining Inclusive
Tree canopy walking Inclusive
Trekking/hiking/walking/hill walking up to 2,500 metres above sea level Inclusive
Trekking/hiking/walking/hill walking up to 2,501 to 3,500 metres above sea level Pack 2
Trikke riding* Inclusive Organised tours only, wearing correct safety equipment including a helmet
Tubing Pack 1
Tug of war Inclusive
Via ferrata Pack 2
Volleyball Inclusive
Wake boarding Inclusive
Water parks Inclusive
Water polo (amateur) Inclusive
Water skiing/water ski jumping Inclusive
Whale watching Inclusive
White water canoeing/kayaking/touring up to grade 4 Pack 3
White water canoeing/kayaking/touring/rafting up to grade 2 rivers Inclusive
White water rafting up to grade 4 Pack 3 Within organisers guidelines
Wicker basket tobogganing Inclusive
Wind surfing/sailboarding Inclusive
Wind tunnel flying Inclusive Pads and helmets to be worn
Winter walking up to 3,500 metres above sea level Winter Sports Using crampons and ice picks only
Yoga Inclusive
Zap cats* Inclusive
Zip lining/trekking Inclusive Safety harness must be worn
Zorbing/hydro zorbing/sphering Inclusive
* Prices based on a 30 year-old individual travelling in Europe

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