Work and Charity

included as standard or available for additional premium under our backpacker policies only

The information below provides a list of work and charity covered under our backpacker policies either as standard or for an additional premium (this page is not applicable to single trip or annual multi-trip policies). It also outlines work and charity we don't cover, if your work or charity isn't covered in this list it is not covered.

This page is updated on a regular basis as new types of work or charity are referred to our team, if you don't see what you need please contact us. Please refer to the policy wording for full details.

No Personal liability cover while working. We exclude work involving the lifting or carrying of heavy items in excess of 25Kg, work at a higher level than two storeys or any form of work underground.

Work/Charity Cover Required Special Conditions
Administrative work: Office work Inclusive
Administrative work: Project manager (office based) Inclusive
Au Pair Inclusive
Beauty Therapist Not covered
Conservation Work: Beach Cleanups Inclusive
Conservation Work: Marine Inclusive Collecting data, restoring coral reefs and removing plastic from the ocean
Conservation Work: Parrots Pack 2
Conservation Work: Reef Monitoring Inclusive
Conservation Work: Reforestation Pack 2 Planting seedlings and monitoring the forest, working with local communities
Conservation Work: Turtles Inclusive
Cruise Ship: Entertainer Not covered
Dog Walker Inclusive
Farm Work: Driving a Tractor Not covered
Farm Work: Fruit Picking Inclusive
Farm Work: Working with Animals Not covered
Groundsman (Cricket Pitch/Golf Course etc) Not covered
Hairdresser / Hairstylist Pack 2
Hospitality: Admissions Inclusive
Hospitality: Bar Work Inclusive Serving, Cleaning, Restocking etc
Hospitality: Catering Inclusive
Hospitality: Chef/Cook Not covered
Hospitality: Concierge Inclusive
Hospitality: Dishwasher Inclusive
Hospitality: Event Planner Inclusive
Hospitality: Festival Worker Pack 2
Hospitality: Host/Hostess Inclusive
Hospitality: Porter Inclusive
Hospitality: Valet Inclusive
Hospitality: Waiter/Waitress Inclusive Serving, Cleaning, Restocking etc
Journalist Inclusive
Lifeguard: Beach Not covered
Lifeguard: Swimming Pool Pack 2
Massage Therapist Not covered
Medical Professions (Doctor/Nurse/Student/Assistant/Volunteer) Not covered
Modelling Inclusive
Nail Technician Not covered
Nanny Inclusive
Photographer Inclusive
Retail Work: Shop Assistant Inclusive
Retail Work: Theme Park Inclusive
Ski Buddy Wintersports
Summer Camp Inclusive Sports & Activity pack upgrade may be needed for activities.
Teaching: Classroom/School Inclusive
Teaching: Language Tutor (including TEFL) Inclusive
Teaching: Scuba Instructor Inclusive Must be fully qualified. Depending on the depth, Sports & Activity pack upgrade may be needed.
Teaching: Ski instructor Not covered
Teaching: Tennis Coach Not covered
Teaching: Windsurf instructor Inclusive
Teachng: Sail Instructor Not covered
Tour Guide Pack 2
Videographer Inclusive
Volunteering: Animal Population Surveyor Inclusive Organised by charity or other organisation. No Guns, no direct contact with animals.
Volunteering: Elephant Sanctuary Not covered
Volunteering: Homeless Shelter Inclusive
Volunteering: Monkey Sanctuary Not covered
Volunteering: Refugee Camp Inclusive
Volunteering: Working with animals (direct) Not covered
Volunteering: Working with animals (indirect) Pack 2 Food prep and distribution, Enclosure cleaning, Animal tracking. No Animal Contact
Volunteering: Working with stray animals Not covered
Working at Height (over two stories / 6 metres) Not covered
Working at Height (up to two stories / 6 metres) Inclusive
Working underground Not covered
Youth Worker Inclusive Sports & Activity pack upgrade may be needed for activities.

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