Special Sports and Activities Cover

a group sailing the dogtag boat

Scroll down for a list of the sports that we cover and the Sport cover level required. Some sports generate more questions than others so please visit the SPORTS INFORMATION LIBRARY for answers. This is could save you a phone call or email.

We have five levels of sports cover:

  • SPORT The default DOGTAG level, it covers a very wide range of sports and activities
  • SPORT For high risk sports. Includes all sports listed under Sport
  • EXTREME For even higher risk sports. Includes those covered under Sport & Sport+
  • EXTREME For even riskier sports. Includes those covered under Sport, Sport+ & Extreme
  • SUPER EXTREME For the highest risk sports. Includes those covered under Sport, Sport+, Extreme & Extreme +
Sport Sport +Extreme Extreme +Super Extreme ReferralSpecial Conditions
Abseiling (within organisers guidelines)
Y
***
Adventure Racing – please click here to discuss cover for this activity.y – please click here to discuss cover for this activity.
Aerial Safaris (in chartered aircraft and an organised excursion)y
Aerobicsy
Airboardingy
Airsofty*
**
***
Amateur Athletic Track and Field Eventsy*
American Football (Amateur Match and Training Only)y**
Angling (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y
Animal Sanctuary/Refuge Work (Non-Big Game)y
Archaeological Diggingy
Archeryy*
Arctic Expeditions- please click here to discuss cover for this activity.y – please click here to discuss cover for this activity.*
Assault Coursey
Assault Courses including High Ropesy
Badmintony
Bamboo Rafting (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y
Banana Boating (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y
Bar and Restaurant Worky
Basebally*
Basketbally
Beach Gamesy
Biathlony*
Billiardsy
Black Water Rafting (Grades 1-3)y*
**
***
Black Water Rafting (Grades 4-6)y*
**
***
Blading (No Stunts)y
Blowcartingy*
**
BMX Cycling (No Freestyle)y
BMX Freestyley**
BMX Racing (Amateur Only)y**
Board Sailing (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y*
Bobsleigh (Winter Sports Extension Required)y*
**
Body Boarding (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y
Boogie Boarding (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y
Boulderingy*
**
Bowling/Bowlsy
Boxing (Amateur Fight Only)y**
Boxing (Training Only)y**
Brazilian Jiu Jitsu (Amateur Fight Only)y**
Brazilian Jiu Jitsu (Training Only)y**
Breathing Observation Bubble (BOB)y***
Bridge Swingingy*
**
***
Buggyingy*
Bungee Jumpingy*
**
***
Cable Car Ridey
Camel Riding/Trekkingy*
Canoeing/Rafting/White Water Rafting/Kayaking up to grade 3 (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y**
Canoeing/Rafting/White Water Rafting/Kayaking grades 4 and 5 (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y*
**
Canyoningy**
Catamaran/Yachting/Sailing (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y*
Cave Diving – please click here to discuss cover for this activity.y- please click here to discuss cover for this activity.*
Cave Tubingy
Cheerleadingy
Clay Pigeon Shooting/Small Bore Target Shooting/Rifle Rangey*
Climbing (on climbing wall only)y**
Climbing (mountaineering) up to 2,000my*
Climbing (mountaineering) up to 3,000my*
Climbing (mountaineering) up to 4,000my*
**
Climbing (mountaineering) up to 6,000my*
**
Climbing (mountaineering) over 6,000m – please click here to discuss cover for this activity.y- please click here to discuss cover for this activity.*
**
Coasteering (With A Guide)y**
Crickety
Croquety
Cross Country Runningy
Curlingy
Cycle Touring – please click here to discuss cover for this activity.y- please click here to discuss cover for this activity.
Cycle Racing/Time Trialsy*
**
Cycling (Excluding Mountain Biking, BMX and Touring)y
Cycling Endurance Eventsy*
**
Cyclo Crossy**
Dancing (including lesson participation)y
Dartsy
Deep Sea Fishingy*
Dinghy Sailing (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y*
Diving (High Diving or Spring Board) (Swimming Pools Only)y
Dodgebally
Dog Sledding (Recreational Only)y
Downhill Mountain Biking (Amateur Competition Only)y**
Downhill Mountain Biking (Megavalanche or Similar Event)y**
Downhill Mountain Biking (Recreational Only)y**
Dry Slope Skiing / Boardingy
Dragon Boat Racing (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y*
Elephant Riding/Trekkingy*
Endurance Testsy**
Falconryy**
Fell Running (up to 4,000 metres)y
Fell Walking (up to 4,000 metres)y
Fencingy*
**
Figure Skatingy
Fishing (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y
Fivesy
Flag American Footbally
Flying – Tuition (with a licensed instructor)y*
***
Flying (Piloting)y*
Flying as a Passenger in an Aircraft (Private Plane/Helicopter/Glider)y*
***
Football (Amateur Match and Training Only)y
Four x Four Off-Road Drivingy*
***
Free Diving (Not Solo)y**
***
Fruit or vegetable picking (under 3 metres)y
Frisbee/Ultimate Frisbeey
Gaelic Footbally
Glacier Walking (Winter Sports Extension Required)y
Glass bottom boats/bubblesy
Gliding (Piloting)y*
Gliding (Passenger Only)y*
***
Gliding (Amateur Competition)y*
***
Gliding (learning with a qualified instructor)y*
***
Go Karting (up to 120cc, wearing a helmet)y*
Goalbally
Golfy
Gorge Walking (With Ropes)y
Gorilla Trekking (Organised Tours Only)y***
Gym Fitnessy
Gymnasticsy
Gymnastics (Involving Stunts)y
Handbally
Hang Gliding (Piloting)y*
Hang Gliding (Passenger Only)y*
***
High Diving (Swimming Pools Only)y
Highland Games – Athletics Events (Amateur Competition Only)y
Highland Games – Heavy-Weight Events (Amateur Competition Only)y
Hiking (up to 4,000 metres)y
Historical/Battle Reenactmenty*
**
Hobie Cat Sailing (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y*
Hockey (Field Hockey)y
Hockey (Ball Hockey)y**
Hockey (Ice Hockey)y**
Horse Riding (Dressage)y**
Horse Riding (Polo)y**
Horse Riding (Show Jumping)y**
Horse Riding (Eventing)y**
Horse Riding (wearing a helmet and excluding racing, jumping, hunting and less that 7 days)y**
Hot Air Ballooning (Passenger Only)y*
Hot Air Ballooning (Piloting)y*
Hot Dogging (up to grade 3)y
Hot Springsy
Hurlingy**
Husky Dog Sleddingy
Hydrospeeding (white water up to Grade 3)y**
***
Hydrospeeding (white water Grades 4)y**
***
Hydro Zorbingy
Ice Climbing (Winter Sports Extension Required)y*
**
Ice Crickety*
Ice Diving- please click here to discuss cover for this activity.y- please click here to discuss cover for this activity.*
Ice Go Kartingy*
**
***
Ice Hockeyy**
Ice Holingy*
Ice Marathony
Ice Skating (Rink Only)y
Ice Surfingy*
Ice Windsurfingy*
Iron Many***
Jet Boating (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y*
Jet Skiing (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y*
Jiu Jitsu (Amateur Fight Only)y**
Jiu Jitsu (Training Only)y**
Joggingy
Judo (Amateur Fight Only)y**
Judo (Training Only)y**
Jungle Marathon, Arctic Marathon, UTMB etc – please click here to discuss cover for this activity.y – please click here to discuss cover for this activity.*
***
Karate (Amateur Fight Only)y**
Karate (Training Only)y**
Kayaking incl. White Water up to grade 3 (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y**
Kayaking incl. White Water grades 4 and 5 (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y*
**
Kendo (Amateur Fight Only)y**
Kendo (Training Only)y**
Kettlebell Liftingy
Kick Boxing (Amateur Fight Only)y**
Kick Boxing (Training Only)y**
Kilimanjaro Trekkingy**
Kite Buggyingy
Kite Snowboarding (Winter Sports Extension Required)y
Kite Surfing (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y
Kloofingy
Korfbally
Krav Maga (Amateur Fight Only)y**
Krav Maga (Training Only)y**
Lacrossey
Land Skiingy
Land Yachtingy
Langlauf (Winter Sports Extension Required)y
Llama Riding/Trekkingy*
Low Ropesy
Luge/Bobsleigh (Winter Sports Extension Required) -please click here to discuss cover for this activity.y – please click here to discuss cover for this activity.*
Marathon – Arctic – Cycle Touring – please click here to discuss cover for this activity.y – please click here to discuss cover for this activity.*
***
Marathon – City and/or Street y
Marathon – Ultra Marathons e.g. Marathon des Sables – please click here to discuss cover for this activity.y- please click here to discuss cover for this activity.*
***
Micro Lighting y*
Mixed Gas Diving (Must be qualified) – Not Solo y**
Model Flyingy*
Modern Pentathlony
Motorcycling – (Requires full UK Licence)y*
**
Motorcycling Off Road – Non Competitive up to 400 CC (Requires full UK Licence)y*
**
Motorcycling Off Road – Non Competitive over 400 CC (Requires full UK Licence)y*
**
Motor Paintbally*
**
***
Mountain Biking – Downhilly**
Mountain Biking – Enduro (e.g. Trans Savoie)y**
Mountain Biking – Freestyley**
Mountain Biking – Recreational (Not Downhill)y**
Mountain Boardingy**
Mountaineering up to 2,000my*
Mountaineering up to 3,000my*
Mountaineering up to 4,000my*
**
Mountaineering up to 6,000my*
**
Mountaineering over 6,000m – please click here to discuss cover for this activity.y – please click here to discuss cover for this activity.*
**
Mule Trekkingy*
Netbally
Octopushy
Off Piste Skiing (Winter Sports Extension Required)y
Off Piste Snowboarding (Winter Sports Extension Required)y
Orienteering (up to 4,000 metres above sea level)y
Ostrich Ridingy*
Paddle Boarding
Paintballing (Motor Paintball)y*
**
***
Paintballingy*
**
***
Parachuting (Tandem Only)y*
**
***
Paragliding (Passenger Only)y*
**
***
Paragliding (Piloting)y*
**
Paramotoring (Passenger Only)y*
**
***
Paramotoring (Piloting)y*
**
Parascending/Parasailing – Over Landy*
**
***
Parascending/Parasailing – Over Water (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y*
**
***
Pedalos (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y
Petanquey
Pigeon Racingy
Pilatesy
Polo (Equestrian)y*
**
Polo (Water)y
Polocrossy*
**
Pony Trekkingy*
**
Pooly
Potholing/Caving – Not Solo – please click here to discuss cover for this activity.y – please click here to discuss cover for this activity.*
**
Power Boating (Passenger Only) – (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y*
Power Gliding (Passenger Only)y*
**
***
Power Gliding (Piloting)y*
**
Power Kiting y*
Power Liftingy
Quad Biking (up to 300cc)y*
**
***
Quad Biking (up to 400cc)y*
**
***
Quoitsy
Racquet Ball / Racketsy*
Rambling (up to 4,000 metres above sea level)y
Rap Running/Jumping (within organisers guidelines)y**
Red Bull Crashed Ice Cross (Winter Sports Extension Required)y*
**
***
Reverse Bungeey*
Rifle Rangey*
Ringos (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y
River Buggingy*
**
River Sledgingy*
**
River Tubingy*
**
River Walking y*
**
Rock Climbing – up to 2,000my*
Rock Climbing – up to 3,000my*
Rock Climbing – up to 4,000my*
**
Rock Climbing – up to 6,000my*
**
Rock Climbing – over 6,000m – please click here to discuss cover for this activity.y – please click here to discuss cover for this activity.*
**
Rock Scrambling – up to 4,000my*
**
Roller Derbyy**
Roller Hockeyy**
Roller Skating/Blading/In-line (incidental, wearing pads, helmet and no stunts)y**
Roundersy
Rowing (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y
Rugby (Amateur Match and Training Only)y
Safari in a Vehicle/Trekking/Tracking (organised tour, no fire arms)y
Sailboarding (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y
Sailing/Yachting Recreational (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y*
Sailing Amateur Racing (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y*
Sailing Recreational (Offshore-Offshore Only refers to within 30 nautical miles of the coastline) – please click here to discuss cover for this activity.y – please click here to discuss cover for this activity.*
Sailing Amateur Racing (Offshore-Offshore Only refers to within 30 nautical miles of the coastline) – please click here to discuss cover for this activity.y – please click here to discuss cover for this activity.*
Sand Boardingy*
Sand Duning y*
Sand Skiingy*
Sand Surfingy*
Sand Yachtingy*
Scuba Diving – Mixed Gas (Must be qualified) – Not Solo y**
Scuba Diving – to a depth of 30 metres (if qualified or accompanied by qualified instructor and Not Solo) (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline) y**
Scuba Diving to 50m (Must be PADI or equivalent qualified and Not Solo)y**
Sea Canoeing/Kayaking (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y
Sea Fishing (Inshore Only)y
Shark Diving – Professionally supervised in a cage (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y**
***
Shintyy**
Shooting (Clay Pigeon)y*
Shooting (Target Range)y*
Skin Diving – to a depth of 30 metres (if qualified or accompanied by a qualified instructor and Not Solo) (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y**
Skateboarding (No Stunts)y**
Skateboarding Downhilly**
Skateboarding Freestyley**
Skeleton (Winter Sports Extension Required)y*
Ski/Snowboard Instructor Nordic Course (Winter Sports Extension Required)y
Ski/Snowboard Instructor Adaptive/Disabled Course (Winter Sports Extension Required)y
Ski/Snowboard Instructor Alpine Course (Winter Sports Extension Required)y
Ski/Snowboard Instructor Coaching Course (Winter Sports Extension Required)y
Ski/Snowboard Instructor Course – Performance Training (Winter Sports Extension Required)y
Ski/Snowboard Instructor Course – Residential Beginner (Winter Sports Extension Required) y
Ski/Snowboard Instructor In-service Course (Winter Sports Extension Required)y
Ski/Snowboard Instructor Mountain Safety Course (Winter Sports Extension Required)y
Ski/Snowboard Instructor Ski/Snowboard Alpine Courses – Eurotest etc (Winter Sports Extension Required)y
Ski/Snowboard Instructor Teaching On Snow Or Artificial Slope (Winter Sports Extension Required)y
Skiing/Snowboarding (Winter Sports Extension Required)y
Skiing/Snowboarding – Back Country, with a Guide (Winter Sports Extension Required)y
Skiing/Snowboarding – Back Country, without a Guidey
Skiing/Snowboarding – Cat (Winter Sports Extension Required)y
Skiing/Snowboarding – Cross Country (Winter Sports Extension Required)y
Skiing/Snowboarding – Dry Slope (Winter Sports Extension Required)y
Skiing/Snowboarding – Freestyle e.g. Terrain Park etc. No Inverted Aerials (Winter Sports Extension Required)y
Skiing/Snowboarding – Glacier (Winter Sports Extension Required)y
Skiing/Snowboarding – Heli (Winter Sports Extension Required)y
Skiing/Snowboarding – Moguls (Winter Sports Extension Required)y
Skiing/Snowboarding – Mono (Winter Sports Extension Required)y
Skiing/Snowboarding – Nordic (Winter Sports Extension Required)y
Skiing/Snowboarding – Para (Winter Sports Extension Required)y
Skiing – Ski Biking (Winter Sports Extension Required)y
Skiing – Ski Blading (Winter Sports Extension Required)y
Skiing – Ski Boarding (Winter Sports Extension Required)y
Skiing – Ski Cross/Snowboard Cross (Winter Sports Extension Required)y
Skiing – Ski Dooing (Winter Sports Extension Required)y*
Skiing – Ski Flying (Winter Sports Extension Required)y
Skiing – Ski Jumping (Winter Sports Extension Required) – please click here to discuss cover for this activity.y – please click here to discuss cover for this activity.
Skiing – Ski Mountaineering (Winter Sports Extension Required) -please click here to discuss cover for this activity.y – please click here to discuss cover for this activity.
Skiing – Ski Race Training (Winter Sports Extension Required)y
Skiing – Ski Racing (Winter Sports Extension Required) – please click here to discuss cover for this activity.y – please clickhere to discuss cover for this activity.
Skiing – Ski Racing e.g. ski school races etc (Winter Sports Extension Required)y
Skiing – Ski Randonee (Winter Sports Extension Required)y
Skiing – Ski Stunting – no inverted aerials (Winter Sports Extension Required)y
Skiing – Ski Touring (Winter Sports Extension Required)y
Skiing – Slopestyle – no inverted serials (Winter Sports Extension Required)y
Skiing – Snowcat (Winter Sports Extension Required)y*
Skydiving (Tandem Only)y*
**
Sledding/Sledging or Sleigh Riding – passenger only if pulled by Horse, Dogs or Reindeer (Winter Sports Extension Required)y
Sledging/Toboganning (Winter Sports Extension Required)y
Small Bore Target Shootingy*
Snookery
Snorkelling (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y
Snow Biking (Winter Sports Extension Required)y
Snow Blading (Winter Sports Extension Required)y
Snow Bobbing (Winter Sports Extension Required)y
Snow Go Karting (Winter Sports Extension Required)y*
Snow Mobil (Winter Sports Extension Required)y*
Snow Parascending (Winter Sports Extension Required)y
Snow Scooting (Winter Sports Extension Required)y*
Snow Shoing (Winter Sports Extension Required)y
Snow Tubing (Winter Sports Extension Required)y
Snowboarding – Snowboard Cross (Winter Sports Extension Required)y
Snowcat Driving (Winter Sports Extension Required)y*
Soccer (Amateur Match and Training Only)y
Softbally
Speed Boating (Passenger Only)y*
Speed Sailing (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y*
Speed Skating (Winter Sports Extension Required)y
Sphereingy
Spinning Classy
Squashy*
Storm Chasingy*
Street Hockeyy**
Strongest Man/ Strongest Women Competitiony***
Summer Tobogganingy
Surfing (Inshore-Inshore Only refers to within 12 nautical miles of the coastline)y
Swimming (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y
Swimming – Long Distance, must have rescue/support crew (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y
Swimming with Dolphins (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y
Swimming/Bathing with Elephants (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y*
Swimruny*
**
***
Sydney Harbour Bridge Walk (organised and walking across clipped onto a safety line)y
Table Tennisy
Tae Kwon Do (Amateur Fight Only)y**
Tae Kwon Do (Training Only)y**
Tall Ship Crewing (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y*
Team Buildingy
Telemarking (Winter Sports Extension Required)y
Ten Pin Bowlingy
Tennisy
Thai Boxing/ Kick Boxing (Amateur Fight Only)y**
Thai Boxing/ Kick Boxing (Training Only)y**
Time Trials – Cyclingy**
Toboganning/ Sledging (Winter Sports Extension Required)y
Touch Footbally
Touch Rugbyy
Tough Muddery***
Track Days – Car or Motorcycle y*
**
***
Track Days – Car only (In-car supervision required)y*
**
***
Trampoliningy
Trapeze (Flying Trapeze)y**
Tree Top Trekking/Canopy Walkingy
Trekking/Hiking up to 2,000my
Trekking/Hiking up to 3,000my
Trekking/Hiking up to 4,000my**
Trekking/Hiking over 4,000my**
Trekking – Kilimanjaroy**
Trekking – Everest Base Campy**
Triathlony
Tubingy
Tug of Wary
Ultimate Frisbeey
Ultra Marathon e.g. Marathon des Sables, Untra Trail etc – please click here to discuss cover for this activity.y – please click here to discuss cover for this activity.
Via Ferrattay**
***
Volleybally
Wake Boarding (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y
Water Hockeyy
Water Poloy
Water Skiing – No Jumping (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y
Weight Lifting y
Wicker Basket Tobagganingy
Whale Watching (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y
Wheelchair Basketbally
Wind Tunnel Flyingy
Windsurfing (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y
Wrestlingy
Yachting Recreational (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y*
Yachting Amateur Racing (Inshore Only-Inshore Only refers to within 12 nautical miles of the coastline)y*
Yachting Recreational (Offshore-Offshore Only refers to within 12 nautical miles of the coastline) – please click here to discuss cover for this activity.y – please click here to discuss cover for this activity.*
Yachting Amateur Racing (Offshore-Offshore Only refers to within 12 nautical miles of the coastline) -please click here to discuss cover for this activity.y – please click here to discuss cover for this activity.*
Yogay
Zip-Lining/ Trekking/ Wiringy**
***
Zorbing/Hydro Zorbingy**
***

Please pay special attention to the following:
  • Some activities will ask you to ‘please click here to discuss cover for this activity’. If you follow that link you will be asked to send us some more information about your trip plans, to allow us to consider cover for you.
  • At the right hand side of the table you will see ‘Special Conditions’ Columns. Please use the key below to understand any conditions referring to each activity.
    • * = Means there is no Personal Accident or Personal Liability Cover related to this activity (see explanation at the bottom of the page for more information).
    • ** = Means you must wear/use protective/safety equipment whilst partaking in the activity.
    • *** = Means the activity must be run as part of an event/experience and supervised by professionals.
    • # = Means there is no cover for rescue.

*Personal Accident refers to the payment of a benefit amount if you are permanently injured or pass away, as described within the policy wording. If we have stated that there is no cover for Personal Accident above, that means you would not be covered for Personal Accident claims in relation to that sport or activity.

Personal Liability – this is when you are legally responsible to pay someone you caused injury to or damage to their property, as described within the policy wording. If we have stated that there is no cover for Personal Liability above, that means you would not be covered for Personal Liability claims in relation to that sport or activity.