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Check if your activity is covered
Not sure if your holiday activity is covered? You're not alone.
That’s why we’ve made this clear, easy-to-use list of popular activities and whether they’re covered by your travel insurance.
Whether it’s a beach adventure, a mountain trek or something in between, we’ll help you check if you're covered — fast.
Land-based activities
| Sport/Activity | Covered | Not Covered |
|---|---|---|
| 4 x 4 Driving along the beach | Yes (without cover for personal accident and personal liability) |
|
| Abseiling (within organiser’s guidelines) Professionally organised and safety equipment must be worn. |
Yes (with Extended Risk Activities add on) |
|
| Adventure Racing (Expedition Racing) | Excluded | |
| Aerobics | Yes | |
| Alligator Wrestling | Excluded | |
| Amateur Athletic Track & Field Events | Yes | |
| American Football | Excluded | |
| Angling | Yes | |
| Animal Sanctuary/Refuge Work Must be booked with a reputable provider that considers animal welfare. No cover for activities involving dangerous animals (e.g. big cats, crocodiles, rhinos). |
Refer |
|
| Archaeological Digging | Yes | |
| Archery | Yes (without cover for personal accident and personal liability) |
|
| Art Class | Yes | |
| Assault Courses including High Ropes | Excluded | |
| Athletics | Yes | |
| Athletics (amateur) | Yes | |
| Badminton | Yes | |
| Ball Hockey | Excluded | |
| Ballroom Dancing | Yes | |
| Bar Work | Yes | |
| Base Running | Yes | |
| Baseball | Yes | |
| Basketball | Yes | |
| Beach Games | Yes | |
| Big Game Hunting | Excluded | |
| Billiards | Yes | |
| Bird Watching | Yes | |
| Blade Skating | Yes | |
| Blow Karting | Excluded | |
| BMX Stunt Riding | Excluded | |
| BMX Freestyle, Racing, Stunt & Obstacle | Excluded | |
| Bobbing (i.e. apple bobbing) | Yes | |
| Bouldering | Excluded | |
| Bowling | Yes | |
| Bowls | Yes | |
| Boxing | Excluded | |
| Boxing Training | Excluded | |
| Bridge Swinging | Excluded | |
| Bridge Walking e.g. Sydney Harbour Bridge | Yes | |
| Buggying | Excluded | |
| Bull Running | Excluded | |
| Bungee Jumping (within organiser’s guidelines) | Yes (with Extended Risk Activities add on) | |
| Camel Riding Booked through reputable company and animals welfare is taken into consideration. |
Yes | |
| Camping | Yes | |
| Canopy Walking | Yes | |
| Canyoning | Excluded | |
| Caravaning | Yes | |
| Caving / Pot Holing | Excluded | |
| Champ Ball | Yes | |
| Cheerleading (acrobatic) Allowed only at ground level with no throwing, climbing or similar activities. |
Excluded | |
| Chess | Yes | |
| Climbing (on a climbing wall only and with belays) | Yes (without cover for personal accident and personal liability) |
|
| Cooking | Yes | |
| Coasterring | Excluded | |
| Cricket | Yes | |
| Croquet | Yes | |
| Cross Country Running | Yes | |
| Curling | Yes | |
| Cycle Racing | Excluded | |
| Cycle Touring | Yes | |
| Cycling ( recreational only, no racing or competitions) |
Yes | |
| Cyclo Cross | Yes (without cover for personal accident and personal liability) |
|
| Dancing | Yes | |
| Darts | Yes | |
| Deer Stalking | Excluded | |
| Devil Karting (unpowered) | Excluded | |
| Dirt Boarding (no tricks, jumps) | Excluded | |
| Dodgeball | Excluded | |
| Dog sledding as a passenger with a professional driver | Yes | |
| Donkey Ride | Yes | |
| Downhill Mountain Biking | Yes (without cover for personal accident and personal liability) |
|
| Drag Racing | Excluded | |
| Dune Bashing | Excluded | |
| E-Scooter Only allowed on organised tours with a safety helmet. |
Yes | |
| Elephant Riding Only covered if booked through a reputable company that ensures animal welfare. |
Yes | |
| Elephant Trekking (non UK booked trip) Only covered if booked through a reputable company that ensures animal welfare. |
Yes | |
| Elephant Trekking (UK booked trip) Only covered if booked through a reputable company that ensures animal welfare. |
Yes | |
| Endurance Activities (up to 2,500m above sea level) | Yes (with Extended Risk Activities add on) | |
| Endurance Tests | Excluded | |
| Equestrian Events | Excluded | |
| Expeditions | Excluded | |
| Extreme Sports | Excluded | |
| Falconry | Yes (without cover for personal accident and personal liability) |
|
| Fell Running/Walking | Yes | |
| Fencing | Yes (without cover for personal accident and personal liability) |
|
| Fishing | Yes | |
| Fives | Yes | |
| Flag Football | Yes (without cover for personal accident and personal liability) |
|
| Fly fishing | Yes | |
| Football - Beach kick around | Yes | |
| Football/Soccer (non-competitive) | Yes | |
| Free Mountaineering | Excluded | |
| Free Running | Excluded | |
| Freestyle Skateboarding | Excluded | |
| Frisbee | Yes | |
| Fruit & Vegetable Picking (ground level only) | Yes | |
| Gaelic Football | Excluded | |
| Go Ape Zip Line and Treetop Adventure | Yes | |
| Go Karting | Yes (without cover for personal accident and personal liability) |
|
| Golf | Yes | |
| Gorge Walking | Yes (without cover for personal accident and personal liability) |
|
| Gymnastics (no competitions) | Yes | |
| Handball | Yes | |
| Harness Racing | Excluded | |
| Heptathlon | Yes | |
| Hiking/Trekking/Walking (above 4,000 metres) | Excluded | |
| Hiking/Trekking/Walking (between 2,501 metres and 4,000 metres) | Yes (without cover for personal accident and personal liability) |
|
| Hiking/Trekking/Walking (below 2,500 metres) | Yes | |
| Historical Research | Yes | |
| Hockey | Excluded | |
| Horse Racing | Excluded | |
| Horse Riding (excl. competitions/racing/jumping/hunting) Covered if not the main purpose of the trip and a helmet is worn. |
Yes (without cover for personal accident and personal liability) |
|
| Hunting | Excluded | |
| Hurling | Excluded | |
| Husky Dog Sleigh Ride Must be professionally organised and driven by a qualified operator. |
Yes | |
| Husky Safari Must be professionally organised and driven by a qualified operator. |
Yes | |
| Ice climbing | Excluded | |
| Ice Skating | Yes | |
| Indoor Climbing (climbing with belays) | Yes (without cover for personal accident and personal liability) |
|
| Indoor Skating | Yes | |
| Inline skating/ roller skating (wearing pads & helmets) | Yes | |
| Ironman | Excluded | |
| Jogging | Yes | |
| Jousting | Excluded | |
| Judo / Karate / Martial Arts | Excluded | |
| Karate | Excluded | |
| Karting | Yes (without cover for personal accident and personal liability) |
|
| Keepfit | Yes | |
| Kendo | Excluded | |
| Kick Sledding | Yes | |
| Kite Buggying (on land) | Excluded | |
| Kiting (on ground, not used to propel forward) | Yes | |
| Kloofing | Excluded | |
| Korfball | Yes | |
| Lacrosse | Excluded | |
| Land Skiing (not on snow) | Yes (with Extended Risk Activities add on) | |
| Land Yachting | Excluded | |
| Lasso Throwing (not Rodeo) | Yes | |
| Long Distance Running Marathons are covered as organised events with support on known routes. Long-distance activities done independently may not be covered due to lack of support or set routes. |
Excluded | |
| Long Distance Swimming | Excluded | |
| Low Ropes (less than 1m from ground) | Yes | |
| Manual Work Not covered: physical work such as construction, installation, assembly, maintenance, repairs, or use of heavy machinery. |
Excluded | |
| Marathon Des Sables | Excluded | |
| Marathon Running Ultra Marathons are excluded. |
Yes | |
| Martial Arts | Excluded | |
| Model Flying (not pilot or passenger carrying aircraft) | Yes (without cover for personal accident and personal liability) |
|
| Model Sports (model radio controlled cars, aircraft, boats, etc) | Yes (without cover for personal accident and personal liability) |
|
| Modern Pentathlon | Excluded | |
| Motocross | Excluded | |
| Motor Cycle Racing | Excluded | |
| Motor Racing | Excluded | |
| Motor Rallies | Excluded | |
| Motorcycling off road as a rider or passenger | Excluded | |
| Motorcycling on-road as a mode of transport as a passenger or rider, only if the motorcycle or electric motorcycle is under 125cc/11kw. Riders must wear a crash helmet, hold a motorcycle licence for at least 3 years, and have no convictions. |
Yes (without cover for personal accident and personal liability) |
|
| Motorcycling as a rider or passenger on a machine over 125cc | Excluded | |
| Mountain Biking - Downhill/ Competitive/Mega Avalanche | Yes (without cover for personal accident and personal liability) |
|
| Mountain Biking - Recreational (General cross-country, off road cycling) | Yes | |
| Mountain Biking (recreational including general cross country and off road cycling) | Yes | |
| Mountain Boarding (no jumping / racing / tricks) | Excluded | |
| Mountaineering | Excluded | |
| Mountaineering (above 2,500m) | Excluded | |
| Mountaineering (below 2,500m) | Excluded | |
| Mud Buggying | Excluded | |
| Netball | Yes | |
| Non-Manual work Includes roles like admin, clerical, bar and restaurant work, fruit picking (no machinery), musicians, and singers. |
Yes | |
| Octopush | Yes (with Extended Risk Activities add on) | |
| Organised Safari (professionally organised) | Yes | |
| Orienteering | Yes | |
| Outdoor Endurance Events | Excluded | |
| Overland trips | Yes | |
| Paint Balling (eye protection must be worn) | Yes (without cover for personal accident and personal liability) |
|
| Paintballing (wearing eye protection) | Yes (without cover for personal accident and personal liability) |
|
| Parkour | Excluded | |
| Passenger Sledge (horse and carriage) | Yes | |
| Petanque | Yes | |
| Pigeon Racing | Yes | |
| Pilates | Yes | |
| Polo | Excluded | |
| Pony trekking (Covered if not the main purpose of the trip and a helmet is worn) | Yes | |
| Potholing | Excluded | |
| Power Lifting | Excluded | |
| Professional / Semi Professional Sports | Excluded | |
| Professional activity of any kind including competitions and races | Excluded | |
| Professional Entertaining | Excluded | |
| Quad Biking | Excluded | |
| Quoits | Yes | |
| Rackets | Yes | |
| Racquet Ball | Yes | |
| Rambling | Yes | |
| Rap Jumping/Running (within organiser’s guidelines) | Yes (with Extended Risk Activities add on) | |
| Reenacting | Excluded | |
| Reindeer Safari Must be professionally organised and driven by a qualified operator. |
Yes | |
| Reindeer Sleigh Ride Must be professionally organised and driven by a qualified operator. |
Yes | |
| Restaurant Work | Yes | |
| Rickshaw Run | Excluded | |
| Ringos | Yes | |
| Rock Climbing | Excluded | |
| Rock Scrambling | Yes (without cover for personal accident and personal liability) |
|
| Rodeo | Excluded | |
| Roller Derby | Excluded | |
| Roller Hockey | Excluded | |
| Rounders | Yes | |
| Rugby (League/Union/Sevens/Touch) non competitive only | Yes (without cover for personal accident and personal liability) |
|
| Running (non competitive) | Yes | |
| Safari (professionally organised and without guns) | Yes | |
| Safari Trekking in a vehicle (must be organised tour) | Yes | |
| Safari Trekking on foot (must be organised tour) | Yes (with Extended Risk Activities add on) | |
| Sand Buggying | Excluded | |
| Sand Duning | Excluded | |
| Sandboarding | Yes (without cover for personal accident and personal liability) |
|
| Sand Tobogganing | Yes (without cover for personal accident and personal liability) |
|
| Scrambling | Excluded | |
| Segway riding (organised tours only and a safety helmet must be worn) | Yes (without cover for personal accident and personal liability) |
|
| Shinty | Excluded | |
| Shooting - Clay pigeon/ pistol/ small bore/ target rifle (On a range with organisers guidelines) |
Yes (without cover for personal accident and personal liability) |
|
| Shooting not on range (within organiser’s guidelines) | Excluded | |
| Skateboarding (wearing pads and helmets, no tricks, jumping) | Yes (without cover for personal accident and personal liability) |
|
| Skateboarding, Downhill or Competitive | Excluded | |
| Slack-Lining | Excluded | |
| Sledging (pulled by horse or reindeer as a passenger) Must be professionally organised and driven by a qualified operator. |
Yes | |
| Sleigh rides pulled by a horse or reindeer, as a passenger with a professional driver Must be professionally organised and driven by a qualified operator. |
Yes | |
| Snooker | Yes | |
| Snow-fishing | Yes | |
| Snow-mobiling as a passenger with a professional driver Customer must be a passenger and the activity booked with a professional driver. |
Yes (without cover for personal accident and personal liability) |
|
| Softball | Yes | |
| Solo Climbing | Excluded | |
| Solo Mountaineering | Excluded | |
| Speed Trials | Excluded | |
| Speedway | Excluded | |
| Sphereing | Yes (without cover for personal accident and personal liability) |
|
| Squash | Yes | |
| Steeplechasing | Excluded | |
| Stoolball | Yes | |
| Stoopball | Yes | |
| Storm Chasing | Excluded | |
| Street Hockey (wearing pads and helmets) | Excluded | |
| Summer Tobbogganing | Yes (without cover for personal accident and personal liability) |
|
| Table Tennis | Yes | |
| Tae Kwon Do | Excluded | |
| Team Building | Yes (with Extended Risk Activities add on) | |
| Team Games | Yes (without cover for personal accident and personal liability) |
|
| Tennis | Yes | |
| Ten Pin Bowling | Yes | |
| The use of improvised equipment such as mattresses, roof-boxes etc. as vehicles for sliding | Excluded | |
| Theme / Water Park | Yes | |
| Time Trials | Excluded | |
| Tobogganing | Yes | |
| Tombstoning | Excluded | |
| Track days using motorised vehicles | Excluded | |
| Trampolining | Yes | |
| Travelling in any form of ground transport above 4,000m | Excluded | |
| Tree Top Walking | Yes | |
| Triathlon | Yes (with Extended Risk Activities add on) | |
| Tug of war | Yes | |
| Ultimate Frisbee | Yes | |
| Ultra Marathon | Excluded | |
| Vertical House Running | Yes (without cover for personal accident and personal liability) |
|
| Via Ferrata | Excluded | |
| Volunteering (i.e. charity work not working with animals) | Refer | |
| Volunteering (working with animals) | Excluded (In certain circumstances this may be covered, please refer.) | |
| Volleyball | Yes | |
| Wadi Bashing | Yes (without cover for personal accident and personal liability) |
|
| Walking | Yes | |
| Walking up Sydney Harbour Bridge | Yes | |
| War Games (wearing eye protection) | Excluded | |
| Weightlifting | Excluded | |
| Wicker Toboggan | Excluded | |
| Wind Tunnel Flying | Yes | |
| Wrestling | Excluded | |
| Yoga | Yes | |
| Zip lining/wiring | Yes | |
| Zip Trekking | Yes | |
| Zorbing | Yes (without cover for personal accident and personal liability) |
Air-based activities
| Sport/Activity | Covered | Not Covered |
|---|---|---|
| Base Jumping | Excluded | |
| Flying as a passenger (except as a fare paying passenger in a licensed passenger carrying aircraft) | Yes | |
| Flying crew/pilot | Excluded | |
| Flying except as a fare paying passenger in a licenced passenger carrying aircraft | Excluded | |
| Flying Helicopter (Pilot) | Excluded | |
| Gliding | Excluded | |
| Gliding (no cover for crewing or piloting) | Excluded | |
| Hang Gliding | Excluded | |
| Helicopter Ride (only as a fare paying passenger in a licensed passenger carrying aircraft) | Yes (without cover for personal accident and personal liability) |
|
| Hot Air Ballooning (organised pleasure rides only) | Yes (without cover for personal accident and personal liability) |
|
| Micro Lighting | Excluded | |
| Parachute Jumping | Excluded | |
| Parachuting | Excluded | |
| Paragliding | Excluded | |
| Parapenting/Paraponting | Excluded | |
| Para-ponting | Excluded | |
| Parascending over land | Excluded | |
| Parascending over water | Yes (without cover for personal accident and personal liability) |
|
| Power Gliding | Excluded | |
| Power Kiting | Excluded | |
| Sky Surfing | Excluded | |
| Skydiving | Excluded | |
| Tandem Skydive | Excluded |
Water-based activities
| Sport/Activity | Covered | Not Covered |
|---|---|---|
| Bamboo Rafting | Yes | |
| Banana Boating | Yes | |
| Black Water Rafting/Canoeing/Tubing | Yes (with Extended Risk Activities add on) | |
| Board Sailing (wind surfing) | Yes | |
| Body Boarding | Yes | |
| Boogie Boarding | Yes | |
| Breathing Observation Bubble (BOB) Professionally organised and through a reputable company |
Excluded | |
| Canoeing/Kayaking - up to Grade 2 rivers only | Yes | |
| Canoeing/Kayaking (up to grade 3 rivers only) | Yes (without cover for personal accident and personal liability) |
|
| Catamaran Sailing (in-shore and if qualified) | Yes (with Extended Risk Activities add on) | |
| Deep Sea Fishing | Yes | |
| Dinghy Sailing | Yes | |
| Dragon Boat Racing | Excluded | |
| Flotilla Sailing (with professional leader) | Yes (without cover for personal accident and personal liability) |
|
| Fly Boarding | Excluded | |
| Free / High Diving | Excluded | |
| Free Diving | Excluded | |
| Free Swimming (freestyle only) | Yes | |
| Fresh Water/Sea Fishing | Yes | |
| Glass Bottom Boats | Yes | |
| High Diving (over 3 meters) | Excluded | |
| High Diving (pool only) | Yes (with Extended Risk Activities add on) | |
| HobbieCat Sailing | Yes | |
| Hydro Zorbing | Yes (without cover for personal accident and personal liability) |
|
| Hydrospeeding | Excluded | |
| Jet Boating (as a passenger only and no racing) | Yes (without cover for personal accident and personal liability) |
|
| Jet Boating (no racing) | Excluded | |
| Jet Skiing (no racing) Covered if incidental, organised by a professional provider, and safety equipment is worn. |
Yes (without cover for personal accident and personal liability) |
|
| Kayaking (Grade 5 and above) | Excluded | |
| Kayaking (up to grade 4) | Excluded | |
| Kayaking (up to grade 3 rivers only) | Yes (without cover for personal accident and personal liability) |
|
| Kite Boarding on water No cover for damage to the kite. |
Excluded | |
| Kite Surfing No cover for damage to the kite. |
Excluded | |
| Knee boarding | Yes (without cover for personal accident and personal liability) |
|
| Mixed Gas Diving | Excluded | |
| Paddle Boarding | Yes | |
| Pedalo | Yes | |
| RIB Boating Lifejackets must be worn at all times |
Yes (without cover for personal accident and personal liability) |
|
| Powerboat Racing | Excluded | |
| Rafting | Yes | |
| River Bugging | Yes (without cover for personal accident and personal liability) |
|
| River Tubing (up to grade 2 rivers and not through caves) | Yes | |
| River Tubing up to grade 2 only - NOT through caves | Yes | |
| River Walking | Yes | |
| Rowing (except racing) | Yes (without cover for personal accident and personal liability) |
|
| Rowing (no racing) | Yes (without cover for personal accident and personal liability) |
|
| Sailboarding | Yes | |
| Sailing (inland waters or coastal waters within 12 miles of land) | Yes | |
| Sailing outside territorial waters | Excluded | |
| Sailing/Yachting - Racing | Excluded | |
| Sailing/Yachting in-shore -(Recreational, no racing) | Yes | |
| Sailing/Yachting OffShore - (Crewing, no racing) | Excluded | |
| Sailing/Yachting OffShore - (Recreational, no racing) | Excluded | |
| Scuba Diving (down to 30m accompanied by a qualified diver or instructor) | Yes | |
| Scuba Diving down to depth of more than 30 metres | Excluded | |
| Scuba Diving Solo | Excluded | |
| Sea Kayaking | Yes (with Extended Risk Activities add on) | |
| Shark Cage Diving | Excluded | |
| Shark Diving | Excluded | |
| Shark Diving To Swim With And Feed Sharks | Excluded | |
| Snorkelling | Yes | |
| Surfcasting | Yes | |
| Surfing | Yes | |
| Swim Trekking | Yes (without cover for personal accident and personal liability) |
|
| Swimming | Yes | |
| Swimming with dolphins | Yes | |
| Tubing | Yes | |
| Wakeboarding | Yes | |
| Wakesurfing | Yes (without cover for personal accident and personal liability) |
|
| Water Polo | Yes | |
| Water Ski Jumping | Excluded | |
| Water Skiing | Yes | |
| Water Skiing (no jumping) | Yes | |
| Whale Watching | Yes | |
| White Water Rafting (grade 4 and above) | Excluded | |
| White Water Rafting (up to grade 3 within organiser’s guidelines) | Yes (with Extended Risk Activities add on) | |
| Windsurfing / Windfoiling | Yes | |
| Wingfoiling | Yes (without cover for personal accident and personal liability) |
Winter sport activities
| Sport/Activity | Covered | Not Covered |
|---|---|---|
| Acroski (ski-ballet) | Yes (with Winter Sports add on) | |
| Aerials / kickers skiing within a Terrain Park | Excluded | |
| Any form of power assisted skiing or the use of mechanized snow mobiles Allowed if operated by official piste authorities for transport to designated ski areas. |
Excluded | |
| Biathlon | Yes (with Winter Sports add on) | |
| Bigfoot skiing | Yes (with Winter Sports add on) | |
| Bobsleigh | Excluded | |
| Boardercross | Excluded | |
| Cat skiing | Excluded | |
| Downhill or super giant-slalom (“Super G”) racing or race-training | Excluded | |
| Dry-slope skiing | Yes (with Winter Sports add on) | |
| Glacier skiing within marked areas | Yes (with Winter Sports add on) | |
| Glacier Walking outside marked areas | Excluded | |
| Glacier walking within marked areas | Yes (with Winter Sports add on) | |
| Half-pipe skiing within a Terrain Park | Excluded | |
| Heli-skiing with a professional guide | Excluded | |
| Kite-skiing | Excluded | |
| Langlauf / cross country / Nordic walking | Yes (with Winter Sports add on) | |
| Luge | Excluded | |
| Luging/Bobsleigh | Excluded | |
| Mogul racing or race-training (limited to 7 days racing in the Policy Period ) | Excluded | |
| Moguls | Excluded | |
| Mono-skiing | Yes (with Winter Sports add on) | |
| Sit-skiing, skiing with outriggers and use of other (non-mechanised) equipment for the disabled | Yes (with Winter Sports add on) | |
| Skeleton | Excluded | |
| Ski acrobatics | Excluded | |
| Ski biking | Yes (with Winter Sports add on) | |
| Ski bob racing | Excluded | |
| Ski mountaineering | Excluded | |
| Skiing Freeride | Excluded | |
| Ski race training (slalom or giant slalom only) | Excluded | |
| Ski racing (slalom or giant slalom only and limited to 7 days racing in the Policy Period) | Excluded | |
| Ski touring (ski randonee) without a professional guide | Excluded | |
| Ski touring (ski randonee) with a professional guide | Excluded | |
| Ski-cross outside of Europe | Excluded | |
| Ski-cross within Europe | Excluded | |
| Skiing Off-piste outside resort boundaries | Excluded | |
| Skiing Off-piste within resort boundaries | Yes (with Winter Sports add on) | |
| Skiing On-piste | Yes (with Winter Sports add on) | |
| Ski-jumping or ski-flying | Excluded | |
| Slopestyle skiing within a Terrain Park | Excluded | |
| Snow dome (indoor skiing on snow; NOT dry-slope) | Yes (with Winter Sports add on) | |
| Snow-blading | Yes (with Winter Sports add on) | |
| Snow-kiting | Excluded | |
| Snow-rafting, snow-boating or snow-kayaking | Excluded | |
| Snow-shoeing | Yes (with Winter Sports add on) | |
| Snow parks | Excluded | |
| Speed skating | Yes (with Winter Sports add on) | |
| Speed skiing | Excluded | |
| Telemark skiing | Yes (with Winter Sports add on) |
To put it simply
'Yes' - Your activity is covered!
'Refer' - Only certain circumstances will be covered, please call up to check.
'Excluded' - We do not provide cover for this activity and any claims relating to it.
'Without cover for personal accident and Personal Liability' - You are covered for this activity but will not entitled to any benefit payable under the Personal Accident and personal liability section.
'With Extended Risk Activities add on' - This activity is covered, provided you have purchased the Extended Risk Activities add on.
'With Winter Sports add on' - This activity is covered, provided you have purchased the Winter Sports add on.
An additional premium per person will apply for Extended Risk Activities and Winter Sports Add On.
Please read your policy documents for full information on what's covered.
Just ask
Activity list correct as of May 2025