If you intend to participate in activities and sports on your trip you should ensure that you understand what you will be covered for and what you will not.
You will be covered whilst participating in tourist activities if they can be undertaken without age restriction, specific training or requiring specialised equipment (including those activities with height or general health warnings, e.g. whale watching).
There is also cover for tourist activities provided by a recognised tour operator or commercial operator providing that you are acting under the guidance and supervision of qualified guides/ instructors, where relevant, whilst carrying out such activities (e.g. theme park rides or bungee jumping).
You need to be aware of the following general exclusions:
General exclusion 10 excludes any claim that arises from you or your travel companion not taking all reasonable efforts or Your carelessness, negligence or recklessness avoiding Your Accidental Injury.
General exclusion 18 is related to air travel which means we exclude claims directly or indirectly related to activities and sport that involve air travel to participate in such as gliding or sky diving (but not hot air ballooning when carried out by a licensed operator).
General exclusion 23 excludes any claim that arises directly or indirectly due to you participating in:
Mountaineering means the ascent or descent of a mountain ordinarily necessitating the use of specified equipment including but not limited to crampons, pickaxes, anchors, bolts, carabineers and lead-rope or top-rope anchoring equipment.
Extreme Sports and Sporting Activities means any sports or sporting activities that present a high level of inherent danger (i.e. involve a high level of expertise, exceptional physical exertion, highly specialised gear or stunts).
By way of example, this means that:
In addition you may be offered the option to add-on a benefit pack that removes the associated activity exclusion and extend cover to include:
Included sports and/or activities:
Included sports and/or activities (but not when Backcountry/Off-piste where relevant):