Insured Activities

Standard Holiday Activities

Our Holiday Insurance includes cover for the following activities automatically, provided these are not the main purpose of your trip. You must choose our Sports and Activities option if any sport or activity is to be the main focus, or a significant proportion, of a trip (i.e. greater than 50%).

IF YOU ARE TAKING PART IN AN ORGANISED SPORTS TRIP OR TOUR YOU ARE NOT ABLE TO BUY THIS POLICY.
IF YOU ARE TAKING PART IN WINTER SPORTS, YOU MUST CHOOSE THE SPORTS AND ACTIVITIES OPTION AND PAY THE ADDITIONAL PREMIUM TO BE COVERED.

If you are planning to do any sports and activities not listed as Standard Holiday Activities, you can insure the sports and activities listed under Sports and Activities by selecting the Sports and Activities option when you buy.

If an activity is not listed below, then this insurance WILL NOT COVER that activity.

The activities in bold in both lists must be organised or provided by a recognised official provider.

Standard Holiday Activities
(always covered)

Any activity or non-contact sport which:
you would not normally pay for and which requires no specialist equipment or training; or
would not expose you to significant risk.

You are also covered for the following activities:
Aerobics
Archery **
Badminton
Bankshot
Baseball
Basketball
Beach Games
Boat Tours (inland or coastal waters only)
Bocce
Body Boarding
Boomerang**
Bowls
Camel riding (less than 2 days)**
Canoeing (inland excluding white water)
Carriage or Hay or Sleigh rides (passenger only)
Clay pigeon Shooting***
Cricket
Croquet
Curling
Cycling (see also Mountain Biking)
Deep Sea Fishing (passenger only; not commercial or competition)
Dinghy Sailing (inland or coastal waters only)**
Dragon Boating
Dressage
Elephant riding (less than 2 days)**
Falconry**
Fell walking
Fencing
Fishing
Football (not competitive)
Glacier walking (under 2,000 metres)
Go-karting**
Golf
Handball
Heptathlon
Hiking (under 2,000 metres high - no guides or ropes)
Horse riding or hacking (no polo, hunting or jumping)
Hot Air Ballooning (passenger only)
Ice Skating (rink only)
Jeep Safaris (passenger only)
Jet Boating (passenger only)
Jet Skiing**
Jogging Kayak Polo
Kayaking (inland excluding white water)
Land sailing
Laser Games
Maxi-Basketball
Mini-basketball
Motor cycling up to 50cc (wearing a crash helmet)**
Mountain Biking (on road)
Netball 
Orienteering
Paddleball
Paintballing**
Parasailing (over water only)
Parascending (over water only)
Pony Trekking
Racquetball
Rafting (Not White water)
Rambling
Roller Blading
Roller Skating
Rounders
Rowing
Running
Safaris/ Gorilla tours
Sail boarding**
Sailing (inland/coastal only)
Scuba Diving to 18 meters (if PADI qualified or under supervision of a PADI qualified instructor)***
Skateboarding
Snooker Pool and Billiards
Snorkelling
Softball
Squash
Surfing*
Swimming
Swimming with Dolphins
Table tennis
Tai Chi
Tennis
Trekking on foot (under 2,000 metres high)
Tug of War
Underwater Hockey
Volleyball
Water Polo
Waterfall walking
Water skiing**
Windsurfing**
Yachting inside territorial waters**

Sports & Activities
(only covered if you choose the Sports and Activities option)

An increased medical excess of £ 150 applies to all these activities.

Abseiling *
Bungee Jumps (maximum 2 jumps)*
Camel Riding (more than 2 days)*
Canoeing (whitewater)*
Elephant Trekking (more than 2 days)*
Fell Running
Figure Skating
Flying as a passenger in an unlicensed Aircraft*
Gliding (with an Instructor, or qualified)***
Hang gliding***
Hiking (over 2,000 metres but under 6,000 metres high)
Ice Skating (other than ice rink skating)*
Jet Boating***
Lapland Trip
Martial Arts (not competitive)*
Mountain Biking (off road)*
Rifle Range**
Sailing Outside territorial waters***
Scuba Diving to 30 meters (PADI Qualified or under supervision of a PADI qualified instructor)
Sea Kayaking*
Snow Mobiling***
Trail Riding
Trail Running
Triathlon
Trekking on foot (over 2,000 metres but under 6,000 metres high)*
War Games/re-enactment***
Winter Sports (see full definition below)
White water rafting* or kayaking*
Yachting outside territorial waters***
Zip Lining

Winter Sports (only covered if you choose the Sports and Activities option)
An increased medical excess of £ 150 applies to all these activities.
Skiing on-piste (and off-piste when accompanied by or under the instruction of a qualified local guide), tobogganing and snow boarding (except competitive snow boarding).

Please note the following important conditions always apply:-

• You must not undertake any activity if your GP or other medical specialist would advise against it, or your state of fitness and health would make such an activity unwise.
• No sports or activities are covered in a professional capacity, or if you are receiving any financial reward or gain.
• No sports or activities are covered if you are competing in or practising for speed or time trials, sprints or racing of any kind.
• You must wear the recommended/recognised Safety Equipment for each listed activity.
• You must follow any safety procedures, rules and regulations that the company providing your activity operates or which are recommended by any governing body or authority for that activity.
• Cover for Search and Rescue costs is recommended for some activities (e.g. hiking, yachting outside territorial waters). ACE provides a benefit of £ 5,000, but recommends that you check that this limit is enough for you.

We have categorised the activities by risk and indicated the Medical Excess that would apply in each case.

We have used Asterisks to indicate for all categories below where for a specific activity, a particular cover is not offered under this policy. These are as follows:-

	*	=	Excludes Personal Accident Cover
	**	=	Excludes Personal Liability Cover
	***	=	Excludes both Personal Accident Cover and Personal Liability Cover