Activity levels

Extreme Adventure

Cycle touring (tarmac roads)
Cycle touring - amateur event road racing
Cycle touring (high altitude alpine passes tarmac roads)
Cycle touring (off road tracks or gravel roads)
Cycle touring (long distance endurance events)
Cycle touring (long distance endurance events off road tracks or gravel roads)
Fat biking on snow/ski trails
Iron man amateur events
Mountain biking - cross country (forest paths, tracks etc)
Mountain biking - cross country and trail riding only amateur competitive events
Mountain biking - trail riding (inc.lift accessed ski runs)
Mountain biking - enduro and downhill (DH) (recreational holiday non-competition riding)
Triathlon amateur events (road races)
Triathlon amateur events (off road races)

Backpacking
Beach holidays
Bungee jumping (professionally organised holiday excursions only)
Camel desert safaris
City breaks
Cheerleader amateur competitions
Cruises
Dance holidays and competitions (not involving gymnastics)
Dance holidays and competitions (involving gymnastics)
Fishing (fly/coarse/beach/pier)
Fishing (sea fishing within coastal waters 12 miles from shore)
Go karting (as a part of an organised holiday activity package, excludes liability insurance for motorised vehicles)
Golf
Horse riding/pony trekking
Jogging (non-competitive running)
Motor cycle touring (tarmac roads only)
Non contact miscellaneous sports
Non manual business travel
Non manual voluntary or charity work
Obstacle racing (amateur events only)
Quad biking (as a part of an organised holiday activity package, excludes liability insurance for motorised vehicles)
Running races including amateur marathons
Safari
Yoga, Meditation and Art retreats
Zip lining (as a part of an organised holiday activity)

Abseiling
Alpine mountaineering upto 5000 meters (Europe only)
Big wall climbing (multi pitch/multi day ascents)
Bouldering
Deep water soloing (on previously climbed areas designated as suitable for deep water solo climbing)
Fell running
Glacial crossing/trekking
Hill walking in summer conditions (e.g. Tour de Mont Blanc, Hut to Hut tours)
Hill walking or snow shoeing in winter conditions (e.g. in snow or ice where crampons and ropes might be used)
Ice climbing
Mountain marathons
Multi pitch rock climbing (where leader placed protection is involved)
Orienteering
Pot Holing and Caving (in previously explored systems where there is organised local cave rescue)
Pot Holing and Caving (exploratory systems where there is organised local cave rescue)
Scrambling
Single pitch and/or bolted sport climbing (inc.permanently bolted multi pitches)
Sport climbing (involving permanent fixed anchors)
Trad climbing (Traditional multi pitch climbing involving leader placed protection)
Trekking below 4000m in the greater ranges
Trekking upto 6000m in the greater ranges excluding Nepal (eg, Inca Trail, Kilimanjaro)
Trekking in Nepal (any trekking peaks below 7000m including Everest Base Camp)
Via ferrata

Black water rafting (organised guided trips only)
Canadian canoeing on lakes or flat water
Canoeing on lakes or flat water
Canyoning and coasteering
Cave diving
Coastal sailing/yachting (within 12 miles of the shore)
Dinghy sailing
Dinghy racing (amateur events only)
Flotilla sailing
Freediving (as a part of an organised course/activity)
Hydro speeding
Jet skiing (as a part of an organised holiday activity package, excludes liability insurance for motorised vehicles)
Kite surfing/foiling
Paddle boarding
River boarding
River wilderness canoeing (guided trips)
Rowing (including amateur events)
Sailing regattas (organised amateur events only)
Scuba diving to 40 meters (subject to qualification or undertaking a recognised course)
Scuba diving to depths exceeding 40 meters (subject to qualification or undertaking a recognised course)
Sea and surf kayaking
Sea kayaking (multi day excursions)
Sea kayaking (remote location expeditions - please refer details of trip for agreement)
Snorkelling
Surfing
Swimming - amateur open water events
Swimming - amateur winter open water events
Swimming treks (organised and professionally supported)
Tall ship sailing (as crew with a professionally organised company)
Wake boarding and water skiing
Windsurfing/foiling
Windsurfing - amateur races and competitions
Wing surfing/foiling
White water kayaking up to grade 3
White water kayaking up to grade 5
White water rafting up to grade 3
White water rafting up to grade 5
Yachting within 60 miles of a safe haven.

Cross country langlauf skiing (on marked resort trails only)
Cross country langlauf skiing (away from resort trails)
Cross country langlauf ski marathon events (amateur)
Dog sledging (recreational day trips only, excluding exploratory or polar expeditions)
Dog sledging (guided multi-night trips, excluding exploratory or polar expeditions)
Heli skiing and snowcat skiing
Ice skating (recreational as part of a winter sports holiday)
Pipe and park freestyle skiing and snowboarding (excluding competitions)
Skiing - on and off piste with or without a guide
Ski-biking and ski bobbing (non-motorised, on piste only)
Ski touring (ascending using skins) - back country skiing or snowboarding, skidoo, snowcat or helicopter skiing
Ski touring (pulling pulks) - commercially guided tours only
Ski mountaineering - alpine ascents using mountaineering equipment (European destinations only)
Snowboarding - on and off piste with or without a guide
Snowmobiling (as a part of an organised holiday activity package, excludes liability insurance for motorised vehicles)
Snow shoeing away from marked resort trails
Snow shoeing on marked resort trails
Split boarding - back country touring
Telemark skiing - on and off piste with or without a guide on marked resort runs and unpisted trails on resort ski area maps
Tobogganing (as an organised holiday activity)