Activity levels

Max Adventure

Bike sports

  • 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)
  • Fat biking on snow/ski trails
  • Mountain biking - cross country (forest paths, tracks etc)
  • Mountain biking - trail riding (inc.lift accessed ski runs)
  • Triathlon amateur events (road races)

General sports/general travel

  • 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
  • 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)

Mountain sports

  • Abseiling
  • Big wall climbing (multi pitch/multi day ascents)
  • Bouldering
  • 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)
  • 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)
  • 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)
  • Via ferrata

Water sports

  • 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)
  • 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.

Winter sports

  • 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)
  • Heli skiing and snowcat skiing
  • Ice skating (recreational as part of a winter sports holiday)
  • 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
  • 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)