Additional Sports & Activities

When arranging travel insurance, it’s important to consider not just where you’re going, but what you’ll be doing when you get there. While many policies include a wide range of low-risk holiday activities as standard, others (particularly those involving a greater degree of risk) may require additional cover.

Most travel insurance policies will cover a selection of everyday holiday activities without the need for an add-on. These typically include:

Bear in mind that the above list isn't exhaustive! We can offer hundreds of activities as standard.

However, activities that present a higher level of risk - whether due to physical challenge, specialist equipment, or environmental conditions - may not be included unless specifically selected as part of an activity pack or optional add-on. These could include:

• White water rafting
• Mountaineering or scrambling
• Horse riding or trekking
• Scuba diving below standard depth limits
• Motorcycling
• Zip lining

Most policies split activities into tiered “packs” (e.g. Activity Pack 1, 2, 3, etc.), with each level covering a broader or riskier selection. The quote process will usually allow you to review and select the relevant pack based on your itinerary. If you engage in an activity without selecting the appropriate pack, claims may be declined.

In summary, if your holiday plans include more than just relaxing by the pool, it’s vital to ensure your insurance policy aligns with your activities. Always check the policy wording and activity list carefully, and upgrade your cover where necessary. This ensures you’re fully protected—whatever your itinerary includes.