Activities We Cover

Subject to the general exclusions and relevant exclusions under each section of the policy. The following Level 1 incidental, recreational, nonprofessional (amateur) and non-competitive activities are automatically covered. Please note the specific exclusions applying to some activities under Section I - Personal Liability. To establish if cover can be provided for any professional, competitive activities please refer to Campbell Irvine for a quotation, as an additional premium may be payable. 0204 599 4660

For details of Level 2 & 3 activities, please refer to pages 41/42 of the Policy Wording.

NOTE: No Personal Liability cover (Section I) if using a motorcycle, jet-ski or boat etc. You will need to ensure that separate motor/marine insurance is in place from the company the client is hiring from.


Cross country skiing, snowboarding, mono skiing, skiing, snow sledging, skidooing and sleigh rides. Skiing and snowboarding off-piste is covered provided you are skiing within the boundaries of a recognised resort area designed for public use and are not skiing in areas marked out of bounds or hazardous by the piste authorities. Heli skiing is only covered as part of a pre-paid excursion led by professional guides. Tobogganing and snowmobiling are covered under Sections A, B & C but we will not cover any claims under any other section resulting from any bodily injury or damage to property that may arise from Your use of sledges, skidoos or powered vehicles of any kind. No cover is provided for any form of ski racing, ski jumping, ice hockey or any other extreme hazardous sports not specifically listed above.

  • Archery
  • Badminton
  • Baseball
  • Basketball
  • Beach Games
  • Bungee Jump (1)
  • Camel/Elephant Riding
  • Canoeing (up to Grade 3)
  • Clay Pigeon Shooting
  • Cricket
  • Cycling

    Other than specified in Grade 2 Hazardous Activities (please see policy wording for full details).

  • Dinghy Sailing
  • Fell Walking
  • Fencing
  • Fishing
  • Football
  • Golf
  • Hiking (under 2000m altitude)
  • Hockey
  • Horse Riding

    Up to 7 days, no polo, no hunting, no jumping.

  • Jet Boating
  • Jogging
  • Manual Work

    Bar and restaurant, waitress, waiter, chalet, maids, au pair, nannies, occasional light manual work including retail work and fruit picking but excluding the use of power tools and machinery

  • Marathon Running
  • Motorcycling up to 50cc

    Wearing a crash helmet, no racing.

  • Netball
  • Non Manual Work

    Including professional, administrative, or clerical duties only.

  • Orienteering
  • Outwardbound Pursuits
  • Paintballing
  • Parascending/Parasailing (over water)
  • Pony Trekking
  • Racquetball
  • Rambling
  • River Canoeing up to Grade 3
  • Roller Blading
  • Roller Skating
  • Rounders
  • Rowing
  • Running - sprint/long distance
  • Safari (UK organised)
  • Sail Boarding
  • Sailing within Territorial Waters
  • Scuba Diving

    Up to 30m if adequately supervised with a qualified instructor. Please see policy wording for full details.

  • Skateboarding
  • Snorkelling
  • Squash
  • Surfing (amateur, under 14 days)
  • Tennis
  • Tour Operator Safari
  • Track Events
  • Trekking (under 2000m altitude)
  • Volleyball
  • War Games
  • Water Polo
  • Water Skiing
  • Windsurfing
  • Yachting (racing/crewing within territorial waters)