|
Activity
|
Declare to Downunder
|
Additional Premium
|
Cover under Personal Accident & Personal Liability
|
Medical Excess
|
Activity
|
Declare to Downunder
|
Additional Premium
|
Cover under Personal Accident and Personal Liability
|
Medical Excess
|
|
3 Bungee Jumps
|
no
|
no
|
yes
|
standard
|
Paint balling (wearing eye protection)
|
no
|
no
|
no
|
standard
|
|
Abseiling
|
no
|
no
|
no
|
standard
|
Parachuting
|
yes
|
yes
|
no
|
£300
|
|
American Football
|
yes
|
yes
|
no
|
£300
|
Paragliding
|
yes
|
yes
|
no
|
£300
|
|
Archery
|
no
|
no
|
yes
|
standard
|
Parascending (over land)
|
yes
|
yes
|
no
|
£300
|
|
Badminton
|
no
|
no
|
yes
|
standard
|
Parascending (over water)
|
no
|
no
|
yes
|
standard
|
|
Baseball
|
no
|
no
|
yes
|
standard
|
Passenger (in private/small aircraft or helicopter)
|
no
|
no
|
no
|
standard
|
|
Basketball
|
no
|
no
|
yes
|
standard
|
Rambling
|
no
|
no
|
yes
|
standard
|
|
BMX Riding
|
no
|
no
|
no
|
standard
|
Rock Climbing (not mountaineering)
|
yes
|
yes
|
no
|
£500
|
|
Boxing Training
|
no
|
no
|
no
|
standard
|
Rock Scrambling
|
yes
|
yes
|
no
|
£500
|
|
Camel/Elephant Riding or Trekking
|
no
|
no
|
no
|
standard
|
Roller Blading (Inline Skating/Skate Boarding)
|
no
|
no
|
yes
|
standard
|
|
Canoeing
|
no
|
no
|
yes
|
standard
|
Rowing
|
no
|
no
|
no
|
standard
|
|
Canopy/Tree Top Walking
|
no
|
no
|
no
|
standard
|
Rugby
|
no
|
no
|
no
|
standard
|
|
Cliff Walking/Jumping
|
yes
|
yes
|
no
|
£500
|
Running (Sprint & Long Distance)
|
no
|
no
|
yes
|
standard
|
|
Conservation or charity work (educational and environmental – working with hand tools only)
|
no
|
no
|
no
|
standard
|
Safari
|
no
|
no
|
yes
|
standard
|
|
Cricket
|
no
|
no
|
yes
|
standard
|
Sandboarding
|
no
|
no
|
yes
|
standard
|
|
Cycle Touring
|
no
|
no
|
no
|
standard
|
Sand Yachting
|
yes
|
yes
|
no
|
£300
|
|
Cycling
|
no
|
no
|
yes
|
standard
|
Scuba Diving (qualified or diving with a qualified instructor, max depth 30 metres) up to 14 days
|
no
|
no
|
yes
|
standard
|
|
Dragon Boating
|
no
|
no
|
no
|
standard
|
Scuba Diving (qualified or diving with a qualified instructor, max depth 30 metres) over 14 days
|
yes
|
yes
|
yes
|
£300
|
|
Flying (piloting a private/small aircraft or helicopter)
|
yes
|
yes
|
no
|
standard
|
Scuba Diving (qualified or diving with a qualified instructor, max depth 50 metres) up to 14 days
|
no
|
no
|
yes
|
standard
|
|
Football
|
no
|
no
|
no
|
standard
|
Scuba Diving (qualified or diving with a qualified instructor, max depth 50 metres) over 14 days
|
yes
|
yes
|
yes
|
£300
|
|
Gliding
|
yes
|
yes
|
no
|
£300
|
Sea Canoeing
|
no
|
no
|
no
|
standard
|
|
Go Karting
|
no
|
no
|
no
|
standard
|
Sea Kayaking
|
no
|
no
|
no
|
standard
|
|
Golf
|
no
|
no
|
yes
|
standard
|
Shark Diving (inside a cage)
|
yes
|
yes
|
no
|
£300
|
|
Gorge Walking
|
yes
|
yes
|
no
|
£500
|
Sky Diving
|
yes
|
yes
|
no
|
£300
|
|
Hang-Gliding
|
yes
|
yes
|
no
|
£500
|
Snorkelling
|
no
|
no
|
yes
|
standard
|
|
High Diving
|
yes
|
yes
|
no
|
£500
|
Squash
|
no
|
no
|
yes
|
standard
|
|
Hiking (over 2,000 metres but under 6,000 metres altitude)
|
no
|
no
|
no
|
standard
|
Surfing (up to 14 days)
|
no
|
no
|
yes
|
standard
|
|
Hockey
|
no
|
no
|
no
|
standard
|
Surfing (over 14 days)
|
no
|
no
|
no
|
standard
|
|
Horse Riding (no Polo, Hunting, Jumping)
|
no
|
no
|
no
|
standard
|
Swimming
|
no
|
no
|
yes
|
standard
|
|
Hot-Air Ballooning
|
no
|
no
|
no
|
standard
|
Tall ship crewing
|
yes
|
yes
|
no
|
£300
|
|
Hot-Dogging
|
yes
|
yes
|
no
|
£300
|
Tennis
|
no
|
no
|
yes
|
standard
|
|
Hydro Sledding
|
yes
|
yes
|
no
|
£300
|
Trekking (over 2,000 metres but under 6,000 metres altitude)
|
no
|
no
|
no
|
standard
|
|
Jet Boating
|
no
|
no
|
no
|
standard
|
Trekking (under 2,000 metres altitude)
|
no
|
no
|
yes
|
standard
|
|
Jet Skiing
|
no
|
no
|
no
|
standard
|
Triathlons
|
no
|
no
|
yes
|
standard
|
|
Jogging
|
no
|
no
|
yes
|
standard
|
Via Ferrata
|
yes
|
yes
|
no
|
£500
|
|
Kayaking
|
no
|
no
|
no
|
standard
|
Volleyball
|
no
|
no
|
yes
|
standard
|
|
Kite Surfing
|
yes
|
yes
|
no
|
£300
|
Water Polo
|
no
|
no
|
yes
|
standard
|
|
Manual Labour (at ground level, no machinery)
|
no
|
no
|
no
|
£300
|
Water Skiing
|
no
|
no
|
yes
|
standard
|
|
Marathons
|
no
|
no
|
yes
|
standard
|
White/Black Water Rafting or Kayaking (Grades 1-4)
|
no
|
no
|
yes
|
standard
|
|
Martial Arts (training only)
|
yes
|
yes
|
no
|
standard
|
White/Black Water Rafting or Kayaking (Grade 5)
|
yes
|
yes
|
no
|
£500
|
|
Motorcycling (over 125cc) - no racing
|
yes
|
yes
|
no
|
standard
|
Windsurfing and Yachting (racing or crewing) inside territorial waters
|
no
|
no
|
yes
|
standard
|
|
Motorcycling (under 125cc - no racing)
|
no
|
no
|
no
|
standard
|
Yachting (racing or crewing) outside territorial waters
|
yes
|
yes
|
no
|
£300
|
|
Mountain Biking
|
no
|
no
|
no
|
standard
|
Zip lining
|
no
|
no
|
no
|
standard
|
|
Netball
|
no
|
no
|
yes
|
standard
|
Zorbing
|
no
|
no
|
no
|
standard
|
|
Orienteering
|
no
|
no
|
yes
|
standard
|
|
|
|
|