Hazardous Activities

Please Note: Any activity not listed below (or any of the below sports on a professional basis), which can be considered to be a hazardous activity, sport, pastime or employment(involving an increased risk of injury) will NOT be covered under the policy UNLESS declared to, and accepted by Downunder at the time of taking out the policy in return for additional premium and/or changes in cover. Any activities for which cover has been agreed (except those which do not require declaration as per the table below) will be outlined on an endorsement which accompanies or appears on your Insurance Validation Document. Where applicable, your activity should only be performed if conducted under the supervision of a qualified guide or organisation, with all relevant local safety requirements being observed and the relevant safety equipment being utilised.

Activity	Declaration/Payment Required	Personal Accident/Liability Cover	Section 3a – Medical & Other Excess/Maximum Payable	Activity	Declaration/Payment Required	Personal Accident/Liability Cover	Section 3a – Medical & Other Excess/Maximum Payable
3 Bungee Jumps	no	yes	standard	Motorcycling (over 125cc) -no racing	yes	no	standard
Abseiling	no	no	standard	Motorcycling (under 125cc -no racing)	no	no	standard
American Football	yes	no	$500 / $350,000	Mountain Biking	no	no	standard
Archery	no	yes	standard	Netball	no	yes	standard
Badminton	no	yes	standard	Orienteering	no	yes	standard
Baseball	no	yes	standard	Parachuting	yes	no	$500 / $350,000
Basketball	no	yes	standard	Paragliding	yes	no	$500 / $350,000
BMX Riding	no	no	standard	Parasailing	no	yes	standard
Boxing Training	no	no	standard	Parascending (over land)	yes	no	$500 / $350,000
Camel Riding/Trekking	no	no	standard	Parascending (over water)	no	yes	standard
Canoeing	no	yes	standard	Rambling	no	yes	standard
Canopy/Tree Top Walking	no	no	standard	Rock Climbing (not Mountaineering)	yes	no	$750 / $350,000
Canyoning	yes	no	$750 / $350,000	Rock Scrambling	yes	no	$750 / $350,000
Cliff Walking/Jumping	yes	no	$750 / $350,000	Roller Blading	no	yes	standard
Cricket	no	yes	standard	Rugby	no	no	standard
Cycle Touring	no	no	standard	Running (Sprint & Long Distance)	no	yes	standard
Cycling	no	yes	standard	Safari	no	yes	standard
Elephant Riding/Trekking	no	no	standard	Sandboarding	no	yes	standard
Flying a private/small aircraft or helicopter	yes	no	standard	Sand Yachting yes no $500 / $350,000	yes	no	$500 / $350,000
Flying as a passenger in a private/small aircraft or helicopter	no	no	standard	Scuba Diving qualified or diving with a qualified instructor, max depth 40 metres, up to 14 days	no	yes	standard
Football (Soccer)	no	no	standard	Scuba Diving qualified or diving with a qualified instructor max depth 40 metres, over 14 days	yes	no	$500 / $350,000
Gliding	yes	no	$500 / $350,000	Sea Canoeing	no	no	standard
Go Karting	no	no	standard	Sea Kayaking	no	no	standard
Golf	no	yes	standard	Shark Diving (inside a cage)	yes	no	$500 / $350,000
Gorge Walking	yes	no	$750 / $350,000	Skateboarding no yes standard	no	yes	standard
Hang-Gliding	yes	no	$750 / $350,000	Sky Diving	yes	no	$500 / $350,000
High Diving	yes	no	$750 / $350,000	Snorkelling	no	yes	standard
Hiking under 2,000 metres altitude	no	yes	standard	Squash	no	yes	standard
Hiking over 2,000 metres but under 6,000 metres altitude	no	no	standard	Surfing(>=14 days)	no	yes	standard
Hockey	no	no	standard	Surfing(<14 days)	no	no	standard
Horse Jumping (no Polo/Hunting)	yes	no	$750 / $350,000	Swimming	no	yes	standard
Horse Riding, no Polo, Hunting or Jumping, under 7 days	no	no	standard	Tennis	no	yes	standard
Horse Riding, no Polo, Hunting or Jumping, over 7 days	yes	no	standard	Trekking under 2,000 metres altitude	no	yes	standard
Hot-Air Ballooning	no	no	standard	Trekking over 2,000 but under 6,000 metres altitude	no	no	standard
Hot-Dogging	yes	no	$500 / $350,000	Triathlons	no	yes	standard
Hydro Sledding	yes	no	$500 / $350,000	Via Ferrata	yes	no	$750 / $350,000
Jet Boating	no	no	standard	Volleyball	no	yes	standard
Jet Skiing	no	no	standard	Water Polo	no	yes	standard
Jogging	no	yes	standard	Water Skiing	no	yes	standard
Kayaking	no	no	standard	White/Black Water Rafting or Kayaking I grades 1-4	no	yes	standard
Kite Surfing	yes	no	$500 / $350,000	White/Black Water Rafting or Kayaking II grades 5-6	yes	no	$500 / $350,000
Manual Labour -construction or building work at ground level. No work with heavy machinery.	yes	no	$500 / $350,000	Windsurfing or Yachting inside territorial waters	no	yes	standard
Marathons no yes standard	no	yes	standard	Wintersports (as defined)*	yes	no	$500
Martial Arts (training only)	yes	no	standard	Yachting outside territorial waters	yes	no	$500 / $350,000
Micro Lighting	yes	no	$750 / $350,000	Zorbing	no	no	standard

* Where an Annual Multi-Trip or Wintersports Policy is purchased the Personal Accident and Personal Liability Sections are not deleted and the standard Excess applies.