Sports and other Activities


Coverwise policies provide cover for you to participate in over 100 sports and activities as standard whilst on your trip. This enables you to get the most out of your holiday in the knowledge that you are properly protected in the event of a claim as long as you comply with local laws and regulations, as well as using the recommended safety equipment (such as helmets, harness, knee and/or elbow pads).


If you select and pay for a winter sports policy you will also be covered for an extensive list of winter sport activities, including off piste skiing and snowboarding without the need for a guide unless outside the defined boundaries of a resort within the United States of America or Canada, cat skiing and non FIS ski racing.


Please note that personal liability and personal accident cover is excluded from sports and activities marked with a * on both the sports and activities covered as standard and those covered if the winter sports premium has been paid.


Please also be aware that there is no cover for your participation in or practice of any professional sport or your participation at a training camp designed specifically to enhance your performance and/or endurance in a sport or activity that you take part in on a non-professional basis but at a National Standard.

Sports and activities covered as standard


  • Abseiling (when adequately supervised)*
  • Archery*
  • Badminton
  • Bamboo Rafting (up to grade 2 rivers only with adequate safety equipment provided)
  • Banana Boating
  • Baseball
  • Basket Ball
  • Beach Games
  • Blowcarting*
  • Bouldering (using crash pads where appropriate)
  • Bowls
  • Bungee Jumping (when adequately supervised)
  • Camel Riding*
  • Canoeing (up to grade 2 rivers only)
  • Catamaran *
  • Clay Pigeon Shoot*
  • Climbing (on a climbing wall only)
  • Cricket
  • Cycling*
  • Deep Sea Fishing
  • Dinghy Sailing*
  • Dragon Boat racing (non-professional)*
  • Elephant riding/trekking (on a professionally organised trek with experienced handlers)
  • Fell Running
  • Fell Walking
  • Fishing
  • Football/Soccer
  • Flying in an aircraft (as a fare paying passenger)
  • Glass Bottom Boats/Bubbles
  • Gliding (as a passenger only)
  • Go Karting (when adequately supervised)*
  • Golf
  • Gorilla Trekking (organised)
  • Gymnastics
  • Heptathlon
  • Hiking/Trekking/High level walking up to 3000 metres above sea level
  • Hitchhiking (organised groups of adults with support, emergency contacts and at least one male per group) in countries where this is legal
  • Horse Riding/Trekking/Hacking (non-competitive)
  • Hot Air Ballooning (organised pleasure rides)
  • Hydrospeeding (taking appropriate safety measures)
  • Hydro Zorbing
  • Ice Skating
  • Indoor Climbing (on climbing wall)
  • Indoor Skating (pads and helmets must be worn)
  • Javelin Throwing
  • Jet Boating (no cover for racing)*
  • Jet Skiing (no cover for racing)*
  • Jogging
  • Kayaking (up to grade 2 rivers)
  • Kite Buggying*
  • Kite Surfing (over land)*
  • Kite Surfing (over water)*
  • Marathon Running
  • Motor Cycling (with UK licence) )*
  • Mountain Biking (except downhill and extreme terrain)*
  • Mountain Boarding (protective clothing to be worn)
  • Netball
  • Orienteering
  • Paint Balling/War Games (eye protection must be worn)*
  • Parasailing/Parascending (over water)
  • Passenger Sledge
  • Pony Trekking
  • Power Boating (non-competitive and no cover for damage to vessel) *
  • Racing on foot
  • Racquetball
  • Rambling
  • Rap Running/Jumping (within organisations guidelines)*
  • Rifle Range*
  • Ringos
  • River Tubing
  • Roller Skating/Blading (pads and helmets must be worn)*
  • Rounders
  • Rowing (except racing)
  • Running
  • Safari In Vehicle (must be with a guide)
  • Safari On Foot (must be with a guide)
  • Safari On Horseback (must be with a guide)
  • Sail Boarding/Windsurfing*
  • Sailing*
  • Sand Yachting*
  • Scuba Diving - scuba diving (other than cave diving) to the following depths, when you hold the following qualifications, and are diving under the direction of an accredited dive marshal, instructor or guide and within the guidelines of the relevant diving or training agency or organisation:
  • PADI Open Water - 18 metres BSAC Ocean Diver - 20 metres
  • PADI Advanced Open Water - 30 metres BSAC Sports Diver - 35 metres. If you do not hold a qualification, we will only cover you to dive to a depth of 18 metres provided you are with a qualified instructor
  • Sea Canoeing/Kayaking (within sight of land)
  • Shooting (within organisations guidelines)*
  • Skate Boarding (pads and helmet must be worn)*
  • Sledge Pulled By Horse/Reindeer
  • Small Bore Target Shooting*
  • Snorkelling
  • Soft Ball
  • Squash
  • Surfing*
  • Swimming
  • Sydney Harbour Bridge (organised and walking across clipped onto a safety line)
  • Table Tennis
  • Tennis
  • Tenpin Bowling
  • Tree Top Canopy Walking (with adequate safety measures in place)
  • Trekking/Walking/Hiking/High level walking up to 3,000 metres above sea level
  • Tug Of War
  • Via Ferrate
  • Volley Ball
  • Wakeboarding*
  • War Games (eye protection must be worn)*
  • Water Polo
  • Water Skiing*
  • White Water Rafting (within organisations guidelines)
  • Wicker Basket Tobogganing
  • Windsurfing*
  • Yachting*
  • Zip Trekking (safety harness fixed to ropes must be worn)
  • Zorbing (non-winter sports)

Covered if the appropriate winter sports premium has been paid


  • Big Foot Skiing
  • Cat Skiing
  • Cross Country Skiing
  • Curling
  • Glacier Skiing
  • Glacier Walking
  • Heli-Skiing
  • Husky Dog Sledding (organised, non-competitive and with experienced local driver)
  • Ice Diving (must be with a qualified instructor at all times)
  • Ice Go Carting (provided organised and with adequate safety equipment provided)*
  • Ice Hockey
  • Ice Windsurfing*
  • Kite Boarding (winter sports)
  • Mono Skiing
  • Nordic Skiing
  • Off Piste Skiing and Snow Boarding not against the advice of the local mountain authorities
  • Parapenting/Paraponting as a winter sport (must be tandem with a qualified instructor at all times)
  • Skiing
  • Ski Biking
  • Ski-Boarding/Snow Boarding
  • Ski-Doos*
  • Ski Joering (non- competitive)
  • Ski Parks
  • Ski Racing (non FIS)
  • Ski Run Walking (using ropes or crampons)
  • Ski Touring
  • Ski Yawing (non-competitive) *
  • Sledging/Tobogganing/Tubing
  • Snow Biking
  • Snow Blading
  • Snow Boarding
  • Snow Carting*
  • Snow Cat Skiing
  • Snow Decking
  • Snow Go Carting
  • Snow Kiting
  • Snow Scooting*
  • Snow Mobiling*
  • Snow Skating
  • Snow Tubing
  • Snowcat Skiing
  • Telemarking
  • Tobogganing/Sledging
  • Tubing
  • Winter Walking up to 3,000 metres above sea level (using crampons and ice picks only – no use of ropes/guides or harnesses)
  • Zorbing (winter sports)

A piste is a recognised and marked ski run within the resort boundaries


Please be aware there is no cover for:


  1. a) ski acrobatics, ski flying, skiing against local authority warning or advice, ski-stunting, ski jumping, ski mountaineering, or the use of bob sleighs, luges, bungees or skeletons;

  2. b) your participation in winter sports in the United States of America or Canada outside the defined boundaries of a resort unless accompanied by a locally qualified guide;

  3. c) ski instructor courses or winter sports courses lasting more than 2 weeks