Sports and Activities

WINTER SPORTS and the BLUE, RED, BLACK ratings

Just like resort trails and pistes, activities in our list are rated BLUE, RED & BLACK. We think that's fairly easy to grasp: low risk, medium risk, high risk.

All Snowsport Insurance policies include winter sports cover at the BLUE rating by default. After all, not everybody wants to be covered for dare-devil on-snow activity.

As you will see from the ACTIVITY list below, certain types of winter sports carry a higher rating (this means they are higher risk) than BLUE. For instance you will see that Heli-skiing carries a RED rating and Ski Mountaineering is rated BLACK. You must be sure to choose the correct BLUE, RED, BLACK level for your type of winter sport activity.

You may only require BLUE in order to cover you for your winter sports but for all we know, your other sport is downhill mountainbiking, which is rated BLACK. You should

always choose cover for the highest rating. So, for the above combination, you'd have to choose BLACK. Simple!

NOTE! If an activity appears on the EXCLUDED list, you are not covered to partake in this activity under any circumstances under the terms of this cover.

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Activity BLUE RED BLACK EXCLUDED
Abseiling (Within organiser's guidlines) sport
Adventure Racing Extreme
Aerial Skiing Excluded
American Football Extreme
Angling sport
Archery sport
Assault Courses Sport+
Athletics sport

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Activity BLUE RED BLACK EXCLUDED
Badminton sport
Ballooning - Hot Air sport
Bamboo Rafting Extreme
Banana Boating sport
Base Jumping Excluded
Baseball sport
Basketball sport
Biathlon sport
Big Game Hunting Excluded
Bigfoot Skiing (requires Winter Sports cover) sport
Black Water Rafting Excluded
BMX Riding (stunt/obstacle) Excluded
Boardsailing / Winsurfing sport
Bobsleighing (requires Winter Sports cover) Sport+
Bouldering Extreme
Bowling sport
Bowls sport
Boxing Excluded
BridgeSwinging Extreme
Bull Running Excluded
Bungee Jumping sport

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Activity BLUE RED BLACK EXCLUDED
Camel Riding sport
Canoeing (river - not white water) sport
Canoeing - White Water (Grade 4 or More) Extreme
Canoeing - White water (up to grade 3) Sport+
Canyoning (within organisers guidelines) Extreme
Cat Skiing/Boarding (requires Winter Sports cove Sport+
Catamaran Sailing sport
Cave Tubbing Excluded
Caving Sport+
Clay Pigeon Shooting sport
Climbing (indoor with safety equipment) sport
Climbing (up to 4,000 meters) Extreme
Cricket sport
Cross Country Running sport
Cross Country Skiing (requires Winter Sports cover) sport
Curling sport
Cycle Racing Extreme
Cycling sport
Cyclo-Cross sport

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Activity BLUE RED BLACK EXCLUDED
Deep Sea Fishing sport
Deer Stalking Excluded
Dinghy Sailing (no Personal Accident or Personal Liability Cover) You can add more specialised Enhanced Offshore cover after you have obtained a quote. sport
Diving (Scuba) Dogtag covers Scuba Diving within two depth limits, <30m & <50m (see below). You can add more specialist Dive cover once you've obtained a quote.
Diving (Scuba) (to a maximum depth of 30 Metres) sport
Diving (Scuba) (to a maximum depth of 50 Metres) Extreme
Diving (High Diving) Extreme
Dog Sledding sport
Downhill Mountain Biking Extreme
Dry Slope Skiing/Boarding Sport+
Drag Racing Excluded

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Activity BLUE RED BLACK EXCLUDED
Elephant Trekking Extreme
Endurance Tests Extreme
Equestrian Events Extreme
Expeditions Extreme

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Activity BLUE RED BLACK EXCLUDED
Fell Running sport
Fell Walking sport
Fencing Sport+
Fishing sport
Fives sport
Flying (except passengers in licensed passenger carrying aircraft) Excluded
Football (American) Extreme
Football (Soccer) Sport+
Free Mountaineering (Without Safety Aids) Excluded
Free-style Skiing Excluded
Frisbee - Ultimate Frisbee sport

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Activity BLUE RED BLACK EXCLUDED
Gaelic Football Sport+
Glacier Skiing (requires Winter Sports cover) sport
Glacier Walking (requires Winter Sports cover) sport
Gliding (no cover for crewing or piloting) sport
Go-Karting sport
Golf - Standard cover. Note! You can add Enhanced Golf Cover upgrade after you get a quote. sport
Gymnastics sport

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Activity BLUE RED BLACK EXCLUDED
Handball sport
Hang Gliding Excluded
Harness Racing Excluded
Heli-skiing or snowboarding (requires Winter Sports cover) Sport+
Hiking (above 4,000 metres) Sport+
Hiking (below 4, 000 metres) sport
High Diving Extreme
HobieCat Sailing (no Personal Accident or Personal Liability Cover) sport
Hockey Sport+
Horse Racing Excluded
Horse Riding sport
Hot Air Ballooning sport
Hunting Excluded
Hurling Sport+

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Activity BLUE RED BLACK EXCLUDED
Ice Climbing using ropes & guides (requ. Winter Sports cover) Extreme
Ice Hockey Sport+
Ice Holing (within organisers guidelines. Requires Winter Sports cover) Extreme
Ice Skating sport
Ice Speedway Excluded
Ironman Extreme

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Activity BLUE RED BLACK EXCLUDED
Jet Boating sport
Jet Skiing sport
Jousting Excluded
Judo Sport+

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Activity BLUE RED BLACK EXCLUDED
Karate Sport+
Kayaking (up to Grade 2) sport
Kayaking (up to Grade3) Sport+
Kayaking (Grade 4 or more) Extreme
Kendo Sport+
Kite Snowboarding (requires Winter Sports cover) Sport+
Kite Surfing Sport+

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Activity BLUE RED BLACK EXCLUDED
Langlauf (requires Winter Sports cover) sport
Lacrosse sport
Luging (requires Winter Sports cover) Sport+

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Activity BLUE RED BLACK EXCLUDED
Marathon Des Sables Extreme
Marathon Running Extreme
Martial Arts Sport+
Micro-Lighting Excluded
Modern Pentathlon Sport+
Mono Skiing (requires Winter Sports cover) sport
Motocross Excluded
Motor Cycle Racing Excluded
Motor Cycling (above 125cc - requires a full license) Sport+
Motor Cycling (up to 125cc) Sport+
Motor Racing Excluded
Motor Rallies Excluded
Mountain Biking (competitive) Extreme
Mountain Biking (Downhill) Extreme
Mountain Biking (Recreational) sport
Mountaineering (above 4,000 metres) (no Personal Accident or Personal Liability cover) Extreme
Mountaineering (below 4000 metres) (no Personal Accident or Personal Liability cover £250 Medical Expenses Excess) Sport+

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Activity BLUE RED BLACK EXCLUDED
Netball sport

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Activity BLUE RED BLACK EXCLUDED
Off Piste Skiing (requires Winter Sports cover) (within local ski patrol guidelines) help sport
Off Piste Snowboarding (requires Winter Sports cover) help sport
Offshore Sailing is covered under the standard Dogtag policy (see below). You can add more specialised Enhanced Offshore Cover after you have obtained a quote.
Offshore Sailing / Yachting - racing / crewing (no Personal Accident or Personal Liability cover) Extreme
Offshore Sailing / Yachting - recreational (no Personal Accident or Personal Liability cover) Sport+
Orienteering sport
Outdoor Endurance Events Extreme
Overland Trips sport

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Activity BLUE RED BLACK EXCLUDED
Paintballing (wearing eye protection) (no Personal Accident or Personal Liability cover £250 Medical Expenses Excess) sport
Parachute Jumping (Non Static Line) (no Personal Accident or Personal Liability cover) Extreme
Parachute Jumping (static line) Sport+
Paragliding (no Personal Accident or Personal Liability cover) Extreme
Parapenting (no Personal Accident or Personal Liability cover) Extreme
Parascending (over land) Sport+
Parascending (supervised over water) sport
Pistol Shooting Sport+
Polo Excluded
Pony Trekking sport
Pot Holing Excluded
Powerboat Racing Excluded
Powerlifting Excluded
Professional Sports of any kind Excluded

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Activity BLUE RED BLACK EXCLUDED
Quad Biking Extreme

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Activity BLUE RED BLACK EXCLUDED
Racketball sport
Rackets sport
Rafting - White Water (grade 4 or More) Extreme
Rafting - White Water (up to grade 3) Sport+
Rambling sport
Rap Jumping (within organiser's guidelines) sport
Reenacting (excludes use of live ammunition) Sport+
Rifle Shooting sport
Ringos sport
River Bugging Excluded
Rock Climbing (freestyle or without ropes) Excluded
Rock Climbing (organised climbs using ropes and all safety equipment) Extreme
Rodeo Excluded
Roller Blading sport
Roller Hockey Sport+
Rounders sport
Rowing sport
Rugby League Extreme
Rugby Sevens Extreme
Rugby Union Extreme
Rugby, Touch sport
Running sport
Running (marathon & Marathon des Sables) Extreme

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Activity BLUE RED BLACK EXCLUDED
Safari (organised by bona fide tour operator (no guns) sport
Safari (organised by bone fide tour operator (with guns) Extreme
Safari trekking in a vehicle (must be organised tour) sport
Safari trekking on foot (must be organised tour) sport
Sail Boarding sport
Sailing / Yachting Inshore - racing / crewing (no Personal Accident or Personal Liability Cover) Sport+
Sailing / Yachting Inshore - recreational (no Personal Accident or Personal Liability cover) sport
Sailing / Yachting Offshore - racing / crewing (no Personal Accident or Personal Liability cover) Extreme
Sailing / Yachting Offshore - recreational (no Personal Accident or Personal Liability cover) Sport+
Sailing / Yachting Offshore - Enhanced Cover. You can add more specialised Enhanced Offshore Cover after you have obtained a quote.
Sand Dune surfing / skiing Sport+
Scrambling Sport+
Scuba Diving (Maximum of 30 Metres Depth) sport
Scuba Diving (Maximum of 50 Metres Depth) Extreme
Scuba Diving - Dogtag covers Scuba Diving within two depth limits, <30m & <50m (see below). You can add more specialist Enhanced Dive Cover once you've obtained a quote.
Scuba Diving Solo Excluded
Sea Kayaking sport
Shark Diving (in cage) Sport+
Shark Diving To Swim With And Feed Sharks (you must purchase the optional Enhanced Dive Cover upgrade) Sport+
Shinty Sport+
Shooting sport
Skate Boarding sport
Skeletons Excluded
Ski Acrobatics / Aerials Excluded
Ski Bob racing Excluded
Ski Jumping Excluded
Ski Mountaineering (requires Winter Sports cover) Extreme
Ski Race Training (requires Winter Sports cover Sport+
Ski Racing (other than ski school races) (requires Winter Sports cover) Excluded
Ski Randonee (requires Winter Sports cover) Extreme
Ski Randonee (requires Winter Sports cover) Extreme
Ski Stunting Excluded
Ski Touring (requires Winter Sports cover) Extreme
Skiing (requires Winter Sports cover) sport
Skiing - Bigfoot (requires Winter Sports cover) sport
Skiing - Cat Skiing/Boarding (requires Winter Sports cover) Sport+
Skiing - Cross Country (requires Winter Sports cover) sport
Skiing - Free-style Excluded
Skiing - Glacier (requires Winter Sports cover) sport
Skiing - Mono (requires Winter Sports cover) sport
Skiing - Off Piste (requires Winter Sports cover) sport
Skiing against local authorities warning or advice Excluded
Skiing-Heli & Snowboarding-Heli (requires Winter Sports cover) Sport+
Skiing/Boarding - Dry Slope Sport+
Sky Diving (no Personal Accident or Personal Liability cover) Extreme
Snorkelling sport
Snow Shoeing (requires Winter Sports cover) sport
Snowblading (requires Winter Sports cover) sport
Snowboarding (requires Winter Sports cover) sport
Snowboarding - Off Piste (requires Winter Sports cover) sport
Snowboarding against local authorities warning or advice Excluded
Soccer Sport+
Softball sport
Solo Climbing Excluded
Solo Climbing (without ropes) Excluded
Solo Mountaineering (Without Safety Aids) Excluded
Solo Scuba Diving Excluded
Speed Skating (requires Winter Sports cover) sport
Speed Trials / Time Trials Excluded
Speedway Excluded
Squash / Rackets sport
Steeplechasing Excluded
Street Hockey (wearing pads & helmets) Sport+
Summer Tobogganing sport
Surfing sport
Swim Trekking (no Liability Cover) Sport+
Swimming sport

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Activity BLUE RED BLACK EXCLUDED
Table Tennis sport
Tae Kwon Do Sport+
Tennis sport
Time Trials Excluded
Tobogganing (requires Winter Sports cover) sport
Touch Rugby sport
Trampolining Sport+
Trekking (above 4000 metres) Sport+
Trekking (below 4,000 metres) sport
Triathlon Extreme
Tug-of-War sport

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Activity BLUE RED BLACK EXCLUDED
Ultimate Frisbee sport

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Activity BLUE RED BLACK EXCLUDED
Via Ferrata (no Personal Accident or Personal Liability Cover) Extreme
Volleyball sport

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Activity BLUE RED BLACK EXCLUDED
Wakeboarding Sport+
Walking (above 4,000 metres) Sport+
Walking (below 4,000 metres) sport
War Games (excludes use of live ammunition Sport+
Water Polo sport
Water Skiing sport
Water Skiing Jumping Excluded
Weightlifting Excluded
White Water Canoeing (Grade 4 or More) Extreme
White Water Canoeing (up to Grade 3) Sport+
White Water Rafting (Grade 4 or More) Extreme
White Water Rafting (up to Grade 3) Sport+
Windsurfing sport
Wrestling Excluded

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Activity BLUE RED BLACK EXCLUDED
Zorbing sport