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.
| Activity |
BLUE |
RED |
BLACK |
EXCLUDED |
| Abseiling (Within organiser's guidlines) |
 |
|
|
|
| Adventure Racing |
|
|
 |
|
| Aerial Skiing |
|
|
|
 |
| American Football |
|
|
 |
|
| Angling |
 |
|
|
|
| Archery |
 |
|
|
|
| Assault Courses |
|
 |
|
|
| Athletics |
 |
|
|
|
| Activity |
BLUE |
RED |
BLACK |
EXCLUDED |
| Badminton |
 |
|
|
|
| Ballooning - Hot Air |
 |
|
|
|
| Bamboo Rafting |
|
|
 |
|
| Banana Boating |
 |
|
|
|
| Base Jumping |
|
|
|
 |
| Baseball |
 |
|
|
|
| Basketball |
 |
|
|
|
| Biathlon |
 |
|
|
|
| Big Game Hunting |
|
|
|
 |
| Bigfoot Skiing (requires Winter Sports cover) |
 |
|
|
|
| Black Water Rafting |
|
|
|
 |
| BMX Riding (stunt/obstacle) |
|
|
|
 |
| Boardsailing / Winsurfing |
 |
|
|
|
| Bobsleighing (requires Winter Sports cover) |
|
 |
|
|
| Bouldering |
|
|
 |
|
| Bowling |
 |
|
|
|
| Bowls |
 |
|
|
|
| Boxing |
|
|
|
 |
| BridgeSwinging |
|
|
 |
|
| Bull Running |
|
|
|
 |
| Bungee Jumping |
 |
|
|
|
| Activity |
BLUE |
RED |
BLACK |
EXCLUDED |
| Camel Riding |
 |
|
|
|
| Canoeing (river - not white water) |
 |
|
|
|
| Canoeing - White Water (Grade 4 or More) |
|
|
 |
|
| Canoeing - White water (up to grade 3) |
|
 |
|
|
| Canyoning (within organisers guidelines) |
|
|
 |
|
| Cat Skiing/Boarding (requires Winter Sports
cove |
|
 |
|
|
| Catamaran Sailing |
 |
|
|
|
| Cave Tubbing |
|
|
|
 |
| Caving |
|
 |
|
|
| Clay Pigeon Shooting |
 |
|
|
|
| Climbing (indoor with safety equipment) |
 |
|
|
|
| Climbing (up to 4,000 meters) |
|
|
 |
|
| Cricket |
 |
|
|
|
| Cross Country Running |
 |
|
|
|
| Cross Country Skiing (requires Winter Sports
cover) |
 |
|
|
|
| Curling |
 |
|
|
|
| Cycle Racing |
|
|
 |
|
| Cycling |
 |
|
|
|
| Cyclo-Cross |
 |
|
|
|
| Activity |
BLUE |
RED |
BLACK |
EXCLUDED |
| Deep Sea Fishing |
 |
|
|
|
| Deer Stalking |
|
|
|
 |
| Dinghy Sailing (no Personal Accident or Personal
Liability Cover) You can add more specialised Enhanced Offshore
cover after you have obtained a quote. |
 |
|
|
|
| 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) |
 |
|
|
|
| Diving (Scuba) (to a maximum depth of 50
Metres) |
|
|
 |
|
| Diving (High Diving) |
|
|
 |
|
| Dog Sledding |
 |
|
|
|
| Downhill Mountain Biking |
|
|
 |
|
| Dry Slope Skiing/Boarding |
|
 |
|
|
| Drag Racing |
|
|
|
 |
| Activity |
BLUE |
RED |
BLACK |
EXCLUDED |
| Elephant Trekking |
|
|
 |
|
| Endurance Tests |
|
|
 |
|
| Equestrian Events |
|
|
 |
|
| Expeditions |
|
|
 |
|
| Activity |
BLUE |
RED |
BLACK |
EXCLUDED |
| Fell Running |
 |
|
|
|
| Fell Walking |
 |
|
|
|
| Fencing |
|
 |
|
|
| Fishing |
 |
|
|
|
| Fives |
 |
|
|
|
| Flying (except passengers in licensed passenger
carrying aircraft) |
|
|
|
 |
| Football (American) |
|
|
 |
|
| Football (Soccer) |
|
 |
|
|
| Free Mountaineering (Without Safety Aids) |
|
|
|
 |
| Free-style Skiing |
|
|
|
 |
| Frisbee - Ultimate Frisbee |
 |
|
|
|
| Activity |
BLUE |
RED |
BLACK |
EXCLUDED |
| Gaelic Football |
|
 |
|
|
| Glacier Skiing (requires Winter Sports cover) |
 |
|
|
|
| Glacier Walking (requires Winter Sports
cover) |
 |
|
|
|
| Gliding (no cover for crewing or piloting) |
 |
|
|
|
| Go-Karting |
 |
|
|
|
| Golf - Standard cover. Note! You can add Enhanced
Golf Cover upgrade after you get a quote. |
 |
|
|
|
| Gymnastics |
 |
|
|
|
| Activity |
BLUE |
RED |
BLACK |
EXCLUDED |
| Handball |
 |
|
|
|
| Hang Gliding |
|
|
|
 |
| Harness Racing |
|
|
|
 |
| Heli-skiing or snowboarding (requires Winter
Sports cover) |
|
 |
|
|
| Hiking (above 4,000 metres) |
|
 |
|
|
| Hiking (below 4, 000 metres) |
 |
|
|
|
| High Diving |
|
|
 |
|
| HobieCat Sailing (no Personal Accident or Personal
Liability Cover) |
 |
|
|
|
| Hockey |
|
 |
|
|
| Horse Racing |
|
|
|
 |
| Horse Riding |
 |
|
|
|
| Hot Air Ballooning |
 |
|
|
|
| Hunting |
|
|
|
 |
| Hurling |
|
 |
|
|
| Activity |
BLUE |
RED |
BLACK |
EXCLUDED |
| Ice Climbing using ropes & guides (requ.
Winter Sports cover) |
|
|
 |
|
| Ice Hockey |
|
 |
|
|
| Ice Holing (within organisers guidelines. Requires
Winter Sports cover) |
|
|
 |
|
| Ice Skating |
 |
|
|
|
| Ice Speedway |
|
|
|
 |
| Ironman |
|
|
 |
|
| Activity |
BLUE |
RED |
BLACK |
EXCLUDED |
| Jet Boating |
 |
|
|
|
| Jet Skiing |
 |
|
|
|
| Jousting |
|
|
|
 |
| Judo |
|
 |
|
|
| Activity |
BLUE |
RED |
BLACK |
EXCLUDED |
| Karate |
|
 |
|
|
| Kayaking (up to Grade 2) |
 |
|
|
|
| Kayaking (up to Grade3) |
|
 |
|
|
| Kayaking (Grade 4 or more) |
|
|
 |
|
| Kendo |
|
 |
|
|
| Kite Snowboarding (requires Winter Sports
cover) |
|
 |
|
|
| Kite Surfing |
|
 |
|
|
| Activity |
BLUE |
RED |
BLACK |
EXCLUDED |
| Langlauf (requires Winter Sports cover) |
 |
|
|
|
| Lacrosse |
 |
|
|
|
| Luging (requires Winter Sports cover) |
|
 |
|
|
| Activity |
BLUE |
RED |
BLACK |
EXCLUDED |
| Marathon Des Sables |
|
|
 |
|
| Marathon Running |
|
|
 |
|
| Martial Arts |
|
 |
|
|
| Micro-Lighting |
|
|
|
 |
| Modern Pentathlon |
|
 |
|
|
| Mono Skiing (requires Winter Sports cover) |
 |
|
|
|
| Motocross |
|
|
|
 |
| Motor Cycle Racing |
|
|
|
 |
| Motor Cycling (above 125cc - requires a full
license) |
|
 |
|
|
| Motor Cycling (up to 125cc) |
|
 |
|
|
| Motor Racing |
|
|
|
 |
| Motor Rallies |
|
|
|
 |
| Mountain Biking (competitive) |
|
|
 |
|
| Mountain Biking (Downhill) |
|
|
 |
|
| Mountain Biking (Recreational) |
 |
|
|
|
| Mountaineering (above 4,000 metres) (no Personal
Accident or Personal Liability cover) |
|
|
 |
|
| Mountaineering (below 4000 metres) (no Personal
Accident or Personal Liability cover £250 Medical Expenses
Excess) |
|
 |
|
|
| Activity |
BLUE |
RED |
BLACK |
EXCLUDED |
| Netball |
 |
|
|
|
| Activity |
BLUE |
RED |
BLACK |
EXCLUDED |
| Off Piste Skiing (requires Winter Sports cover)
(within local ski patrol guidelines) help |
 |
|
|
|
| Off Piste Snowboarding (requires Winter Sports
cover) help |
 |
|
|
|
| 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) |
|
|
 |
|
| Offshore Sailing / Yachting - recreational (no
Personal Accident or Personal Liability cover) |
|
 |
|
|
| Orienteering |
 |
|
|
|
| Outdoor Endurance Events |
|
|
 |
|
| Overland Trips |
 |
|
|
|
| Activity |
BLUE |
RED |
BLACK |
EXCLUDED |
| Paintballing (wearing eye protection) (no Personal
Accident or Personal Liability cover £250 Medical Expenses
Excess) |
 |
|
|
|
| Parachute Jumping (Non Static Line) (no Personal
Accident or Personal Liability cover) |
|
|
 |
|
| Parachute Jumping (static line) |
|
 |
|
|
| Paragliding (no Personal Accident or Personal
Liability cover) |
|
|
 |
|
| Parapenting (no Personal Accident or Personal
Liability cover) |
|
|
 |
|
| Parascending (over land) |
|
 |
|
|
| Parascending (supervised over water) |
 |
|
|
|
| Pistol Shooting |
|
 |
|
|
| Polo |
|
|
|
 |
| Pony Trekking |
 |
|
|
|
| Pot Holing |
|
|
|
 |
| Powerboat Racing |
|
|
|
 |
| Powerlifting |
|
|
|
 |
| Professional Sports of any kind |
|
|
|
 |
| Activity |
BLUE |
RED |
BLACK |
EXCLUDED |
| Quad Biking |
|
|
 |
|
| Activity |
BLUE |
RED |
BLACK |
EXCLUDED |
| Racketball |
 |
|
|
|
| Rackets |
 |
|
|
|
| Rafting - White Water (grade 4 or More) |
|
|
 |
|
| Rafting - White Water (up to grade 3) |
|
 |
|
|
| Rambling |
 |
|
|
|
| Rap Jumping (within organiser's guidelines) |
 |
|
|
|
| Reenacting (excludes use of live ammunition) |
|
 |
|
|
| Rifle Shooting |
 |
|
|
|
| Ringos |
 |
|
|
|
| River Bugging |
|
|
|
 |
| Rock Climbing (freestyle or without ropes) |
|
|
|
 |
| Rock Climbing (organised climbs using ropes and
all safety equipment) |
|
|
 |
|
| Rodeo |
|
|
|
 |
| Roller Blading |
 |
|
|
|
| Roller Hockey |
|
 |
|
|
| Rounders |
 |
|
|
|
| Rowing |
 |
|
|
|
| Rugby League |
|
|
 |
|
| Rugby Sevens |
|
|
 |
|
| Rugby Union |
|
|
 |
|
| Rugby, Touch |
 |
|
|
|
| Running |
 |
|
|
|
| Running (marathon & Marathon des Sables) |
|
|
 |
|
| Activity |
BLUE |
RED |
BLACK |
EXCLUDED |
| Safari (organised by bona fide tour operator (no
guns) |
 |
|
|
|
| Safari (organised by bone fide tour operator (with
guns) |
|
|
 |
|
| Safari trekking in a vehicle (must be organised
tour) |
 |
|
|
|
| Safari trekking on foot (must be organised
tour) |
 |
|
|
|
| Sail Boarding |
 |
|
|
|
| Sailing / Yachting Inshore - racing / crewing (no
Personal Accident or Personal Liability Cover) |
|
 |
|
|
| Sailing / Yachting Inshore - recreational (no
Personal Accident or Personal Liability cover) |
 |
|
|
|
| Sailing / Yachting Offshore - racing / crewing (no
Personal Accident or Personal Liability cover) |
|
|
 |
|
| Sailing / Yachting Offshore - recreational (no
Personal Accident or Personal Liability cover) |
|
 |
|
|
| Sailing / Yachting Offshore - Enhanced Cover. You
can add more specialised Enhanced Offshore Cover after you have
obtained a quote. |
|
|
|
|
| Sand Dune surfing / skiing |
|
 |
|
|
| Scrambling |
|
 |
|
|
| Scuba Diving (Maximum of 30 Metres Depth) |
 |
|
|
|
| Scuba Diving (Maximum of 50 Metres Depth) |
|
|
 |
|
| 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 |
|
|
|
 |
| Sea Kayaking |
 |
|
|
|
| Shark Diving (in cage) |
|
 |
|
|
| Shark Diving To Swim With And Feed Sharks (you
must purchase the optional Enhanced Dive Cover upgrade) |
|
 |
|
|
| Shinty |
|
 |
|
|
| Shooting |
 |
|
|
|
| Skate Boarding |
 |
|
|
|
| Skeletons |
|
|
|
 |
| Ski Acrobatics / Aerials |
|
|
|
 |
| Ski Bob racing |
|
|
|
 |
| Ski Jumping |
|
|
|
 |
| Ski Mountaineering (requires Winter Sports
cover) |
|
|
 |
|
| Ski Race Training (requires Winter Sports
cover |
|
 |
|
|
| Ski Racing (other than ski school races) (requires
Winter Sports cover) |
|
|
|
 |
| Ski Randonee (requires Winter Sports cover) |
|
|
 |
|
| Ski Randonee (requires Winter Sports cover) |
|
|
 |
|
| Ski Stunting |
|
|
|
 |
| Ski Touring (requires Winter Sports cover) |
|
|
 |
|
| Skiing (requires Winter Sports cover) |
 |
|
|
|
| Skiing - Bigfoot (requires Winter Sports
cover) |
 |
|
|
|
| Skiing - Cat Skiing/Boarding (requires Winter
Sports cover) |
|
 |
|
|
| Skiing - Cross Country (requires Winter Sports
cover) |
 |
|
|
|
| Skiing - Free-style |
|
|
|
 |
| Skiing - Glacier (requires Winter Sports
cover) |
 |
|
|
|
| Skiing - Mono (requires Winter Sports cover) |
 |
|
|
|
| Skiing - Off Piste (requires Winter Sports
cover) |
 |
|
|
|
| Skiing against local authorities warning or
advice |
|
|
|
 |
| Skiing-Heli & Snowboarding-Heli (requires
Winter Sports cover) |
|
 |
|
|
| Skiing/Boarding - Dry Slope |
|
 |
|
|
| Sky Diving (no Personal Accident or Personal
Liability cover) |
|
|
 |
|
| Snorkelling |
 |
|
|
|
| Snow Shoeing (requires Winter Sports cover) |
 |
|
|
|
| Snowblading (requires Winter Sports cover) |
 |
|
|
|
| Snowboarding (requires Winter Sports cover) |
 |
|
|
|
| Snowboarding - Off Piste (requires Winter Sports
cover) |
 |
|
|
|
| Snowboarding against local authorities warning or
advice |
|
|
|
 |
| Soccer |
|
 |
|
|
| Softball |
 |
|
|
|
| Solo Climbing |
|
|
|
 |
| Solo Climbing (without ropes) |
|
|
|
 |
| Solo Mountaineering (Without Safety Aids) |
|
|
|
 |
| Solo Scuba Diving |
|
|
|
 |
| Speed Skating (requires Winter Sports cover) |
 |
|
|
|
| Speed Trials / Time Trials |
|
|
|
 |
| Speedway |
|
|
|
 |
| Squash / Rackets |
 |
|
|
|
| Steeplechasing |
|
|
|
 |
| Street Hockey (wearing pads & helmets) |
|
 |
|
|
| Summer Tobogganing |
 |
|
|
|
| Surfing |
 |
|
|
|
| Swim Trekking (no Liability Cover) |
|
 |
|
|
| Swimming |
 |
|
|
|
| Activity |
BLUE |
RED |
BLACK |
EXCLUDED |
| Table Tennis |
 |
|
|
|
| Tae Kwon Do |
|
 |
|
|
| Tennis |
 |
|
|
|
| Time Trials |
|
|
|
 |
| Tobogganing (requires Winter Sports cover) |
 |
|
|
|
| Touch Rugby |
 |
|
|
|
| Trampolining |
|
 |
|
|
| Trekking (above 4000 metres) |
|
 |
|
|
| Trekking (below 4,000 metres) |
 |
|
|
|
| Triathlon |
|
|
 |
|
| Tug-of-War |
 |
|
|
|
| Activity |
BLUE |
RED |
BLACK |
EXCLUDED |
| Ultimate Frisbee |
 |
|
|
|
| Activity |
BLUE |
RED |
BLACK |
EXCLUDED |
| Via Ferrata (no Personal Accident or Personal
Liability Cover) |
|
|
 |
|
| Volleyball |
 |
|
|
|
| Activity |
BLUE |
RED |
BLACK |
EXCLUDED |
| Wakeboarding |
|
 |
|
|
| Walking (above 4,000 metres) |
|
 |
|
|
| Walking (below 4,000 metres) |
 |
|
|
|
| War Games (excludes use of live ammunition |
|
 |
|
|
| Water Polo |
 |
|
|
|
| Water Skiing |
 |
|
|
|
| Water Skiing Jumping |
|
|
|
 |
| Weightlifting |
|
|
|
 |
| White Water Canoeing (Grade 4 or More) |
|
|
 |
|
| White Water Canoeing (up to Grade 3) |
|
 |
|
|
| White Water Rafting (Grade 4 or More) |
|
|
 |
|
| White Water Rafting (up to Grade 3) |
|
 |
|
|
| Windsurfing |
 |
|
|
|
| Wrestling |
|
|
|
 |
| Activity |
BLUE |
RED |
BLACK |
EXCLUDED |
| Zorbing |
 |
|
|
|