Sports and Activities – any pursuit or activity where it is recognised there is an increased risk of serious injury or can be reasonably expected to aggravate any existing infirmity.

The following are examples of Sports and Activities that are not covered under this insurance:
Professional and/or amateur sports involving physical contact (e.g. American Football, handball, football, martial arts, rugby), BMX riding, bungee jumping, big game hunting, coastal waters canoe/kayak, crewing a sailing boat or vessel from one country to another, dangerous overland expeditions, fell running, fencing, gliding, gymnastics, hang-gliding, high diving (over 10 metres), horse jumping, hunting, jet-skiing, kite boarding, motor cycling or motor scootering or mechanical assisted cycling exceeding 125cc in engine capacity (when driving or being a passenger), mountaineering (requiring the use of ropes and/or guides), parachuting (solo or tandem), paragliding (overland), parapenting (overland), parascending (overland), pot-holing, quad-biking, rifle range, safaris (unless part of an organised tour), scuba or skin-diving deeper than 30 metres (PADI qualified diving), show jumping, skydiving, steeplechasing, weight lifting, white water rafting/canoeing/kayaking.

The following amateur sports not involving physical contact are covered with a few limitations indicated with an * or ** below including -
abseiling*, archery**, badminton, baseball, basketball, bowls, canoe/kayak (lake and river, excluding white water), clay pigeon shooting**, cricket, cycling (noncompetitive)**, curling, deep-sea fishing (no commercial/competition), dinghy sailing, dry skiing, fell walking, field hockey, fishing, go-carting**, golf**, heptathlon, horse riding (protective headgear to be worn), hot-air ballooning (organised tour only), lacrosse, marathon running, mountain biking, netball, orienteering, paintballing**, parascending (over water), polo, pony trekking, rambling, rollerblading, rounders, rowing, safaris/gorilla (organised tours only), sailing (inland/coastal), sailboarding, skateboarding, snorkelling, squash, street hockey, surfing, tennis, trekking/hiking (organised tours only), tour operators’ safaris, volleyball (including beach), war games**, water polo, water-skiing**, and windsurfing, winter sports (provided the appropriate premium has been paid).
Note: non-manual work undertaken during a holiday or leisure trip (including temporary working in bars, restaurants and farm holidays) is covered.
*Excludes Personal Accident benefits, ** Excludes Personal Liability benefit