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Schedule of Activities

There is no extra charge for activities in categories 1, 2, 4 and 5 below,
and there is no time-limit on participation.
Categories 4 and 5 provide Medical and Repatriation cover only, and higher excess levels apply
(Skydiving, parachuting, paragliding and hang-gliding are in category 5).

Winter sports in category 3 relates to full, conventional, winter sports cover under Section (P) of the policy, however, all are also listed in category 5 providing medical and repatriation cover only.


	You are covered for: ‘safe and normal’ participation in the sports and activities described below, as an amateur to amateur competition level. ‘Safe and normal’ participation means firstly that: . (a) you are reasonably fit and competent to take part; (b) you take notice of local warnings of danger or adverse weather conditions; (c) you participate in safe areas and/or areas covered by rescue facilities; (d) you have the necessary qualification or licence if such is needed to participate; and (e) you wear all the normal protective clothing and head gear and observe the normal safely procedures of the sport or activity. In any event, you are expected to wear an appropriate hard helmet when exposed to projectiles, or when riding vehicles or animals, or whenever travelling at speed, or for aerial activities, and to wear a personal floatation device for surface water sports. Besides which, cover for safe and normal participation is provided on certain basic conditions for individual activities as shown in the tables below.


	BASIC CONDITIONS FOR SAFE AND NORMAL PARTICIPATION IN ACTIVITIES
	(1) You are accompanied by, or accessible to, an experienced and/or suitably qualified instructor or guide. (2) You are properly supervised, taking part in an organised event, match, game, session or outing. (3) You are using natural or purpose-built facilities approved for use for the activity by a local or national regulatory authority.		For certain activities the condition is that cover under other sections of the policy is excluded: (4) cover under policy section (C) PERSONAL ACCIDENT. (5) cover under policy section (J) PERSONAL LIABILITY. The condition numbers are annotated to the categories or activities to which they apply below.

	1. HOLIDAY CATEGORY (included with normal travel insurance at the Standard Medical Excess £80 (€120))
	Abseiling Archery Athletics track events Badminton Basketball Body boarding Camal riding Catamaran sailing Canoeing grade 3 Clay pigeon shooting Cricket Dinghy sailing Elephant riding	Condition (2)(4) (2) (2) (5) (2)(3) (2) (2) (3)(5) (5) (2)(3)	Go-karting to 125cc Golf Gym fitness training Handball Hockey Horse riding (school) † Ice-rink skating † Jet skiing Orienteering Paint balling Parascending water † not jumping	Condition (3)(5) (3) (1) (2) (3)(5) (1)(3)(5) (5) (2) (2)(5) (2)(5)	Pony trekking Rafting grade 1 to 3 Rifle shooting Rowing Roller blading/skating Safari trekking Sailboarding Soccer football Skateboarding Scuba diving special terms see below	Condition (2) (1)(2) (2) (1) (3) **	Snorkelling Surf boarding Squash/Tennis Trekking to 1500m Volleyball Wakeboarding Water polo Water skiing† War games Wheelchair athletics Windsurfing Yachting (in coastal waters)	Condition (1) (2) (3) (2) (5) (5)

	** SCUBA DIVING (Special Terms and Conditions)
	General: (a) All divers must be accompanied by a qualified Dive Instructor, except in circumstances where they are themselves qualified to dive without an Instructor, in which case diving must be with a companion on a 'buddy pair' basis. (b) Diving work of any kind is not covered. (c) Any illness or loss due to air travel within 24 hours of diving is not covered. Levels of cover: (1) Holiday Category (above) covers divers with no grade/qualification to a maximum depth of 18m, and divers with a BSAC/PADI or equivalent grade/qualification to the maximum depth that their grade permits, or to a maximum depth of 30m (if their grade permits). (5) High Risk Category (below) covers divers going over 30m to a maximum depth limit of 40m provided that their BSAC/PADI or equivalent grade/qualification permits. Please contact us if your holiday scuba diving plans are beyond the limits of these conditions.

	2. WORK CATEGORY (Specific condition (5) applies to all types of work, paid or voluntary. The Standard Medical Excess applies.)
	Work excludes (unless otherwise agreed by us): all professional sport; heavy manual labour; the use of plant, machinery or power tools; work in building trades, work in extraction or manufacturing industries; or forestry; or work at sea or as aircrew.

3. NORMAL WINTER SPORTS CATEGORY (included with cover under Section (P) at the Standard Medical Excess)
Cross-country skiing Ice skating Mono skiing	(1)	Skidoo riding Snowboarding off piste	(2)(5) Øbelow	Snowboarding piste Snow skiing off piste Snow skiing piste	Øbelow	Sledging Snow mobiling Tubing	(2)(5) (1)(3)
Excluding: acrobatics, stunting, event-racing, heli skiing, or use of skeletons/bobsleighs.

	Ø OFF PISTE SKIING AND SNOWBOARDING (Special Terms and Conditions)
	Within designated safe areas: Off Piste Skiing and boarding within areas that are designated as being safe by the resort management is not covered (excluded) unless the following requirements are adhered to: (a) 'Check out' and 'check in' ie. you must let somebody know where you are going, how many are in the group, and when you are likely to return, and report back accordingly; (b) A minimum of four people to ski together in a group; (c) Avalanche transceivers must be worn. Outside designated safe areas: Off Piste Skiing and boarding outside areas that are designated as being safe by the resort management is not covered (excluded) unless the following requirements are adhered to: the reguirements as detailed (a), (b), (c) above, and you must be accompanied by a qualified mountain guide who has knowledge of the resort.

	4. MEDIUM RISK ACTIVITIES Specific conditions (2), (4) and (5), and the Medium Risk Medical Excess £300 (€450) applies
	Athletics field events BMX biking/racing Boxing training Bridge/gorge swinging Bungee jumping	(3) (1) (3) (3)	Canoeing grade 4 Dog sledging Fencing Hot-air ballooning Indoor climbing	(3) (3) (3)	Jet boating Kickboxing Kitesurfing Martial arts training Mountain biking	(1) (1)	Outwardbound pursuits Rafting grade 4 Sand boarding Sea canoeing Trekking to 4000m	(3) (1)

	5. HIGH RISK ACTIVITIES Specific conditions (2), (4) and (5) apply. The High Risk Medical Excess £500 (€750) applies
	Cross-country skiing Canyoning Gymnastics Hang-gliding High diving max 10m Ice speed skating	(1) (3) (3) (3) (3)	Mono skiing Parachuting Paragliding Parascending land Power kiting Quad-biking to 125cc Rafting grade 5 & 6	(3) (3) (3) (3)	Rock climbing Rugby Scuba diving special Shidoo riding Snow skiing/boarding piste off piste	** Øabove	Sledging Snow mobiling Skydiving Tobogganing Track cycling Trampolining Tubing Water ski jumping	(3) (3) (1) (1)(3) (3)

	6. REFERRAL ACTIVITIES cover is not provided for hazardous sports or activities that are not described above. Cover may be provided on referral:
	For referral contact Etravelinsure Limited by email with all relevant details of when, where, how long you plan to participate, any medical problems, and your experience. Further conditions may apply. Your Certificate of Insurance will be endorsed with the level of cover agreed. Possible Referral Activities (for Section (A) Emergency Medical & Repatriation cover only) are: Motorcycle touring for experienced riders using their own bikes; Cycle touring for properly equipped and experienced cyclists; Trekking above altitude of 4000m in properly organised expeditions using prescribed trails, such as: Mount Kilimanjaro, Inca Trail, or Himachal Paradesh.