| The following activities are covered as standard | |||
| Activity | Medical Excess | Personal Accident | Public Liability |
| Athletics | Standard | Standard | Standard |
| Badminton | Standard | Standard | Standard |
| Baseball | Standard | Standard | Standard |
| BMX | Standard | Standard | Standard |
| Bowls | Standard | Standard | Standard |
| Cricket | Standard | Standard | Standard |
| Cross county running | Standard | Standard | Standard |
| Curling | Standard | Standard | Standard |
| Cycling | Standard | Standard | Standard |
| Fell running | Standard | Standard | Standard |
| Golf | Standard | Standard | Standard |
| Heptathlon | Standard | Standard | Standard |
| Hiking under 2000m alt. | Standard | Standard | Standard |
| Jogging | Standard | Standard | Standard |
| Netball | Standard | Standard | Standard |
| Orienteering | Standard | Standard | Standard |
| Rambling | Standard | Standard | Standard |
| Roller Blading/Line skating | Standard | Standard | Standard |
| Rounders | Standard | Standard | Standard |
| Running/sprint/long distance | Standard | Standard | Standard |
| Safari | Standard | Standard | Standard |
| Scuba diving Max 30m | Standard | Standard | Standard |
| Skate boarding | Standard | Standard | Standard |
| Snorkelling | Standard | Standard | Standard |
| Squash | Standard | Standard | Standard |
| Tennis | Standard | Standard | Standard |
| Trekking Under 2000m alt. | Standard | Standard | Standard |
| Triathlon | Standard | Standard | Standard |
| Volleyball | Standard | Standard | Standard |
| Water polo | Standard | Standard | Standard |
| Windsurfing | Standard | Standard | Standard |
| Yachting/Crewing inside territorial waters | Standard | Standard | Standard |
| No additional premium is required for the following activities. Personal Accident and Public Liability covers are excluded. |
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| Activity | Medical Excess | Personal Accident | Public Liability |
| Archery | Standard | Excluded | Excluded |
| Boxing training | Standard | Excluded | Excluded |
| Camel/elephant riding | Standard | Excluded | Excluded |
| Canoeing/kayaking | Standard | Excluded | Excluded |
| Field hockey | Standard | Excluded | Excluded |
| Fishing | Standard | Excluded | Excluded |
| Flying as passenger in small private aircraft | Standard | Excluded | Excluded |
| Football | Standard | Excluded | Excluded |
| Gaelic football | Standard | Excluded | Excluded |
| Go karting | Standard | Excluded | Excluded |
| Hiking over 2000m but under 6000m alt. | Standard | Excluded | Excluded |
| Horse riding | Standard | Excluded | Excluded |
| Parascending (over water) | Standard | Excluded | Excluded |
| Roller hockey | Standard | Excluded | Excluded |
| Trekking over 2000 but under 6000m alt. | Standard | Excluded | Excluded |
| White/black water rafting Grades 1-4 | Standard | Excluded | Excluded |
| An additional premium is charged for the following activities. Please select those required by ticking the box when you get a quote. Personal Accident and Public Liability covers are excluded. |
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| Activity | Medical Excess | Personal Accident | Public Liability |
| Abseiling | Standard | Excluded | Excluded |
| Animal conservation/Game reserve work | Standard | Excluded | Excluded |
| Canoeing/kayaking (white water) | Standard | Excluded | Excluded |
| Clay pigeon shooting | Standard | Excluded | Excluded |
| Cross channel swimmimg | Standard | Excluded | Excluded |
| Dry skiing | Standard | Excluded | Excluded |
| Fencing | Standard | Excluded | Excluded |
| Gymnastics | Standard | Excluded | Excluded |
| Handball | Standard | Excluded | Excluded |
| High diving | Standard | Excluded | Excluded |
| Hot air ballooning | Standard | Excluded | Excluded |
| Jet skiing/boating | Standard | Excluded | Excluded |
| Kite surfing/landboarding/Buggying | Standard | Excluded | Excluded |
| Lacrosse | Standard | Excluded | Excluded |
| Marathons | Standard | Excluded | Excluded |
| Martial arts (training) | Standard | Excluded | Excluded |
| Motorcycling (under 50cc) | Standard | Excluded | Excluded |
| Mountain biking | Standard | Excluded | Excluded |
| Mountain boarding | Standard | Excluded | Excluded |
| Paintballing | Standard | Excluded | Excluded |
| Rowing (inland/coastal) | Standard | Excluded | Excluded |
| Sail/sandboarding | Standard | Excluded | Excluded |
| Scuba diving max 30m Unqualified | Standard | Excluded | Excluded |
| Scuba diving max 40m Qualified | Standard | Excluded | Excluded |
| Surfing | Standard | Excluded | Excluded |
| Wake boarding | Standard | Excluded | Excluded |
| War games | Standard | Excluded | Excluded |
| Water skiing | Standard | Excluded | Excluded |
| Weight-lifting | Standard | Excluded | Excluded |
| Zorbing/hydrozorbing | Standard | Excluded | Excluded |
| An additional premium is charged for the following activities. Please select those required by ticking the box when you get a quote Personal Accident and Public Liability covers are excluded and there is an additional £250 excess for Medical Expenses. |
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| Activity | Medical Excess | Personal Accident | Public Liability |
| American football | 250 | Excluded | Excluded |
| Bungee jump (max 3) | 250 | Excluded | Excluded |
| Gliding | 250 | Excluded | Excluded |
| Hang gliding | 250 | Excluded | Excluded |
| Motor cycling over 50cc | 250 | Excluded | Excluded |
| Parachuting | 250 | Excluded | Excluded |
| Paragliding/parapenting | 250 | Excluded | Excluded |
| Parascending (over land) | 250 | Excluded | Excluded |
| Rugby | 250 | Excluded | Excluded |
| Sand yachting | 250 | Excluded | Excluded |
| Ski diving | 250 | Excluded | Excluded |
| White/black water rafting Grade 5-6 | 250 | Excluded | Excluded |
| Yachting/crewing Outside Territorial Waters | 250 | Excluded | Excluded |
| BCU Canoeing/kayaking grades 1-3 | 250 | Standard | Standard |
| BCU Canoeing/kayaking grades 4-6 | 250 | Standard | Standard |
| All cover is EXCLUDED for the following activities. | |||
| Activity | Medical Excess | Personal Accident | Public Liability |
| Boxing | Excluded | Excluded | Excluded |
| Canyoning | Excluded | Excluded | Excluded |
| Caving/Cave Diving | Excluded | Excluded | Excluded |
| Flying as pilot | Excluded | Excluded | Excluded |
| Horse Jumping or racing | Excluded | Excluded | Excluded |
| Hunting/Shooting | Excluded | Excluded | Excluded |
| Hurling | Excluded | Excluded | Excluded |
| Martial arts competition | Excluded | Excluded | Excluded |
| Micro-lighting | Excluded | Excluded | Excluded |
| Motor racing | Excluded | Excluded | Excluded |
| Mountaineering | Excluded | Excluded | Excluded |
| Parasailing | Excluded | Excluded | Excluded |
| Point-to-point | Excluded | Excluded | Excluded |
| Polo | Excluded | Excluded | Excluded |
| Potholing | Excluded | Excluded | Excluded |
| Professional sports | Excluded | Excluded | Excluded |
| Quad biking | Excluded | Excluded | Excluded |
| Rock climbing | Excluded | Excluded | Excluded |
| Shark feeding/cage diving | Excluded | Excluded | Excluded |
| Steeplechasing | Excluded | Excluded | Excluded |
| Wrestling | Excluded | Excluded | Excluded |