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Activity List

Activity List

This is a list of sport and activities and some important information
relating to the Atlas Insurance Policy.

When you’re away on holiday, you invariably end up doing some sort of activity, whether it’s skiing or Jet-skiing. There are some activities that we include free of charge and these are detailed in the Hazardous Activities list below. The Online Quotation also provides the option to purchase cover for more dangerous sports.

Hazardous Activities – Grade 1 – No Additional Charge

You are covered under Section 2 – Medical Emergency and Repatriation and Section 12 – Personal Accident for the following activities automatically, provided that the activity is on an Incidental basis. You do not need to contact us to have these added.

Abseiling Netball
Angling Non manual work (including professional administrative or clerical duties only.)
Archery Orienteering (no climbing)
Badminton Paintballing (with eye protection)
Banana boat rides Parascending/parasailing (over water)
Baseball Pony trekking – riding hat must be worn
Basketball Racquetball
Beach games Rambling (under 2000m altitude)
Blade skating Rifle range
Bowls River canoeing up to Grade 3 – life jacket and helmet must be worn
Bungee jump (1) Roller skating – wearing helmet and pads
Camel / Elephant riding Roller blading – wearing helmet and pads
Canoeing (Up to Grade 3) – life jacket and helmet must be worn Rounders
Clay pigeon shooting Rowing
Cricket Running-sprint/long distance
Curling Safari (UK organised)
Cycling (excluding BMX, Mountain biking) – helmet must be worn Sail boarding
Cycle touring – helmet must be worn Scuba diving* down to 30 metres if qualified and not diving alone or accompanied by a qualified instructor (see notes below)
Deep sea fishing Skate boarding
Fell walking/running (no climbing) Snorkelling
Fencing Squash
Football Street hockey
GAA Football Surfing (under 14 days)
Golf Tennis
Gorilla trekking Tour operator safari
Gymnastics Track events
Heptathlon Trekking (under 2,000 metres altitude)
Hiking (under 2,000 metres altitude) Volleyball
Hockey War games – wearing eye protection
Horse riding (riding hat must be worn, no jumping, no competitions) Water polo
Hot air ballooning (no safari) – organised pleasure rides only Water Skiing
Jet boating (passenger only) White water rafting (up to Grade 3) – life jacket and helmet must be worn
Jet ski-ing Windsurfing
Jogging Yachting/Dinghy Sailing/Catamaran – Sailing (racing/crewing inside territorial waters)
Kayaking (Up to Grade 3) – life jacket and helmet must be worn Yoga
Manual Work (Bar and restaurant, waitress, waiter, chalet-maids, au pair and nanny’s and occasional light manual work including retail work and fruit picking but excluding the use of power tools and machinery)  
Marathon running
Motorcycling up to 50cc on public roads provided You wear a safety helmet and possess a licence which would allow You to ride an equivalent motorcycle in the UK – no racing
*Scuba diving – scuba diving to the following depths. Provided You are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving or training agency or organisation and not diving alone:

PADI Open Water – 18 metres
PADI Advanced Open Water – 30 metres**
PADI Deep Dive Speciality – 30 metres**
BSAC Ocean Diver – 20 metres
BSAC Sports Diver – 30 metres**
BSAC Dive Leader – 30 metres**
SSI Open Water Diver – 18 metres**
SSI Advanced Open Water – 30 metres**
SSAC Sports Diver – 30 metres**
**For the purpose of diving under sports and activities Grade 1.
We must agree with any equivalent qualification.
If You do not hold a qualification, We will only cover You to dive to a depth of 18 metres.
You will not be covered under this policy if You travel by air within 24 hours of participating in scuba diving.

Hazardous Activities – Grade 2 – subject to an additional preminum

You can be covered under the Section 2 – Medical Emergency and Repatriation and Section 12 – Personal Accident for the following activities provided that the activity is on an Incidental basis (unless stated otherwise below) and subject to an additional premium being paid and shown on the validation certificate.

Medical Excess increased to £250
Personal Accident reduced by 50%
Personal Liability Cover is Excluded
Black water rafting (Grade 1 to 4) Life jacket and Helmet must be worn Jet Skiing (non Incidental)
Boxing Training (no contact) Kite Surfing
Bungee Jump (up to 3) Lacrosse
Dry Ski-ing Martial Arts (No contact – Training only)
Go-karting (within organisers guidelines) Sandboarding
Horse riding (over 7 days. no Polo, Hunting or Jumping)
riding hat must be worn
Safari (non-UK organised)
Hurling Waterskiing(non Incidental)
Ice Skating Windsurfing (non Incidental)

Hazardous Activities – Grade 3 – subject to an additional preminum

You can be covered under the Section 2 – Medical Emergency and Repatriation and Section 12 – Personal Accident for the following activities provided that the activity is on an Incidental basis (unless stated otherwise below) and subject to an additional premium being paid and shown on the validation certificate.

Medical Excess increased to £500
Personal Accident reduced by 50%
Personal Liability Cover is Excluded
Motorcycling over 50cc (no racing) provided You wear a safety helmet and possess a licence which would allow You to ride an equivalent motorcycle in the UK. Rugby
Mountain Biking(wearing safety gear) Sand Yachting(amateur competition)
Yachting/Dinghy Sailing/Catamaran Sailing (racing/crewing outside territorial waters)

Hazardous Activities – Grade 4 – subject to an additional preminum

You can be covered under the Section 2 – Medical Emergency and Repatriation and Section 12 – Personal Accident for the following activities provided that the activity is on an Incidental basis (unless stated otherwise below) and subject to an additional premium being paid and shown on the validation certificate.

Medical Excess increased to £500
Personal Accident reduced by 50%
Personal Liability Cover is Excluded
Canyoning Parasailing/parascending(over land, non Incidental)
High diving under 5m (no cliff diving) Rock climbing (under 2000m)
Horse jumping (no polo, no hunting – riding hat must be worn) Rock scrambling (under 4000m)
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