Choose the right sports cover level
Holidays are a great time to get active and over 100 sports are covered as Standard on all of our policies at no extra cost. However, for the more adventurous activities, extra sports travel insurance cover (referred to as Sports Grades) will need to be added to your Single Trip, Annual Multi Trip or Backpacker policy so that you can have fun the safe way.
What are Sports Grades?
For the purpose of our policies, sports and hazardous activities are assigned to a Sports Grade which corresponds to the level of risk involved. The more extreme your sport, the higher the Sports Grade you'll need for your travel insurance. We also provide extreme sports travel insurance for activities such as that bungee jump in Australia.
- Sports Grade 1 - Activities like cycling, jet-skiing and kayaking don't require extra cover, we cover 110 sports at no extra cost
- Sports Grade 2 - Activities like bungee jumping, safari and motorcycling (and more) require extra sports cover to be added to your policy
- Sports Grade 3 - Activities like paragliding and tandem sky diving require extra sports cover to be added to your policy
- Sports Grade 4 - High risk activities such as off piste skiing, canyoning and rock climbing require the highest level of sports cover
Sports Grade 1
- Aerobics
- Archery
- Archeological Digging
- Assault Course
- Badminton (amateur)
- Banana Boating
- Bar Restaurant Work
- Baseball
- Basketball
- Beach games
- Billiards / Snooker / Pool
- Blade Skating
- Bowls
- Camel Riding
- Canoeing (grade 3)
- Catamaran Sailing
- Clay Pigeon Shooting
- Climbing (on climbing wall only)
- Cricket (amateur)
- Croquet
- Curling
- Cycling (not racing)
- Deep Sea Fishing
- Dinghy Sailing
- Dry Skiing
- Elephant Riding
- Falconry
- Fell Walking/Running (under 2,500 metres altitude)
- Fencing
- Fishing
- Fives
- Flow Riding
- Flying on a public scheduled flight with a fully licensed Airline for the purposes of transporting passengers
- Football (amateur, not main purpose of trip)
- Fruit / Vegetable Picking (nonmechanical)
- Glass Bottom Boats / Bubbles
- Go Karting
- Golf (amateur)
- Handball
- Helicopter Tours (fare paying with a maximum duration of 2 hours)
- Hill Walking (under 2,500 metres altitude)
- Hiking (Under 2,000 metres altitude)
- Hockey (field hockey not ice hockey)
- Horse Riding (no Polo, Hunting, Jumping or Racing)
- Hot Air Ballooning (organised pleasure rides only)
- Hot Dogging (grades 1 - 3)
- Hovercraft Driving / Passenger
- Ice Skating (1 day max per trip)
- Inner Tubing
- Jet Boating (no racing)
- Jet Skiing (no racing)
- Jogging
- Kayaking (up to Grade 3, Rivers, Sea)
- Kite Surfing
- Korfball
- Marathon Running (amateur)
- Motorcycling & Mopeds up to 50cc (no racing)
- Netball (amateur)
- Octopush
- Orienteering
- Outwardbound Pursuits
- Paintballing
- Parascending (over water)
- Pony Trekking
- Power Boating (no racing / competition)
- Quad Biking
- Raquetball
- Rambling (under 2,500 metres)
- Refereeing
- Ringos
- River Canoeing
- Roller Blading (Line Skating / Skateboarding)
- Rounders
- Rowing
- Running, Sprint / Long distance (amateur)
- Safari (Ireland / UK organised)
- Sail Boarding
- Sailing (in territorial waters only)
- Sandboarding
- Sand Dune Surfing / Skiing
- Sand Yachting
- Scuba Diving (to a maximum of 20 metres)
- Shooting small bore / target
- Sledging
- Snorkelling
- Soft Ball
- Speed Sailing
- Squash
- Students working as counsellors/exchange
- Surfing
- Swimming
- Swimming With dolphins
- Table Tennis
- Tall Ship Crewing
- Tennis (amateur)
- Tenpin Bowling
- Trampolining
- Track Events
- Tree Canopy Walking
- Trekking (up to 2,500 metres)
- Tug of War
- Volleyball (amateur)
- Wake Boarding
- Walking (under 2,500 metres altitude)
- War Games (wearing eye protection)
- Waterpolo
- Water Skiing
- Whale Watching
- White Water Rafting as an organised activity (Grades 1 to 3 only)
- Windsurfing (amateur)
- Wind Tunnel Flying (pads and helmets)
- Yachting (if qualified or as part of an organised activity)
- Zorbing
Sports Grade 2
- Black Water Rafting as an organised activity (grades 1-3 only)
- Boxing Training (co contact)
- Bungee Jump (up to a maximum of 3 jumps per trip)
- Dog Sledging
- Fell Walking/Running (between 2,501 and 4,000 metres altitude)
- Hiking (between 2,501 and 4,000 metres altitude)
- Hill Walking (between 2,501 and 4,000 metres altitude)
- Hurling (amateur)
- Manual Labour (ground level only, no machinery)
- Martial Arts (training only)
- Motorcycling (between 50cc and 125cc)
- Mountain Biking (NOT BMX on or off road) and not downhill racing
- Rambling / Trekking (between 2,501 metres and 4,000 metres)
- Safari (non Ireland / UK organised)
- Scuba Diving (to a maximum depth of 30 metres)
- Sea Canoeing
- Trekking (between 2,501 and 4,000 metres altitude)
- Triathlon
- Walking (between 2,501 and 4,000 metres altitude)
Sports Grade 3
- Abseiling
- American Football (amateur)
- Black Water Rafting (Grades 4-6)
- Gaelic Football
- Gliding
- Paragliding
- Parascending (over land)
- Rugby (amateur)
- Scuba Diving (to a maximum of 50 metres)
- Spear Fishing (without air tanks)
- Tandem Sky Dive (up to a maximum of 2 jumps per trip)
Sports Grade 4
- Canyoning
- Caving
- Gorge Walking
- Hang Gliding
- High Diving (on an amateur basis and excludes cliff diving)
- Horse Jumping (no Polo, Hunting)
- Micro Lighting
- Mountain Biking - downhill racing (NOT BMX on or off road)
- Parasailing
- Rock Climbing (under 2,000 metres)
- Rock scrambling (under 4,000 metres)
- Off-Piste without a guide
- Trekking (between 4,001 metres and 6,000 metres)
- Via Ferrata
Sports and Activities Insurance
To add extra sport and activity cover:
Get a quote using the form above and once you have chosen your level of cover you will be given the option to add extra cover. Here you will be able to add the sports and activities in which you will be participating.
Winter sports travel insurance
We can provide cover for more than 25 different winter sports including ski travel insurance for on and off-piste skiing. As you make your way through the booking process you will be able to add specialised snow sports cover to your policy giving you extra protection for equipment, mountain rescue, helicopter rescue and repatriation.
Sports Injuries Medical Cover
In the event of a claim, you will be fully covered for any medical costs incurred as a result of an injury while participating in the sport that you have selected to cover. Please note that we can only provide cover for a sport in a non-professional capacity.
You may be interested in this magazine article..
Top 10 Extreme Sports
Are you an adrenalin junkie? These Top 10 Extreme Sports are guaranteed to get anyone's heart pumping. Read More
