Last updated on 21st June 2021
Choose the right sports cover level
Holidays aren't always about relaxing - many people take a trip away with the intention of getting active, and that's why we cover over 100 sports as standard on our policies. However, for more adventurous activities it's important that you ensure you have the correct cover in place for your activity. We offer four different grades of sports cover in order to help you tailor your insurance according to risk factor.
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. These need to be added onto the insurance you are purchasing - whether you're after a Single Trip, an Annual Multi Trip or even a Backpacker policy - in order that you can enjoy an activity-filled vacation knowing that you're covered. The more extreme your sport, the higher the Sports Grade you'll need for your travel insurance - for example, if you wanted to do bungee jumping you would opt for Sports Grade 3 as it would be considered a relatively high-risk activity, whilst cycling is covered at no extra cost.
It's really important that your insurance covers you for every sport you partake in so please be sure you choose the right policy - the more extreme the sport you undertake, the higher your premium is likely to be, but if you opt for the cheapest price you may find you're not covered for higher risk activities.
Use our quick summary below to compare each Sports Grade and what it can offer. It can be really beneficial to have an idea of the activities you're planning to participate in, as you'll be able to identify which Grade your planned activity falls under prior to your holiday.
- Sports Grade 1 - Our Grade 1 travel insurance pack covers over 100 sports for free. Activities like jet-skiing and kayaking are included with this free cover, you just need to select this option when booking. If you're in doubt whether you require an additional level of activity cover, check in the policy wording to see which level meets your needs.
- Sports Grade 2 - Add this level of cover to your policy for activities such as bungee jumping, safari and motorcycling (and more)
- Sports Grade 3 - You'll require this level of cover for activities like paragliding, rugby and tandem sky diving
- Sports Grade 4 - This is our maximum level of sports cover - you should opt for this if you're planning on taking part in high risk activities such as off piste skiing, canyoning and rock climbing
If any of the activities you plan to undertake during your adventure fall under Sports Grade 2, 3 or 4, you to will have to add extra cover to your quote. Adding the extra cover for your planned activities couldn't be simpler - on the last page before payment, you will be given a list of extras to add to your policy. Simply tick the box to indicate you wish to add 'hazardous activity' cover to your policy, enter the sports you are planning to participate in and we will work out your premium.
You can even see the difference in price as you add each sport you wish to cover, meaning that if you pick a sport which pushes your cover higher than your budget will allow, you'll be able to reevaluate the activities you have planned to ensure your policy works out at a price which suits you.
- Abseiling - Grade 3
- Aerobics - Grade 1
- American Football (amateur) - Grade 3
- Archery - Grade 1
- Archeological Digging - Grade 1
- Assault Course - Grade 1
- Badminton (amateur) - Grade 1
- Banana Boating - Grade 1
- Bar Restaurant Work - Grade 1
- Baseball - Grade 1
- Basketball - Grade 1
- Beach games - Grade 1
- Billiards / Snooker / Pool - Grade 1
- Black Water Rafting as an organised activity (grades 1-3 only) - Grade 2
- Black Water Rafting (Grades 4-6) - Grade 3
- Blade Skating - Grade 1
- Bowls - Grade 1
- Boxing Training (co contact) - Grade 2
- Bungee Jump (up to a maximum of 3 jumps per trip) - Grade 2
- Camel Riding - Grade 1
- Canoeing (grade 3) - Grade 1
- Canyoning - Grade 4
- Catamaran Sailing - Grade 1
- Caving - Grade 4
- Clay Pigeon Shooting - Grade 1
- Climbing (on climbing wall only) - Grade 1
- Cricket (amateur) - Grade 1
- Croquet - Grade 1
- Curling - Grade 1
- Cycling (not racing) - Grade 1
- Deep Sea Fishing - Grade 1
- Dinghy Sailing - Grade 1
- Dry Skiing - Grade 1
- Dog Sledging - Grade 2
- Elephant Riding - Grade 1
- Falconry - Grade 1
- Fell Walking/Running (under 2,500 metres altitude) - Grade 1
- Fell Walking/Running (between 2,501 and 4,000 metres altitude) - Grade 2
- Fencing - Grade 1
- Fishing - Grade 1
- Fives - Grade 1
- Flow Riding - Grade 1
- Flying on a public scheduled flight with a fully licensed Airline for the purposes of transporting passengers - Grade 1
- Football (amateur, not main purpose of trip) - Grade 1
- Fruit / Vegetable Picking (nonmechanical) - Grade 1
- Gaelic Football - Grade 3
- Glass Bottom Boats / Bubbles - Grade 1
- Gliding - Grade 3
- Go Karting - Grade 1
- Golf (amateur) - Grade 1
- Gorge Walking - Grade 4
- Handball - Grade 1
- Hang Gliding - Grade 4
- Helicopter Tours (fare paying with a maximum duration of 2 hours) - Grade 1
- High Diving (on an amateur basis and excludes cliff diving) - Grade 4
- Hiking (Under 2,000 metres altitude) - Grade 1
- Hiking (between 2,501 and 4,000 metres altitude) - Grade 2
- Hill Walking (under 2,500 metres altitude) - Grade 1
- Hill Walking (between 2,501 and 4,000 metres altitude) - Grade 2
- Hockey (field hockey not ice hockey) - Grade 1
- Horse Jumping (no Polo, Hunting) - Grade 4
- Horse Riding (no Polo, Hunting, Jumping or Racing) - Grade 1
- Hot Air Ballooning (organised pleasure rides only) - Grade 1
- Hot Dogging (grades 1 - 3) - Grade 1
- Hovercraft Driving / Passenger - Grade 1
- Hurling (amateur) - Grade 2
- Ice Skating (1 day max per trip) - Grade 1
- Inner Tubing - Grade 1
- Jet Boating (no racing) - Grade 1
- Jet Skiing (no racing) - Grade 1
- Jogging - Grade 1
- Kayaking (up to Grade 3, Rivers, Sea) - Grade 1
- Kite Surfing - Grade 1
- Korfball - Grade 1
- Manual Labour (ground level only, no machinery) - Grade 2
- Marathon Running (amateur) - Grade 1
- Martial Arts (training only) - Grade 2
- Micro Lighting - Grade 4
- Motorcycling & Mopeds up to 50cc (no racing) - Grade 1
- Motorcycling (between 50cc and 125cc) - Grade 2
- Mountain Biking (NOT BMX on or off road) and not downhill racing - Grade 2
- Mountain Biking - downhill racing (NOT BMX on or off road) - Grade 4
- Netball (amateur) - Grade 1
- Octopush - Grade 1
- Off-Piste without a guide - Grade 4
- Orienteering - Grade 1
- Outwardbound Pursuits - Grade 1
- Paintballing - Grade 1
- Parasailing - Grade 4
- Parascending (over water) - Grade 1
- Parascending (over land) - Grade 3
- Pony Trekking - Grade 1
- Power Boating (no racing / competition) - Grade 1
- Rambling / Trekking (between 2,501 metres and 4,000 metres) - Grade 2
- Raquetball - Grade 1
- Rambling (under 2,500 metres) - Grade 1
- Refereeing - Grade 1
- Ringos - Grade 1
- River Canoeing - Grade 1
- Rock Climbing (under 2,000 metres) - Grade 4
- Rock Scrambling (under 4,000 metres) - Grade 4
- Roller Blading (Line Skating / Skateboarding) - Grade 1
- Rounders - Grade 1
- Rowing - Grade 1
- Rugby (amateur) - Grade 3
- Running, Sprint / Long distance (amateur) - Grade 1
- Safari (Ireland / UK organised) - Grade 1
- Safari (non Ireland / UK organised) - Grade 2
- Sail Boarding - Grade 1
- Sailing (in territorial waters only) - Grade 1
- Sandboarding - Grade 1
- Sand Dune Surfing / Skiing - Grade 1
- Sand Yachting - Grade 1
- Scuba Diving (to a maximum of 20 metres) - Grade 1
- Scuba Diving (to a maximum depth of 30 metres) - Grade 2
- Scuba Diving (to a maximum of 50 metres) - Grade 3
- Sea Canoeing - Grade 2
- Shooting small bore / target - Grade 1
- Sledging - Grade 1
- Snorkelling - Grade 1
- Soft Ball - Grade 1
- Spear Fishing (without air tanks) - Grade 3
- Speed Sailing - Grade 1
- Squash - Grade 1
- Students working as counsellors/exchange - Grade 1
- Surfing - Grade 1
- Swimming - Grade 1
- Swimming With dolphins - Grade 1
- Table Tennis - Grade 1
- Tall Ship Crewing - Grade 1
- Tandem Sky Dive (up to a maximum of 2 jumps per trip) - Grade 3
- Tennis (amateur) - Grade 1
- Tenpin Bowling - Grade 1
- Trampolining - Grade 1
- Track Events - Grade 1
- Tree Canopy Walking - Grade 1
- Trekking (up to 2,500 metres) - Grade 1
- Trekking (between 2,501 and 4,000 metres altitude) - Grade 2
- Trekking (between 4,001 metres and 6,000 metres) - Grade 4
- Triathlon - Grade 2
- Tug of War - Grade 1
- Via Ferrata - Grade 4
- Volleyball (amateur) - Grade 1
- Wake Boarding - Grade 1
- Walking (under 2,500 metres altitude) - Grade 1
- Walking (between 2,501 and 4,000 metres altitude) - Grade 2
- War Games (wearing eye protection) - Grade 1
- Waterpolo - Grade 1
- Water Skiing - Grade 1
- Whale Watching - Grade 1
- White Water Rafting as an organised activity (Grades 1 to 3 only) - Grade 1
- Windsurfing (amateur) - Grade 1
- Wind Tunnel Flying (pads and helmets) - Grade 1
- Yachting (if qualified or as part of an organised activity) - Grade 1
Sports and Activities Insurance
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
Should you sustain any serious illness or bodily injury during participation in a sport you have chosen to cover, you'll benefit from our Emergency Assistance Service which operates 24 hours a day, 365 days a year. This service provides professional advice and assistance, as well as being able to make arrangements for hospital admission, repatriation and authorisation of medical expenses. Please note we can only provide cover for sport in a non-professional capacity.
