Additional activities

The below list details activities included (some do require an additonal premium on the Fit4Travel cover). Please visit the Fit4Travel policy wording for full details on individual activites as some have specific conditions and alterations to cover / excess.

Activity Cover loading
Abseiling Medium Risk Activities - 50% loading
American football No Cover
Angling – Freshwater Standard Risk Activities - No additional Premium
Angling – Rock/Surf Medium Risk Activities - 50% loading
Archery Medium Risk Activities - 50% loading
Athletics – field events Medium Risk Activities - 50% loading
Badminton Standard Risk Activities - No additional Premium
Ballooning – hot air Medium Risk Activities - 50% loading
Banana boating – beach activity Standard Risk Activities - No additional Premium
Base jumping No Cover
Baseball Standard Risk Activities - No additional Premium
Basketball Standard Risk Activities - No additional Premium
Biathlon Medium Risk Activities - 50% loading
Big Game Hunting No Cover
Blade skating Medium Risk Activities - 50% loading
Black water rafting – grade 1 to 3 High Risk Activities - 100% loading
Black water rafting – grade 4 to 5 No Cover
BMX riding – stunt/obstacle No Cover
Bouldering Medium Risk Activities - 50% loading
Body boarding Standard Risk Activities - No additional Premium
Boxing No Cover
Bungee jumping High Risk Activities - 100% loading
Camel riding Medium Risk Activities - 50% loading
Canoeing – grade 1 to 3 Medium Risk Activities - 50% loading
Canoeing – grade 4 to 5 High Risk Activities - 100% loading
Canyoning No Cover
Cat skiing (when deemed as safe by resort management) Medium Risk Activities - 50% loading
Catamaran sailing – European waters only Medium Risk Activities - 50% loading
Cave tubbing No Cover
Caving / pot holing No Cover
Clay pigeon shooting Medium Risk Activities - 50% loading
Climbing (on a climbing wall only) Medium Risk Activities - 50% loading
Climbing over 4000 m No Cover
Cricket Medium Risk Activities - 50% loading
Curling Standard Risk Activities - No additional Premium
Cycling racing (training) Medium Risk Activities - 50% loading
Cyclo cross Refer to Fit For Travel
Deep sea fishing Medium Risk Activities - 50% loading
Drag racing No Cover
Dry Skiing Standard Risk Activities - No additional Premium
Endurance tests High Risk Activities - 100% loading
Fell walking Standard Risk Activities - No additional Premium
Fell running Standard Risk Activities - No additional Premium
Fencing Medium Risk Activities - 50% loading
Fishing – bank/river Standard Risk Activities - No additional Premium
Flying Standard Risk Activities - No additional Premium
Flying (learning to fly) No Cover
Football – American No Cover
Football – English Medium Risk Activities - 50% loading
Free mountaineering No Cover
Gaelic football High Risk Activities - 100% loading
Glacier walking No Cover
Gliding (learning to glide) No Cover
Gliding (no cover for crewing or piloting) Medium Risk Activities - 50% loading
Go karting up to 120cc Medium Risk Activities - 50% loading
Go karting over 120cc (MAXIMUM 250cc) High Risk Activities - 100% loading
Golf Standard Risk Activities - No additional Premium
Gymnastics High Risk Activities - 100% loading
Handball Standard Risk Activities - No additional Premium
Hang gliding High Risk Activities - 100% loading
Heptathlon – training only High Risk Activities - 100% loading
High diving (over 5 metres to a maximum of 10 metres) High Risk Activities - 100% loading
Hiking / trekking / walking (above 4000 metres) Refer to Fit For Travel
Hiking / trekking / walking (below 4000 metres) Standard Risk Activities - No additional Premium
Hockey High Risk Activities - 100% loading
Horse riding Medium Risk Activities - 50% loading
Horse jumping No Cover
Hurling Standard Risk Activities - No additional Premium
Ice diving No Cover
Ice hockey High Risk Activities - 100% loading
Ice skating Medium Risk Activities - 50% loading
Ice speedway High Risk Activities - 100% loading
Indoor climbing (on climbing wall) Medium Risk Activities - 50% loading
Jet boating Medium Risk Activities - 50% loading
Jet skiing Medium Risk Activities - 50% loading
Jousting No Cover
Judo High Risk Activities - 100% loading
Karate – training only High Risk Activities - 100% loading
Kayaking – up to grade 2 rivers only Medium Risk Activities - 50% loading
Kayaking – grade 3 -5 rivers only High Risk Activities - 100% loading
Kendo – training only High Risk Activities - 100% loading
Kite surfing High Risk Activities - 100% loading
Lacrosse High Risk Activities - 100% loading
Langlauf Medium Risk Activities - 50% loading
Luge / bobsleigh No Cover
Manual work – physical, labouring – – No macinery (above ground, below 5 meters high) High Risk Activities - 100% loading
Marathon running – training only Medium Risk Activities - 50% loading
Martial arts – training only High Risk Activities - 100% loading
Micro lighting High Risk Activities - 100% loading
Modern pentathlon – training only High Risk Activities - 100% loading
Motor cycle racing No Cover
Motor cycling under 125cc Medium Risk Activities - 50% loading
Motor cycling 125cc and over No Cover
Motor racing No Cover
Motor rallying No Cover
Mountain biking High Risk Activities - 100% loading
Mountaineering over 4000m No Cover
Netball Standard Risk Activities - No additional Premium
Orienteering Standard Risk Activities - No additional Premium
Overland trips (Safari) Medium Risk Activities - 50% loading
Paint balling Medium Risk Activities - 50% loading
Parachuting High Risk Activities - 100% loading
Paragliding / parapenting High Risk Activities - 100% loading
Parascending – over land High Risk Activities - 100% loading
Parascending – over water Medium Risk Activities - 50% loading
Polo Medium Risk Activities - 50% loading
Pony trekking Medium Risk Activities - 50% loading
Power boat racing No Cover
Professional sports of any kind No Cover
Quad biking under 125cc Medium Risk Activities - 50% loading
Quad biking 125cc and over No Cover
Racket ball Standard Risk Activities - No additional Premium
Rackets Standard Risk Activities - No additional Premium
Rambling Standard Risk Activities - No additional Premium
Rap jumping (within organisers guidelines) Medium Risk Activities - 50% loading
Rifle range shooting Medium Risk Activities - 50% loading
Ringos Standard Risk Activities - No additional Premium
River bugging Standard Risk Activities - No additional Premium
Rock Climbing No Cover
Rodeo No Cover
Roller hockey High Risk Activities - 100% loading
Roller skating / blading (No stunts) Standard Risk Activities - No additional Premium
Roller skating / blading (stunts) High Risk Activities - 100% loading
Rounders Standard Risk Activities - No additional Premium
Rowing (not racing) No Cover
Rugby High Risk Activities - 100% loading
Running Medium Risk Activities - 50% loading
Safari trekking in a vehicle (must be organised tour) Medium Risk Activities - 50% loading
Safari trekking on foot (must be organised tour) Medium Risk Activities - 50% loading
Safaris using guns No Cover
Sail boarding Standard Risk Activities - No additional Premium
Sailing – not crewing Medium Risk Activities - 50% loading
Sand dune surfing / skiing High Risk Activities - 100% loading
Scuba diving between 40m – 50m High Risk Activities - 100% loading
Scuba diving to 30m – 40m High Risk Activities - 100% loading
Scuba diving to 30m Medium Risk Activities - 50% loading
Sea kayaking High Risk Activities - 100% loading
Shark diving (in cage) High Risk Activities - 100% loading
Skateboarding (No stunts) Standard Risk Activities - No additional Premium
Skateboarding (Stunts) High Risk Activities - 100% loading
Ski – big foot skiing Standard Risk Activities - No additional Premium
Ski – bobsleighing No Cover
Ski – cross country skiing Standard Risk Activities - No additional Premium
Ski – dog sledging Standard Risk Activities - No additional Premium
Ski – dry slope skiing Standard Risk Activities - No additional Premium
Ski – glacier skiing No Cover
Ski – heli skiing (with a qualified guide) High Risk Activities - 100% loading
Ski – mono skiing Standard Risk Activities - No additional Premium
Ski – off piste skiing (when deemed as safe by resort management) Medium Risk Activities - 50% loading
Ski – sledging Standard Risk Activities - No additional Premium
Ski – snow-boarding Standard Risk Activities - No additional Premium
Ski acrobatics No Cover
Ski dooing No Cover
Ski jumping No Cover
Ski racing No Cover
Ski – skiing Standard Risk Activities - No additional Premium
Ski stunting No Cover
Ski touring Standard Risk Activities - No additional Premium
Sky diving High Risk Activities - 100% loading
Sledging – pulled by horse or reindeer as a passenger Standard Risk Activities - No additional Premium
Small bore target shooting Standard Risk Activities - No additional Premium
Snorkelling to a maximum depth of 10 metres Standard Risk Activities - No additional Premium
Softball Standard Risk Activities - No additional Premium
Speed skating High Risk Activities - 100% loading
Squash Standard Risk Activities - No additional Premium
Street hockey High Risk Activities - 100% loading
Surfing Standard Risk Activities - No additional Premium
Table tennis Standard Risk Activities - No additional Premium
Ten pin bowling Standard Risk Activities - No additional Premium
Tennis Standard Risk Activities - No additional Premium
Trampolining Medium Risk Activities - 50% loading
Triathlon – training High Risk Activities - 100% loading
Tug of War Standard Risk Activities - No additional Premium
Volleyball Standard Risk Activities - No additional Premium
Wake-boarding Standard Risk Activities - No additional Premium
Walking / hiking / trekking up to 3000 metres Refer to Fit For Travel
War games / paint balling Medium Risk Activities - 50% loading
Water polo Standard Risk Activities - No additional Premium
Water ski jumping No Cover
Water skiing Standard Risk Activities - No additional Premium
Weight lifting No Cover
White water canoeing – grade 1 to 3 Refer to Fit For Travel
White water rafting – grade 1 to 3 Medium Risk Activities - 50% loading
White water rafting – grade 4 to 5 Medium Risk Activities - 50% loading
Wind-surfing Standard Risk Activities - No additional Premium
Wrestling No Cover
Yachting (within European waters) Medium Risk Activities - 50% loading
Yachting (involving racing and / or outside territorial waters) No Cover
Zorbing Standard Risk Activities - No additional Premium