Activity and Sports Cover

Below is the list of Activities in Category 1 that will be covered as standard within all policies subject to the terms, conditions and exclusions within this policy. Please note restrictions apply to Activities marked with an asterisk or asterisks. Activities marked with (*) have NO cover under Section H – Personal Liability. Activities marked with two asterisks (**) have NO cover under Section C – Personal Accident.

Below is the list of Activities in Category 2 that will be covered as standard within all policies subject to the terms, conditions and exclusions within this policy and an excess of €150 applies. Please note restrictions apply to all Category 2 Activities and all Activities shown have NO cover under Section C – Personal Accident and NO cover under Section H – Personal Liability

Below is the list of Activities in Category 3 that will be covered under this insurance policy if the policyholder has paid the appropriate additional premium and this has been noted on the Validation Certificate, subject to the terms, conditions and exclusions within this policy. Please note the restrictions that apply to individual Activities and note that the following restrictions apply to all Activities shown below: All Activities have NO cover under Section C – Personal Accident and NO cover under Section H – Personal Liability.

Below is the list of Activities in Category 4 that will be covered under this insurance policy if the policyholder has paid the appropriate additional premium and this has been noted on the Validation Certificate, subject to the terms, conditions and exclusions within this policy. Please note the restrictions that apply to individual Activities and note that the following restrictions apply to all Activities shown below: All Activities must be carried out within organiser’s guidelines and will only be covered as part of a pre-arranged/organised activity led or instructed by professional guides or organisers. All Activities have NO cover under Section C – Personal Accident and NO cover under Section H – Personal Liability.

Below are the list of activities included under the Winter Sports Cover Extension that are covered as standard within all policies, subject to the terms, conditions and exclusions within this policy. Please note however that the following restrictions apply: Activities marked with three asterisks (***) have NO cover under Section H Personal Liability and must be carried out within organisers guidelines and will only be covered as part of an pre-arranged/organised activity led or instructed by professional guides or organisers. In addition to the above restriction, Husky Dog Activities have NO cover under Section C Personal Accident

This insurance is extended to cover you whilst engaging in underwater activities requiring the use of artificial breathing apparatus (scuba) subject to you being approved as medically fit to dive by the person or company who/which has organised the diving, and subject otherwise to all terms, conditions, exclusions and limitations of this insurance.

What is not covered:

This insurance does not cover claims directly or indirectly arising from, happening through or as a result of:

Diving by persons not holding a recognised certificate for the type of diving being undertaken, or not under professional instruction.
Diving without proper equipment and/or contrary to codes of good practice according to bona fide organisations such as PADI or BSAC.
Diving to depths greater than 30 metres (or 50 metres if additional premium paid).
Solo diving or night diving or specifically organised cave diving or diving for hire or reward.
Flying within 24 hours of last dive or diving whilst suffering from a cold, influenza, infection or obstruction of the sinuses or ears.
Diving by persons aged under 12 years of age or over 65.
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