Sports & Activities

Do you have a medical condition?

If you have any medical conditions at all, such as asthma, high blood pressure, depression or diabetes you must declare them to make sure your cover is valid.

Medical conditions information

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Will my policy cover sports & activities whilst on my holiday?

A to Z Insurance will cover a number of different sports and activities as standard within our policies on your holiday, however there will be some that require an additional premium to be paid. Below are a list of activities that are covered or excluded in our policies.

If you have any questions or cannot see your activity listed, please contact the A to Z Insurance customer helpline where our call centre will be happy to help.

Please check policy wording for more information.

The following activities are covered under our Essential, Standard and Premium policies:

Aerobics
Athletics (amateur)
Badminton
Banana Boating
Bar Work
Baseball
Basketball
Board Sailing (Windsurfing)
Body Boarding
Boogie Boarding
Bridge Walking e.g. Sydney Harbour Bridge
Canoeing/Kayaking - up to Grade 2 rivers only
Canopy Walking
Cricket
Curling
Cycling (not main purpose of trip - recreational only, no racing or competitions)
Fell Running/Walking
Fishing
Football/Soccer (non competitive)
Golf
Gymnastics (no competitions)
Hiking/Trekking/Walking under 2,500m
Ice Skating
Non-Manual Work. This includes work such as administrative and clerical duties, bar and restaurant work, fruit picking (not using machinery), musicians and singers.
Marathon Running
Mountain Biking (recreational including general cross country and off road cycling)
Paddle Boarding
Rambling
Restaurant Work
River Tubing (up to grade 2 rivers and not through caves)
Roller Skating/Blading (wearing pads and helmets)
Safari (professionally organised and without guns)
Sailing (inland waters or coastal waters within 12 miles of land)
SCUBA Diving (down to 30m accompanied by a qualified diver or instructor)
Sleigh Rides pulled by a horse or reindeer, as a passenger with a professional driver
Snorkelling
Softball
Squash
Surfing
Swimming
Swimming with dolphins
Tennis
Trampolining
Volleyball
Water Skiing (no jumping)
Water Polo
Windsurfing
Zip Lining/Wiring

The following activities are covered under our Essential, Standard and Premium policies. However, no cover is provided under the personal accident and personal liability:

Archery
Canoeing / Kayaking (up to grade 3 rivers only)
Fencing
Flotilla Sailing (with professional leader)
Go Karting
Hot Air Ballooning (organised pleasure rides only)
Indoor Climbing (sport climbing with belays)
Jet Boating (as a passenger only and no racing)
Motorcycling as a rider or passenger on a machine 125cc or under (You must wear a crash helmet and, as a rider, have held a motorcycle licence for at least 3 years and are conviction free)
Paint Balling (eye protection must be worn)
Parascending over water
Rowing (no racing)
Segway Riding (organised tours only and a safety helmet must be worn)
Zorbing

The following activities may be covered following payment of additional premium for the Sports and Activities cover.

Abseiling (within organiser’s guidelines)
Black Water Rafting
Land Skiing (not on snow)
Octopush
Rap Jumping/Running (within organiser’s guidelines)
Safari Trekking on foot (must be organised tour booked in the United Kingdom)
Sea Kayaking
White Water Rafting (up to grade 3 within organiser’s guidelines)

The following sports and activities are excluded in our policies:

Base Jumping
Big Game Hunting
BMX Stunt Riding
Bouldering
Boxing
Canyoning
Caving / Pot Holing
Coasteering
Cycle Racing
Flying except as a fare paying passenger in a licensed passenger carrying aircraft
Free / High Diving
Gliding
Hang Gliding
Judo / Karate / Martial Arts
Kite Surfing
Lacrosse
Manual Work
Micro Lighting
Motorcycling as a rider or passenger on a machine over 125cc
Mountaineering
Parachuting
Paragliding
Parascending over land
Polo
Professional / Semi Professional Sports
Quad Biking
Rock Climbing
Sailing outside territorial waters
Scuba Diving below 30m
Shark Cage Diving
Shark Diving
Tombstoning
Track Days using motorised vehicles
Water Ski Jumping
Weightlifting
White Water Rafting (grade 4 and above)
Wrestling

For all sports and activities, participation in competition is excluded unless agreed by us.

You can also check the full list of sports and activities that are covered and all the terms and conditions by visiting our policy information page, where you can find the full range of policy wordings for our Essential, Standard and Premium levels of cover.

Choose from three levels of cover

Below is a summary of some of the cover that is included as standard in A to Z policies. Terms, conditions, exclusions and sub-limits may apply. Please check our policy wording for full details. Other optional extras can be added as you go through the website, including Cruise, Winter Sports, Golf, Wedding, Enhanced Gadget, Excess Waiver and Rental Vehicle Excess Waiver Cover.

Included in this cover	Essential	Standard	Premium
Emergency medical and repatriation expenses	£10m	£15m	£20m
Excess	£100	£75	£50
Cancellation	£1,000	£3,000	£5,000
Curtailment (cutting your trip short)	£1,000	£3,000	£5,000
Personal possessions (baggage)	£1,000	£2,000	£3,000
Personal money	£500	£750	£1,000
Gadget damage, theft, loss	£500	£750	£1,000
Personal accident
Missed departure	£300	£1,000	£1,250
Missed connection	£250	£750	£1,000
Personal liability	£2m	£2m	£2m
Legal costs and expenses	£25,000	£25,000	£25,000
Passport and other documents	£150	£200	£250
Event tickets	£150	£200	£250