Sports & activities travel insurance
OULdirect.com can provide great value cheap travel insurance cover for lots of sports and activities that you might want to enjoy on holiday. It is vital to make sure that you have the appropriate travel insurance cover for any adventure sports or activities before you travel.
Get a Quote
OUL Direct can provide the following sports travel insurance cover
- Cover for over 50 sports and adventurous activities as standard e.g. tennis, cycling, scuba diving up to 18m, water skiing with 12 nautical miles of shore & surfing.
- Option to add extra cover for over 100 sports and adventurous activities e.g. rugby, horse riding, bungee jumping, hot air ballooning & white water rafting.
Adding sports & activities: What is covered
Adding the appropriate level of activity cover will extend Section B1: Curtailment and Section B2: Medical expenses to provide cover for you whilst taking part in hazardous activities for recreational purposes only, where the activity is not the sole purpose of your trip. (In this instance, sole purpose shall mean taking part in hazardous pursuits on more than 50% of the number of days of your booked trip).
No cover is provided for taking part in competitions or in any professional capacity.
Please note. You will not be covered under Section B9: Personal Liability, whilst taking part in hazardous activities or sports.
For full terms and conditions and a list of all the sports and activities that can be covered please read our policy wording.
See which sports and activities can be covered as standard, and which can be added to your travel insurance policy.
View list of sports and activities
Hazardous Activities Category A
Your cover automatically includes the Activities listed below at no additional cost.
Cover for the following activities that are considered to be Hazardous Pursuits is included provided they are incidental to the trip (not sole purpose) and for recreational purposes only, not for competitions or any professional activity.
For the purpose of Hazardous Pursuits SOLE PURPOSE shall mean: taking part in any hazardous Pursuits on more than 50%, of the number of days of your booked trip.
Personal Liability Cover does not apply when participating in any Hazardous Activities.
- Angling/Fishing (Fresh Water)
- Archery*
- Badminton
- Bamboo Rafting
- Banana Boating
- Baseball
- Basketball
- Beach Games
- Billiards
- Blade Skating
- Board Sailing-Inshore only
- Boating
- Body Boarding- Inshore only
- Boogie Boarding- Inshore only
- Bowls
- Canoeing
- Catamaran Sailing- Inshore only
- Clay Pigeon Shooting*
- Cricket
- Croquet
- Cross Country Running
- Curling
- Cycling (excluding off-road, BMX or Mountain Biking)
- Dancing
- Darts
- Dinghy Sailing
- Disc Golf
- Doughnut
- Dragon Boat Racing
- Fell walking up to 2000 metres
- Fruit or Vegetable Picking (under 3 metres)
- Glass Bottom Boats
- Goalball
- Golf
- Handball
- Hiking up to 2000 metres(excluding the use of picks, ropes and guides)
- Hobbie Catting* - Inshore only
- Ice-skating (rink only)
- Jet Biking - Inshore only*
- Jet Boating - Inshore only*
- Jet Skiing - Inshore only*
- Jogging
- Kayaking- Inshore only and up to white water grade 3
- Kite Boarding
- Kite Surfing
- Korfball
- Laser Tag
- Low Ropes
- Motorcycling up to 50cc (Excluding Quad biking)
- Netball
- Non-Manual Labour – excluding Animal Sanctuary/Refuge work
- Orienteering
- Parascending (towed by boat)
- Pilates
- Pony Trekking
- Pool
- Power Boating -Inshore only
- Rackets
- Racquet Ball
- Rafting - Inshore only and up to white water grade 3
- Rambling up to 2000 metres(excluding the use of picks, ropes and guides)
- Roller skating
- Rounder’s
- Rowing
- Sail Boarding -Inshore only
- Sailing- Inshore
- Scuba diving* (up to 18 metres)
- Sea Fishing (From Shore)
- Snooker
- Snorkelling
- Softball
- Spinning
- Squash
- Surfing - Inshore only
- Swimming - (Pool and within a marked area with a lifeguard only)
- Swimming off a boat (with a qualified supervisor in attendance i.e a lifeguard)
- Swimming with dolphins
- Sydney Harbour Bridge Climbing (Professional, organised and supervised)
- Table tennis
- Ten Pin Bowling
- Tennis
- Theme Parks
- Trampolining
- Trekking up to 2000 metres(excluding the use of picks, ropes and guides)
- Tubing
- Tug of War
- Volleyball
- Wakeboarding
- Walking up to 2000 metres(excluding the use of picks, ropes and guides)
- Water Parks
- Water Polo
- Water-skiing – Inshore only and no jumping
- Whale Watching
- Windsurfing - Inshore only
- Yachting- Inshore
- Yoga
Hazardous Activities Category B
Includes cover for all the activities listed in Category A, plus the Activities listed below.
Cover for the following activities that are considered to be Hazardous Pursuits is included provided they are incidental to the trip (not sole purpose) and for recreational purposes only, not for competitions or any professional activity.
For the purpose of Hazardous Pursuits SOLE PURPOSE shall mean: taking part in any hazardous Pursuits on more than 50%, of the number of days of your booked trip.
Personal Liability Cover does not apply when participating in any Hazardous Activities
- Animal/Camel/Elephant/Horse/Riding under 7 days
- Breathing Observation Bubble (BOB) up to 18 metres, Bungee Jump* - No Personal Accident cover
- Charity Rallies (no racing) - Sole purpose of trip is covered
- Cycle Touring - Sole purpose of trip is covered
- Deep Sea Fishing -Inshore only
- Dog Sledging
- Fell Walking(between 2000 and 3000 metres altitude) - Sole purpose of trip is covered
- Fencing
- Flying a private plane or small aircraft*
- Flying as a passenger in a private or small aircraft*
- Football
- Glacier Walking
- Go Karting up to 250cc
- Gorilla Trekking - Sole purpose of trip is covered
- Gymnastics
- Hiking between 2000 and 3000 metres altitude (excluding the use of picks, ropes and guides) - Sole purpose of trip is covered
- Hockey - (Field)
- Hot Air Ballooning*
- Hydro Zorbing
- Manual/Farm Work* (ground level only no machinery - excluding Animal Sanctuary/Refuge work)
- Motorcycling* (between 51cc – 125cc no racing) as a rider or passenger. When using the vehicle, either as a driver or passenger, a helmet must always be worn. The rider must hold an appropriate UK licence (Excluding Motorcycle Touring)
- Paint Balling
- Passenger Sledge
- Quad Biking* (no racing) under 125cc as a rider or passenger. When using the vehicle, either as a driver or passenger, a helmet must always be worn. The rider must hold an appropriate UK licence
- Rambling between 2000 and 3000 metres altitude (excluding the use of picks, ropes and guides) - Sole purpose of trip is covered
- Reindeer Sledge
- Safari (UK booked and not involving use of firearms) - Sole purpose of trip is covered
- Scuba Diving* (between 18 and 30 metres)
- Sea Canoeing -Inshore only*
- Sea Kayaking -Inshore only*
- Soccer
- Trekking between 2000 and 3000 metres altitude (excluding the use of picks, ropes and guides) - Sole purpose of trip is covered
- White Water Canoeing* (Grade 4)
- White Water Kayaking* (Grade 4)
- White Water Rafting* (Grade 4)
- Wind Tunnel Flying
Hazardous Activities Category C
Includes cover for all the activities listed in Categories A and B, plus the Activities listed below.
Cover for the following activities that are considered to be Hazardous Pursuits is included provided they are incidental to the trip (not sole purpose) and for recreational purposes only, not for competitions or any professional activity.
For the purpose of Hazardous Pursuits SOLE PURPOSE shall mean: taking part in any hazardous Pursuits on more than 50%, of the number of days of your booked trip.
Personal Liability Cover does not apply when participating in any Hazardous Activities
- Abseiling
- Big Foot
- Devil Karting*
- Dirt Boarding
- Fell Running (between 3000 and 6000 metres altitude) - Sole purpose of trip is covered
- Gaelic Football
- Glacier Skiing
- Gliding*
- Hiking between 3000 and 6000 metres altitude (excluding the use of picks, ropes and guides) - Sole purpose of trip is covered
- Horse riding over 7 days (no Polo Hunting or Jumping
- Hurling
- Ice Fishing
- Ice Hockey - With full body protection
- Kick Boxing (Training only)
- Lacrosse/Shinty
- Manual Work* (ground level only including the use of light hand held machinery)
- Marathon
- Martial Arts (Training only)
- Motorcycling over 125cc*. Must have a full Clean Licence and be over the age of 25 years as a rider or passenger. When using the vehicle, either as a driver or passenger, a helmet must always be worn (Excluding Quad biking and Motorcycle Touring)
- Octopush
- Off Piste Skiing (with a professional guide/instructor within recognised resort areas)
- Off Piste Snowboarding (with a professional guide/instructer within recognised resort areas)
- Outdoor Endurance Events)
- Rambling between 3000 and 6000 metres altitude (excluding the use of picks, ropes and guides) - Sole purpose of trip is covered
- River Tubing
- Roller Hockey
- Rugby
- Sand Boarding
- Sand Dune Surfing
- Sand Skiing*
- Sand Yachting
- Segway (Supervised, non-competitive)
- Shark Diving* (Cage only)
- Skate Boarding
- Ski Run Walking
- Ski Yawing
- Ski-Dooing
- Skiing - Sole purpose of trip is covered
- Skiing (Cross Country)
- Skiing (Dry Slope)
- Sledging
- Snow Blading - Sole purpose of trip is covered
- Snow Boarding - Sole purpose of trip is covered
- Snow Bobbing
- Snow Carting up to a 125cc*
- Snow Decking
- Snow Go Karting
- Snow Kiting
- Snow Mobiling
- Snow Parascending
- Snow Scooting
- Snow Shoe Walking
- Snow Shoeing
- Snow Tubing
- Snow Zorbing
- Snowboarding (Dry Slope)
- Snowcat Driving*
- Snowcat Skiing
- Summer Tobogganing
- Swimming (open Water)
- Swimming off a boat (Unsupervised and/ or no lifeguard)
- Swimming with Dolphins (Open Water)
- Tobogganing
- Tree Top Canopy Walking
- Trekking between 3000 and 6000 metres altitude (excluding the use of picks, ropes and guides) - Sole purpose of trip is covered
- Triathlon
- Walking between 3000 and 6000 metres altitude (excluding the use of picks, ropes and guides) - Sole purpose of trip is covered
- Water Hockey
- White Water Canoeing (Grade 5 to 6)
- White Water Kayaking* (Grade 5 to 6)
- White Water Rafting (Grade 5 to 6)
- Yachting (crewing) – Offshore but within European waters - Sole purpose of trip is covered
- Zip Lining
Adventure travel insurance
If your holiday plans include taking part in extreme sports or adventurous activities, it is vital to make sure you have appropriate travel insurance.
Cover for additional adventure sports and hazardous activities can be added to OUL Directs single trip and annual policies. Simply add the cover you need when you get a sports travel insurance quote.
Get a Quote
You can choose the level of cover to suit the particular sport or activity that you will be taking part in. So if you need extreme sports travel insurance that includes cover for abseiling, you will need to add Hazardous Activities Category C to your premium in the policy options section when you get a quote online.
Sports and activities can be added to our single trip, annual and backpacker policies when you get a cheap travel insurance quote
Get a Quote
For full details of all the sports and activities that can be covered by our travel insurance, read our {defaultWording}
