Hazardous Activities













  IMPORTANT INFORMATION

Severe Acute Respiratory Syndrome (SARS)

If you are planning to travel to a Severe Acute Respiratory Syndrome (SARS) infected area as designated by the Foreign and Commonwealth Office (FCO) the following notice applies.

Insurancewide.com's travel insurance provider is unable to provide insurance and would not cover an existing policyholder (an Insured Person) travelling to a country where the Foreign and Commonwealth Office (FCO) has advised against travel. In the current climate with the SARS infection this includes Hong Kong.

If an Insured Person travels to a country which is not on the FCO warning list and they were to contract the SARS infection Insurancewide's travel insurance provider would cover all medical costs and arrange repatriation if deemed necessary. The Insured Person should also contact the emergency services immediately.

For Insured Persons booked to travel to an infected area where the FCO have advised against travel, a refund or suitable alternative should be obtainable from the Travel Agent/Tour Operator.

Under the cancellation section of the policy, Insurancewide.com's travel insurance provider does cover the insured if they are prevented from travelling to the intended destination due to Government restriction or epidemic. However, Insurancewide.com's travel insurance provider would not cover any situation if restrictions for the destination country were in place at the time of effecting the policy.

Pushing the Limits

If you plan to add a little excitement to your trip by trying your hand at sports or a hazardous activity then you'll need to check your insurance to see what level of cover is provided. Whether you're an expert or an eager amateur the following activities are covered by this policy at no extra cost. Please note, professional sports and activities are not covered.

Archery, Badminton, Baseball, Basketball, 3 Bungee Jumps, Canoeing, Cricket, Cycling, Golf, Jogging, Marathons, Netball, Orienteering, Parascending (over water), Rambling, Roller Blading (Inline Skating / Skate Boarding), Running (both Sprint & Long Distance), Safari, Scuba Diving (qualified, max depth 30 metres) under 14 days, Snorkelling, Squash, Swimming, Tennis, Trekking (under 2,000 metres), Triathlons, Volleyball, Water Polo, Water Skiing, White/Black Water Rafting (Grades 1 - 4), Windsurfing and Yachting (both racing and crewing) inside territorial waters.

The following amateur activities are also automatically covered without paying any additional premium, but the policy excludes any cover under the Personal Accident and Personal Liability sections.

Abseiling, Boxing Training, Camel / Elephant Riding or Trekking, Cycle Touring, Passenger (in private/small aircraft or helicopter), Football, Go Karting, Hiking (over 2,000 metres, but under 6,000 metres), Hockey, Horse Riding (no Polo, Hunting, Jumping), Hot-Air Ballooning, Jet boating, Jet Skiing, Kayaking, Motorcycling (under 50cc) - no Racing, Trekking (over 2,000 metres, but under 6,000 metres).

Furthermore, the following amateur activities can be covered by declaring to, and paying an ADDITIONAL premium but the policy excludes any cover under the Personal Accident and Personal Liability sections.

Flying (piloting private/small aircraft or helicopter), Manual Labour (at ground level, no machinery), Martial Arts (training only), Motorcycling (over 50cc) - no Racing), Mountain Biking, Rugby, Scuba Diving (unqualified, max depth 30 metres) under 14 days, Scuba Diving (qualified, max depth 40 metres) over 14 days, Sea Canoeing, Snow Mobiling, Surfing.

Furthermore, the following amateur activities can be covered by declaring to, and paying an ADDITIONAL premium but the policy excludes any cover under the Personal Accident and Personal Liability sections and the excess under the medical section of cover is increased to £200.

American Football, Gliding, Paragliding, Parachuting, Parascending (over land), Sand Yachting, Sky Diving, White/Black Water Rafting (Grade 5 to 6), Yachting (racing or crewing) outside territorial waters.

Furthermore, the following amateur activities can be covered by declaring to, and paying an ADDITIONAL premium but the policy excludes any cover under the Personal Accident and Personal Liability sections and the excess under the medical section of cover is increased to £400.

Canyoning, Hang-Gliding, High Diving, Horse Jumping (no Polo or Hunting), Micro Lighting, Parasailing, Rock Climbing (not Mountaineering), Rock Scrambling.
  IMPORTANT NOTICE

Please be advised that the travel insurance policies on offer herein do not cover losses arising due to War or Terrorism, except Medical and Personal Accident claims as a result of physical injury sustained directly in a terrorist attack, unless travel is undertaken contrary to Government advice.

As such, claims under the Cancellation, Curtailment, Missed Departure, Travel Delay & Abandonment sections of the policy will not be covered if the claim arises due to an act of War or Terrorism, or fear of War or Terrorism.

The policies on offer do not cover losses arising as a result of the financial failure of any airline, travel agent or tour operator.
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