* Subject to policy terms and conditions, Grade 1 will cover you for off-piste with a guide, and Grade 2 will cover you for off-piste without a guide.

GRADE 1
Archery (amateur), Badminton (amateur), Baseball (amateur), Basketball (amateur), Beach games, Bungee jump (1) , Camel / Elephant Riding, Canoeing (Up to Grade 3), Clay pigeon shooting, Cricket (amateur), Cycling (Other than specified), Dinghy sailing, Fell walking, Fencing Fishing, Football (amateur), GAA Football (amateur), Golf (amateur), Hiking (under 2,000 metres altitude), Hockey (amateur), Horse riding (up to 7 days), Jet boating, Jet ski-ing, Jogging, Marathon running (amateur), Motorcycling up to 50cc (wearing a crash helmet - no racing), Netball (amateur), Non manual work (Including professional administrative or clerical duties only.), Orienteering, Outwardbound pursuits, Paintballing, Parascending / Parasailing (over water), Pony trekking, Racquetball, Rambling (under 2,000 metres altitude), River canoeing up to Grade 3, Roller skating, Roller blading, Rounders, Rowing, Running-sprint/long distance (amateur), Safari (UK organised), Sail boarding, Sailing within territorial waters, Scuba diving* down to 30 metres if qualified and not diving alone or accompanied by a qualified instructor (see notes below), Skate boarding, Snorkelling, Squash (amateur), Surfing (amateur, under 14 days), Tennis (amateur), Tour operator safari, Track events, Trekking (under 2,000 metres altitude), Volleyball (amateur), War games, Water polo (amateur), Water ski-ing (amateur), Windsurfing (amateur), Yachting (racing/crewing inside territorial waters)

Scuba Diving * - Click here for more info
Scuba diving to the following depths. Provided you are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving or training agency or organization and not diving alone: PADI Open Water -18 metres PADI Advanced Open Water -30 metres BSAC Ocean Diver -20 metres BSAC Sports Diver -30 metres* BSAC Dive Leader -30 metres

* We must agree with any equivalent qualification. If You do not hold a qualification, We will only cover you to dive to a depth of 18 metres. You will not be covered under this policy if you travel by air within 24 hours of participating in scuba diving.

GRADE 2 - plus all the above
Boxing Training (no contact), Bungee Jump (up to 3 additional), Black water rafting (Grade 1 to 4) Life jacket and Helmet must be worn, Camel/Elephant Riding / Trekking (Non Incidental), Cycle Touring, Go Karting (Specific use), Horse riding (no Polo, Hunting Jumping), Hot Air Ballooning (non Incidental), Hurling (amateur), Jet Skiing (non Incidental), Martial Arts (Training only), Mountain Biking, Rambling between 2000 metres and 4000 metres altitude, Trekking between 2000 metres and 4000 metres altitude, Safari (non-UK organised)

Scuba Diving * - Click here for more info
Non Incidental/down to 50 metres if qualified and not diving alone or accompanied by a qualified instructor (see notes below) Sea Canoeing, Sea Fishing (non Incidental) Surfing (amateur) Triathlon White water rafting - Grades (1-4) Waterskiing/ Windsurfing / Snorkelling (non Incidental) *Scuba diving - scuba diving to the following depths. Provided You are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving or training agency or organization and not diving alone: PADI Open Water- 18 metres PADI Advanced Open Water - 30 metres BSAC Ocean Diver -20 metres BSAC Sports Diver -35 metres* BSAC Dive Leader -50 metres

* We must agree with any equivalent qualification. If You do not hold a qualification, We will only cover You to dive to a depth of 18 metres. You will not be covered under this policy if You travel by air within 24 hours of participating in scuba diving.

GRADE 3 - plus all the above
Abseiling, American Football (amateur), Gliding, Kayaking, Motorcycling with a full UK motorcycle licence and wearing a crash helmet (over 50cc - no racing), Paragliding, Rugby (amateur competition), Tandem Skydive (up to 2 jumps maximum), Sand Yachting, Yachting (racing / crewing) - outside territorial waters

GRADE 4 - plus all the above
Canyoning, Hang Gliding, High Diving under 5m (amateur, excluding cliff diving), Horse Jumping (no Polo, Hunting), Kite Surfing, Micro Lighting, Parascending / Parasailing (over land, non Incidental), Rock Climbing (under 2,000m), Rock Scrambling (under 4,000m)