Adventure is everywhere you travel… whether you’re an extreme adrenalin junkie or a more sedate traveller, we reckon our cover for sports and activities is second to none. In fact, we cover over 150 different sports and activities!
From cage diving with great white sharks to scuba diving to tandem parachuting to surfing, we’ve got you covered.
Inevitably there will be some activities that we have not included. Please contact us at travel@insure4travel.com.au advising which activity you wish to do and we will let you know whether cover can be provided.
Whilst some activities may be covered for medical expenses and personal accident, it is important to note that there may not be cover under the personal liability section of the policy wording, for any liability for bodily injury, loss or damage:
- arising out of the ownership, possession or use of motorised vehicles, yachts or motorised waterborne craft, airborne craft of any description, animals or firearms and weapons.
- arising out of dangerous sports or pastimes including contact sports.
Please also note, your participation in activities of a hazardous nature such as (but not limited to) mountaineering, potholing, parachuting, hang gliding or any other aerial activities, sports involving intentional bodily contact, motor-sports and sailing outside territorial waters are not covered. Scuba diving is covered subject to the restrictions shown below. In addition, snow sports, other than curling, tobogganing and recreational ice-skating, are not covered except when the appropriate additional snow sports premium has been paid. At no time, however, is cover granted for ski or ski-bob racing in major events, ski jumping, ice-hockey or the use of skeletons or bobsleighs.
We are always keen to make sure you are safe and enjoy your travels, however, if you choose to put yourself in a dangerous position or put yourself or others travelling with you in a situation in which a reasonable person ought to have known was dangerous, we reserve the right to exclude any loss or expenses or injuries as a consequence of your actions
We provide cover for your amateur participation in a wide range of sports and leisure activities including whilst officially competing in individual and/or team events up to amateur regional club level. Competing as a representative at state or national level competition may only be included after declaration to and acceptance by Underwriters. Please note that there is no cover for your participation as a professional sportsman (i.e. where you the insured receives any form of remuneration for your participation in sport by way of wages, endorsements, sponsorship or prize monies). You are deemed to be competing as a representative at state or national level competition if you are participating as an athlete in a competition as a member of an official State or Australian team, endorsed by the relevant Australian Sports Commission (ASC) recognised national sporting organisation (NSO), or a School Sport Australia member body.
Please click here if you have any queries or require further information regarding sports and leisure activities.
- Aqua Zorbing
- Archery
- Baseball
- Beach Volleyball
- Bicycling (but not bicycle motorcross (BMX) or downhill mountain biking)
- Bowls
- Bridge (including professional competitions)
- Bungee Jumping
- Camel, Donkey or Elephant Riding (under supervision)
- Dancing
- Diving (underwater using an artificial breathing apparatus at a depth no greater than 10 metres – see notes below)
- Dog Sledding
- Fishing (only on land or within 2 nautical miles (3.7km) of a land mass)
- Go-Karting
- Golf
- Gym Activities (excluding powerlifting)
- Gymnastics (excluding competitions)l
- Horse Riding (excluding competitions, equestrian events, steeple chasing, jumping or polo)
- Ice Skating on a rink including supervised rinks on ponds, lakes or rivers (excluding competitive skating, racing, speed skating and tour skating)
- Jet Boating
- Leisure Activities (meaning any activities involving minimal physical exertion that is undertaken for relaxation or pleasure. For example, sight-seeing, picnics, photography and museum or art gallery visits)
- Motorcycling, Scooter or Moped Riding (see note below)
- Orienteering
- Paintball (with eye protection)
- Quad Biking (if provided by a licenced operator)
- Racing on foot for distances up to and including full marathon (42.2 kilometres or 26.2 miles)
- Racket and ball sports not involving physical contact
- Regulated or licensed ballooning
- Safari (under supervision and excluding hunting)
- Sailing or Fishing from a charter boat within territorial waters
- Shark Cage Diving (underwater using an artificial breathing apparatus at a depth no greater than 10 metres)
- Shooting (fixed target only)
- Skate Boarding, Roller Skating, Inline Skating (excluding vert skating or acrobatics)
- Skiing (snow) on groomed slopes (on piste) in recognised ski resorts (subject to you having taken snow sports cover)
- Snowboarding on groomed slopes (on piste) in recognised ski resorts (subject to you having taken snow sports cover)
- Snorkelling
- Soccer
- Surface water activities (other than sailing or fishing from a charter boat) up to 2 nautical miles off any land mass
- Surface water activities in rivers or rapids (graded 1, 2, or 3), lakes or canals
- Table Tennis
- Tennis
- Track and field athletics (excluding as a professional competitor)
- Via Ferrata (using established routes and fixed apparatus)
- Walking, Hiking, Trekking or Tramping (peaking at altitudes up to 3,000 metres where specialist climbing equipment is not required (excluding expeditions to or on the Kokoda Track/Trail)
- Zip Lining (cover limited to Australia and New Zealand only)
However your participation in any activity not shown above is specifically excluded.
Annual multi trip travel insurance policies include 23 days snow sports cover (on piste only). There is no requirement to enter the dates that you plan to participate in snow sports.
Motorcycling and Mopeds – You are covered, subject to the policy terms and conditions, if you are in control of a Motorcycle and have a current Australian motorcycle licence, or you are a passenger travelling on a Motorcycle that is in the control of a person who holds a current motorcycle licence valid for the country you are travelling in. You are also covered if you are in control of a Moped or Scooter and have a current Australian motorcycle or drivers licence, or you are a passenger travelling on a Moped or Scooter that is in the control of a person who holds a current motorcycle or drivers licence valid for the country you are travelling in.