Sports & Activities
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 kite surfing, we’ve got you covered. Go to our full list of sports and activities.
Inevitably there will be some activities that we have not included. Please contact us at travel@insure4less.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:
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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.
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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, winter sports, other than curling, tobogganing and recreational ice-skating, are not covered except when the appropriate additional winter 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.
Scuba diving is covered up to 30 metres depth, so long as you are not diving alone, or in wrecks, caves or ice and if you are not qualified for the dive undertaken or accompanied by a properly qualified instructor.
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The following is a comprehensive list of sports and activities. Y indicates cover is provided under Insure4less travel insurance.
N indicates no cover. All activities must be on an amateur basis and for personal pleasure only. This contract does not cover professional sports nor amateur participation in international or national representative sports unless specifically agreed by Underwriters.
|
Activity
|
|
|
Abseiling (provided by a licenced commercial operator)
|
Y |
|
Adventure Racing
|
Y |
|
American Football
|
N |
|
Angling
|
Y |
|
Archery
|
Y |
|
Athletics
|
Y |
|
Aussie Rules
|
Y |
|
Badminton
|
Y |
|
Ballooning - Hot Air (provided by a licenced commercial operator)
|
Y |
|
Bamboo Rafting
|
Y |
|
Banana Boating
|
Y |
|
Base Jumping
|
N |
|
Baseball
|
Y |
|
Basketball
|
Y |
|
Beach volley ball
|
Y |
|
Biathlon
|
Y |
|
Big Game Hunting
|
N |
|
Bigfoot Skiing (subject to winter sports additional premium)
|
Y |
|
Biking
|
Y |
|
Black Water Rafting
|
N |
|
BMX riding - stunt /obstacle
|
N |
|
BMX riding (no stunts / obstacles)
|
Y |
|
Boardsailing / Windsurfing
|
Y |
|
Bobsleigh
|
N |
|
Bouldering
|
Y |
|
Bowling
|
Y |
|
Bowls
|
Y |
|
Boxing
|
N |
|
Bridge Swinging
|
Y |
|
Bungee Jumping
|
Y |
|
Bushwalking
|
Y |
|
Camel Riding
|
Y |
|
Canoeing
|
Y |
|
Canyoning (provided by a licenced commercial operator)
|
Y |
|
Cat Skiing/Boarding (subject to winter sports additional premium)
|
Y |
|
Catamaran sailing (outside territorial waters)
|
N |
|
Catamaran Sailing (within territorial waters)
|
Y |
|
Cave Tubing
|
N |
|
Caving
|
N |
|
Clay Pigeon Shooting
|
Y |
|
Climbing (indoor)
|
Y |
|
Cricket
|
Y |
|
Cross Country Running
|
Y |
|
Cross Country Skiing (subject to winter sports additional premium)
|
Y |
|
Curling
|
Y |
|
Cycle Racing
|
N |
|
Cycling
|
Y |
|
Cyclo-Cross
|
Y |
|
Deep Sea Fishing
|
Y |
|
Dinghy Sailing
|
Y |
|
Diving (High Diving)
|
Y |
|
Diving (Scuba) (over 30 m depth)
|
N |
|
Diving (Scuba) (up to 30m depth - see notes below)
|
Y |
|
Dog Sledding
|
Y |
|
Drag Racing
|
N |
|
Dry Slope Skiing/Boarding
|
Y |
|
Elephant Trekking / Riding
|
Y |
|
Endurance Tests
|
Y |
| Enduro | N |
|
Expeditions
|
Y |
|
Fell Running
|
Y |
|
Fell Walking
|
Y |
|
Fencing
|
Y |
|
Fishing
|
Y |
|
Fives
|
Y |
|
Flying (except as passenger in licensed passenger carrying aircraft)
|
N |
|
Football - American
|
N |
|
Football (not American)
|
Y |
|
Free Mountaineering
|
N |
|
Gaelic Football
|
Y |
|
Glacier Skiing (subject to winter sports additional premium)
|
Y |
|
Glacier Walking (subject to winter sports additional premium)
|
Y |
|
Gliding
|
N |
|
Go-Karting
|
Y |
|
Golf
|
Y |
|
Gymnastics
|
Y |
|
Handball
|
Y |
|
Hang Gliding
|
N |
|
Harness Racing
|
N |
|
Heli-skiing
|
N |
|
Hiking over 6,000m
|
N |
|
Hiking up to 6,000m
|
Y |
|
Hockey
|
Y |
|
Horse Jumping
|
N |
|
Horse Racing
|
N |
|
Horse Riding (excluding racing, jumping or competing)
|
Y |
|
Hot Air Ballooning (provided by a licenced commercial operator)
|
Y |
|
Hunting
|
N |
|
Hurling
|
Y |
|
Ice Climbing
|
N |
|
Ice Hockey
|
N |
|
Ice Skating excluding Speed Skating
|
Y |
|
Ice Speedway
|
N |
|
Inline Skating
|
Y |
|
Jet Boating
|
Y |
|
Jet Skiing
|
Y |
|
Jogging
|
Y |
|
Jousting
|
N |
|
Judo
|
N |
|
Karate
|
N |
|
Kayaking (over grade 3 rivers )
|
N |
|
Kayaking (up to grade 3 rivers )
|
Y |
|
Kendo
|
Y |
|
Kite Snowboarding (subject to winter sports additional premium)
|
Y |
|
Kite Surfing
|
Y |
|
Lacrosse
|
Y |
|
Langlauf (subject to winter sports additional premium)
|
Y |
|
Luging/Bobsleigh
|
N |
|
Marathon Running
|
Y |
|
Martial Arts involving intentional bodily contact
|
N |
|
Martial Arts not involving intentional bodily contact
|
Y |
|
Micro- Lighting
|
N |
|
Modern Pentathlon
|
Y |
|
Mono Skiing (subject to winter sports additional premium)
|
Y |
|
Motocross
|
N |
|
Motor Cycle Racing
|
N |
|
Motor Cycling (if you hold a current and appropriate motorcycle licence)
|
Y |
|
Motor Racing
|
N |
|
Motor Rallies
|
N |
|
Mountain Biking (racing)
|
N |
|
Mountain Biking (recreational)
|
Y |
|
Mountaineering
|
N |
|
Netball
|
Y |
|
Off Piste Skiing within local ski patrol guidelines - (subject to winter sports additional premium)
|
Y |
|
Orienteering
|
Y |
|
Outdoor Endurance Events
|
Y |
|
Overland Trips
|
Y |
|
Paintballing (provided by a licenced commercial operator)
|
Y |
|
Parachute Jumping - static line - (provided by a licenced commercial operator)
|
Y |
|
Parachuting
|
N |
|
Paragliding (provided by a licenced commercial operator)
|
Y |
|
Parapenting (provided by a licenced commercial operator)
|
Y |
|
Parasailing (provided by a licenced commercial operator)
|
Y |
|
Parascending (provided by a licenced commercial operator)
|
Y |
|
Pistol Shooting
|
Y |
|
Polo
|
N |
|
Pony Trekking
|
Y |
|
Pot Holing
|
N |
|
Powerboat Racing
|
N |
|
Powerlifting
|
N |
|
Quad Biking
|
Y |
|
Racketball
|
Y |
|
Rackets
|
Y |
|
Rambling
|
Y |
|
Rap Jumping (provided by a licenced commercial operator)
|
Y |
|
Reenacting (excludes use of live ammunition)
|
Y |
|
Rifle Shooting
|
Y |
|
Ringos
|
Y |
|
River Bugging
|
N |
|
Rock Climbing - solo / freestyle / without ropes over 6m
|
N |
| Rock Climbing using ropes & guides - cover maybe extended subject to an additional premium. Please click here for details. | |
|
Rodeo
|
N |
|
Roller Blading
|
Y |
|
Roller Hockey
|
Y |
|
Rounders
|
Y |
|
Rowing
|
Y |
|
Rugby League - please refer to insure4less
|
R |
|
Rugby Sevens - please refer to insure4less
|
R |
|
Rugby Union - please refer to insure4less
|
R |
|
Running
|
Y |
|
Running (marathon)
|
Y |
|
Running of the Bulls
|
N |
|
Safari trekking (provided by a licenced commercial operator)
|
Y |
|
Sail Boarding
|
Y |
|
Sailing / Yachting - recreational outside territorial waters
|
N |
|
Sailing / Yachting - recreational within territorial waters
|
Y |
|
Sand Dune surfing / skiing
|
Y |
|
Scrambling
|
Y |
|
Scuba Diving (over 30m depth)
|
N |
|
Scuba Diving (up to 30m depth - see notes above)
|
Y |
|
Sea Canoeing
|
Y |
|
Sea Kayaking
|
Y |
|
Shark Diving - in cage - (provided by a licenced commercial operator)
|
Y |
|
Shinty
|
Y |
|
Shooting
|
Y |
|
Skate Boarding
|
Y |
|
Ski Acrobatics / Aerials
|
N |
|
Ski Jumping
|
N |
|
Ski Mountaineering
|
N |
|
Ski Racing (major events)
|
N |
|
Ski Randonee (subject to winter sports additional premium)
|
Y |
|
Ski Stunting
|
N |
|
Ski Touring (subject to winter sports additional premium)
|
Y |
|
Skiing - Off-Piste (subject to winter sports additional premium)
|
Y |
|
Skiing - snow (subject to winter sports additional premium)
|
Y |
|
Skiing within local ski patrol guidelines (subject to winter sports additional premium)
|
Y |
|
Sky Diving
|
N |
|
Sky Diving - Tandem (provided by a licenced commercial operator)
|
Y |
|
Snorkeling
|
Y |
|
Snowblading (subject to winter sports additional premium)
|
Y |
|
Snowboarding (subject to winter sports additional premium)
|
Y |
|
Soccer
|
Y |
|
Softball
|
Y |
|
Solo Climbing
|
N |
|
Speed Skating (subject to winter sports additional premium)
|
Y |
|
Speed Trials / Time Trials
|
N |
|
Speedway
|
N |
|
Squash
|
Y |
|
Steeple chasing
|
N |
|
Street Hockey
|
Y |
|
Summer Tobogganing
|
Y |
|
Surfing
|
Y |
|
Swimming
|
Y |
|
Table Tennis
|
Y |
|
Tae Kwon Do
|
N |
|
Tennis
|
Y |
|
Tobogganing
|
Y |
|
Tramping
|
Y |
|
Trampolining
|
Y |
|
Trekking (over 6,000 m)
|
N |
|
Trekking (up to 6,000 m)
|
Y |
|
Triathlon
|
Y |
|
Tug-of-War
|
Y |
|
Volleyball
|
Y |
|
Wakeboarding
|
Y |
|
Walking
|
Y |
|
War Games
|
Y |
|
Water Polo
|
Y |
|
Water Skiing
|
Y |
|
Water Skiing Jumping
|
N |
|
Weightlifting
|
N |
|
White Water Canoeing / Rafting (Grade 4 or over)
|
N |
|
White Water Canoeing / Rafting (up to Grade 4)
|
Y |
|
Windsurfing
|
Y |
|
Wrestling
|
N |
|
Zorbing
|
Y |