Sports & Activities


travel insurance scuba divingAdventure 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:

  • 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.

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. 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). Please click here if you have any queries or require further information regarding sports and leisure activities.

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 you having taken snow sports cover)
 Y
Biking
 Y
Black Water Rafting
 N
BMX riding - stunt /obstacle
 N
BMX riding (no stunts / obstacles)
 Y
Boardsailing / Windsurfing
 Y
Bobsleigh
 N
Bouldering (cover may be extended to include this activity - please visit www.rockclimbinginsurance.com.au)
 N
Bowling
 Y
Bowls
 Y
Boxing
 N
Bridge Swinging
 Y
Bungee Jumping (max 2 jumps per trip)
 Y
Bushwalking
 Y
Camel Riding
 Y
Canoeing
Y
Canyoning (provided by a licenced commercial operator)
 Y
Cat Skiing/Boarding (subject to you having taken snow sports cover)
 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 you having taken snow sports cover)
 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
Dragon boat racing (including international competition)
 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
Floorball
 Y
Flying (except as passenger in licensed passenger carrying aircraft)
 N
Football - American
 N
Football (Soccer)
 Y
Free Mountaineering
 N
Gaelic Football
 Y
Glacier Skiing (subject to you having taken snow sports cover)
 Y
Glacier Walking (subject to you having taken snow sports cover)
 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 you having taken snow sports cover)
 Y
Kite Surfing
 Y
Lacrosse
 Y
Langlauf (subject to you having taken snow sports cover)
 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 you having taken snow sports cover)
 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 (cover may be extended to include this activity - please visit www.rockclimbinginsurance.com.au for details)
 N
Netball
 Y
Off Piste Skiing within local ski patrol guidelines - (subject to you having taken snow sports cover)
 Y
Orienteering
 Y
Outdoor Endurance Events
 Y
Outrigging
 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 may be extended to include this activity - please visit www.rockclimbinginsurance.com.au for details) N
Rodeo
 N
Roller Blading
 Y
Roller Hockey
 Y
Rounders
 Y
Rowing
 Y
Rugby League (upon application)
 R
Rugby Union (upon application)
 R
Rugby Sevens (upon application)
 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 you having taken snow sports cover)
 Y
Ski Stunting
 N
Ski Touring (subject to you having taken snow sports cover)
 Y
Skiing - Off-Piste (subject to you having taken snow sports cover)
 Y
Skiing - snow (subject to you having taken snow sports cover)
 Y
Skiing within local ski patrol guidelines (subject to you having taken snow sports cover)
 Y
Sky Diving
 N
Sky Diving - Tandem (provided by a licenced commercial operator)
 Y
Snorkeling
 Y
Snowblading (subject to you having taken snow sports cover)
 Y
Snowboarding (subject to you having taken snow sports cover)
 Y
Soccer
 Y
Softball
 Y
Solo Climbing
 N
Speed Skating (subject to you having taken snow sports cover)
 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
Touch football
 Y
Tramping
 Y
Trampolining
 Y
Trekking (over 6,000 m)
 N
Trekking (up to 6,000 m)
 Y
Triathlon
 Y
Tug-of-War
 Y
Via Ferrata (using established routes and fixed apparatus)
 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