World Nomads Adventure Cover: Sports, Activities & Experiences

For information relating to policies purchased from 27 June 2024, please check HERE for the list of covered activities.

For policies purchased before 27 June 2024, please see below for information:

We like to think we know most adventures World Nomads love. 

Check the list of sports, activities and experiences below to understand what we cover. If a sport or activity is not listed it may have slipped by us or it may not be covered. Check with us if you’re not sure. 

Each activity listed has a level of cover. When you buy a policy and tell us the activities you'll do, you will be covered for participating in all activities at that level and all activities in the levels below.

• (1) Level 1 (lowest level)
• (2) Level 2
• (3) Level 3
• (4) Level 4

Note: Some of these activities have special conditions (a) - (e) and special exclusions (i) - (v) which are noted at the end of this activities list.

A

• Abseiling (rappelling, rapping, rap jumping, deepelling, abbing) (1) See also climbing and mountaineering. Special condition (a) applies. No Personal Accident Cover (Special exclusion (iv)) 
• Acrobatics (see gymnastics or trapeze)
• Aerial safari (1) Special condition (a) applies. No Personal Accident Cover (Special exclusion (iv)) 
• Aerobics (1)
• Air guitar (1)
• American football (Gridiron) (3) No Personal Accident or Personal Liability Cover (Special exclusions (iv) and (v)) 
• Angling (see fishing)
• Athletics (1)
• Australian Rules Football (AFL)  (2) No Personal Accident Cover (Special exclusion (iv)) 

B

• Backpacking (see hiking)
• Badminton (1)
• Ballet (1)
• Banana boat rides (1) Special condition (a) applies
• Baseball (1)
• Basketball (1)
• Bicycle Polo (2)
• Biking (see cycling, mountain biking or snow biking)
• Black water rafting (cave tubing) (grades 1-5)  (1) Special condition (a) applies. No Personal Accident Cover (Special exclusion (iv)) 
• Boating (inland and coastal waters) see also speed boating and sailing (1) Special condition (a) or (b) applies, Policy excludes white water. No Personal Liability Cover (Special exclusion (v)) 
• Boating (outside coastal waters) see also speed boating, and sailing (2) Special condition (a) or (b) and (c) applies. No Personal Accident or Personal Liability Cover (Special exclusions (iv) and (v)) 
• Bobsled/Bobsleigh (4) Special condition (a) applies No Personal Accident or Personal Liability Cover (Special exclusion (v)) 
• Bouldering (see rock climbing)
• Bowling (lawn, ten-pin, nine-pin, candlepin, duckpin and five-pin bowling, bowls, pétanque & boules)(1)
• Boxing (gym or outdoor training) no competition or bouts (2)
• Bungee/bungy jumping (1) Special condition (a) applies
• Bushcraft (see hiking)
• Bushwalking (see hiking)

C

• Camel riding (day tour) (1) Special condition (a) applies No Personal Liability Cover (Special exclusion (v)) 
• Camel trekking (overnight/main mode of transport) (2) No Personal Liability Cover (Special exclusion (v)) 
• Camogie (2) A helmet must be worn. No Personal Accident Cover (Special exclusion (iv)), No Personal Liability Cover (Special exclusion (v))
• Camping up to 3,000 metres (see also hiking, and mountaineering) (1)
• Camping up to 4,500 metres (see also hiking, and mountaineering) (2)
• Camping up to 6,000 metres (see also hiking and mountaineering) (3)
• Canoeing (grades 1-3) (see kayaking)
• Canyon swing (2) Special condition (a) applies
• Canyoning (3) No Personal Accident Cover (Special exclusion (iv)) 
• Capoeira dancing (see dance)
• Caving (sightseeing/tourist attraction) (1) Recreational visit only.
• Cheerleading (1)
• Clay pigeon shooting (1) Special condition (a) or (b) applies. No Personal Liability Cover (Special exclusion (v)) 
• Climbing (see rock climbing or ice climbing)
• Cricket (1)
• Croquet (1)
• Cruising (cruise ship) (1)
• Curling (1)
• Cycling (incidental to the trip) (1) No Personal Liability Cover (Special exclusion (v)) 
• Cycling (independent cycle touring) (2) No Intercontinental touring. No Personal Liability cover
• Cycling (on an organised tour) (1) Special condition (a) applies. No Intercontinental touring. No Personal Liability cover (Special exclusion (v)) 

D

• Dance (ballet, ballroom, capoeira, salsa, interpretive dance) (1)
• Darts (1)
• Dirt boarding (2) No Personal Liability Cover
• Diving (see scuba diving, or high diving)
• Dodge ball (1)
• Dogsledding (on recognised trails) (1) Special condition (a) applies. Excludes remote areas, racing, time trials and endurance events
• Dragon boating (inland or coastal waters only) (1)
• Dune buggy (1) Special condition (a) or (b) applies.No Personal Liability Cover (Special exclusion (v))

E

• Elephant riding (1) Special condition (a) applies
• Elephant riding (overnight/main mode of transport) (2)  No Personal Liability Cover (Special exclusion (v))

F

• Fell running/walking (see hiking)
• Fencing (1) No Personal Liability Cover (Special exclusion (v))
• Fishing (ice) (1) Special condition (a) or (b) applies
• Fishing (inland or coastal waters) (1) Sports / leisure fishing only - no commercial or rock fishing
• Fishing (outside coastal waters, deep sea fishing) (2) Special condition (a) or (b), and condition (c) applies. Sports / leisure fishing only - no commercial or rock fishing
• Fitness training (1)
• Floorball (1)
• Fly by wire (2) Special condition (a) applies
• Flying (as a fare paying passenger in a licensed scheduled or chartered aircraft or helicopter) (1) Special condition (a) applies
• Flying (as a passenger in a glider or ultralight) (4) No Stunt flying/aerobatics or commercial flying. No Personal Accident Cover (Special exclusion (iv))
• Flying (as a pilot or passenger of a private light aircraft) (4)  No Stunt flying/aerobatics or commercial flying. No Personal Accident or Personal Liability Cover (Special exclusions (iv) and (v)) 
• Flying (Gliding) (4) Special condition (a) or (b) applies No Personal Accident or Personal Liability Cover (Special exclusions (iv) and (v)) 
• Football (Soccer) including 5 a side (1)
• Footgolf (1) 
• Frisbee (1)

G

• Gaelic Football (2) No Personal Accident Cover (Special exclusion (iv))
• Glacier walking (ice walking) (1) Special condition (a) applies
• Go karting (1) Special condition (a) applies No Personal Liability Cover (Special exclusion (v))
• Golf (1)
• Gym training (aerobics, spinning, Zumba, body pump, weight training, cross training, crossfit) (See also boxing and martial arts) (1)
• Gymnastics (also see acrobatics) (1)

H

• Handball (1)
• Hang gliding (4) Special condition (a) applies No Personal Accident or Personal Liability Cover (Special exclusions (iv) and (v)) 
• High diving up to 10 metres (excluding cliff diving) (1)
• Hiking up to 3,000 metres (scrambling, hillwalking) - see also mountaineering (1) No cover where ropes, picks or other specialist climbing equipment is required
• Hiking up to 4,500 metres (scrambling) on recognised routes) - see also mountaineering (2)No cover where ropes, picks or other specialist climbing equipment is required
• Hiking up to 6,000 metres (scrambling) on recognised routes - see also mountaineering (3) No cover where ropes, picks or other specialist climbing equipment is required
• Hockey (1)
• Horse riding (equestrian, dressage, show jumping, eventing) (3) No Personal Accident or Personal Liability Cover (Special exclusions (iv) and (v)) 
• Horse riding (leisure/social/non-competitive riding) (1) No Racing, jumping or competitions.No Personal liability Cover (Special exclusion (v))
• Hot air ballooning (ballooning) (1) Special condition (a) applies No Personal Liability Cover (Special exclusion (v))
• Hunting (excluding Big Game) (1) Special condition (a) or (b) applies). No Cover for Big Game Hunting.No Personal liability Cover (Special exclusion (v))
• Hurling (2) A helmet must be worn. No Personal Accident Cover (Special exclusion (iv)) and No Personal Liability Cover (Special exclusion (v))
• Hydrofoiling (see water skiing)

I

• Ice climbing (see mountaineering)
• Ice hockey (indoor) 4 No Personal Accident or Personal Liability Cover (Special exclusions (iv) and (v)) 
• Ice skating (indoor) (1)
• Ice skating (outdoor) on a commercially managed rink (1)  Special condition (a) applies
• Ice walking (see glacier walking) 
• In-line skating (1)

J

• Jet boating (inland/coastal waters only) (1) Special condition (a) or (b) applies. No Personal Liability Cover (Special exclusion (v))
• Jet skiing  (inland/coastal waters, grades 1-2 only) (1) Special condition (a) or (b) applies. No Personal Liability Cover (Special exclusion (v))

K

• Kayaking/Canoeing  (inland/coastal waters,  grades 1-3 only, sea kayaking/sea canoeing) (1)
• Kite boarding (on land or water) (1)
• Kite buggy (2) No Personal Liability Cover (Special exclusion (v))
• Kite flying (1)
• Kite surfing (1)
• Kite wing (land, water) (2) No Personal Liability Cover (Special exclusion (v))
• Kite wing (snow) (4) No Personal Accident or Personal Liability Cover (Special exclusions (iv) and (v)) 
• Korfball (1)

L

• Lacrosse (1)
• Land surfing (2) No Personal Liability Cover (Special exclusion (v))
• LARP (Live Action Role Play) (1) No Personal Liability Cover (Special exclusion (v))

M

• Martial arts (Judo & Karate only) No competition or bouts (2) Special condition (a) applies,non-competitive only. No Personal Accident or Personal Liability Cover (Special exclusions (iv) and (v)) 
• Martial arts training (non-contact) (1)
• Moped riding/scooter biking (1) Special condition (b) applies, and a helmet must be worn. No Touring or where a motorbike is the main mode of transport. No Personal Liability Cover (Special exclusion (v))
• Motor racing experience (passenger only) (1)Special condition (a) applies
• Motor biking (on road over 125cc) (2) Special condition (b) applies and a helmet must be worn. No Touring or where a motorbike is the main mode of transport. No Personal Liability Cover (Special exclusion (v))
• Motor biking (on road under 125cc) (1) Special condition (b) applies and a helmet must be worn. No Touring or where a motorbike is the main mode of transport. No Personal Liability Cover (Special exclusion (v))
• Motor biking / trail biking  ( off-road 125cc or over) (4) Special condition (b) and a helmet must be worn. No Touring or where a motorbike is the main mode of transport. No Personal Liability Cover (Special exclusion (v))
• Motor biking / trail biking  ( off-road under 125cc) (3) Special condition (b) and a helmet must be worn. No Touring or where a motorbike is the main mode of transport. No Personal Liability Cover (Special exclusion (v))
• Motorbiking pillion passenger (on road only) see Motorbiking
• Mountain biking;(on road) (see cycling)
• Mountain biking - downhill (using downhill trails and/or mechanical lifts) (2) No Personal Liability Cover (Special exclusion (v))
• Mountain biking general (off road/cross country) (1) No Personal Liability Cover (Special exclusion (v))
• Mountaineering to 6000 metres (with ropes, picks or specialist climbing equipment)  (4) We recommend you do not venture into any area without taking local advice and appropriate rescue equipment.  See special exclusion (iii). No Personal Accident Cover. (Special exclusion (iv))

N

• Netball (1)

O

• Obstacle course/assault course/trim trail (see outdoor endurance)
• Orienteering (1)
• Outdoor endurance courses up to 3 miles (1)
• Outdoor endurance courses up to 8 miles (3)
• Outdoor endurance courses up to 13 miles (4)
• Outrigger canoeing (inland or coastal waters only) (2)
• Outward Bound (1) Special condition (a) applies

P

• Paint balling/airsoft (1) Special condition (a) applies. No Personal Liability Cover (Special exclusion (v))
• Parachuting (more than 1 jump) (4) Special condition (a) or (b) applies. No Personal Accident or Personal Liability Cover (Special exclusions (iv) and (v))
• Parachuting (one jump only) (1) Special condition (a) or (b) applies. No Personal Liability Cover (Special exclusion (v))
• Paragliding/parapenting  (4) Special condition (a) or (b) applies. No Personal Accident or Personal Liability Cover (Special exclusions (iv) and (v))
• Parasailing/Parascending (4) Special condition (a) or (b) applies. No Personal Accident or Personal Liability Cover (Special exclusions (iv) and (v))
• Parasailing/Parascending (over water only) (1) Special condition (a) or (b) applies. No Personal Liability Cover (Special exclusion (v))
• Pickleball (1)

Q

• Quad biking (1) Special condition (a) or (b) applies, and a helmet must be worn. No Personal Accident or Personal Liability Cover (Special exclusions (iv) and (v))

R

• Racquetball (1)
• Rambling. See hiking if above 3,000 metres (1)
• Rifle range/sports shooting (1) Special condition (a) or (b) applies. No Personal Liability Cover (Special exclusion (v))
• Riverboarding/hydro speeding (grades 1-3) See also canoeing. (1) Special condition (a) applies Rock climbing (bouldering) (2) No Personal Accident Cover (Special exclusion (iv))
• Rock climbing (indoor) (1) No Soloing. No Personal Accident Cover (Special exclusion (iv))
• Rock climbing (outdoor/traditional/sport climbing/bolted/aid climbing/free climbing) see also mountaineering (2) No Soloing No Personal Accident Cover (Special exclusion (iv))
• Roller hockey (1)
• Roller skating (1) No cover for stunting
• Rollerblading (1) No cover for stunting
• Rounders (1)
• Rowing/sculling (inland/coastal waters) (1) No white water rowing. No Personal Liability Cover (Special exclusion (v))
• Rugby (League/Union) (2) No Personal Accident or Personal Liability Cover (Special exclusions (iv) and (v))
• Running (up to marathon distance) (2)
• Running/jogging (half marathon distance or less)(1)

S

• Safari tours (1) Special condition (a) applies. No cover for handling or work with dangerous animals including big cats, crocodiles, alligators, hippopotamuses, snakes elephants or bears
• Sail boarding (see wind surfing)
• Sailing (inland/coastal waters) (1) Special condition (a) or (b) applies.  No Personal Liability Cover (Special exclusion (v))
• Sailing (outside coastal waters) (2) Special condition (a) or (b) and  special condition( c) applies. No Personal Liability Cover (Special exclusion (v))
• Sandboarding/sand skiing (1)
• Scuba diving (to 30 metres) (1) No free diving or cliff diving. Special condition (e) applies. See Special Exclusion (ii).
• Scuba diving (to 50 metres) (3) No free diving or cliff diving. Special condition (e) applies. See Special Exclusion (ii).No Personal Accident cover (Special exclusion (iv))
• Scuba diving (unqualified/learn to dive course/discover dive with qualified instructor) (1) No free diving or cliff diving. Special condition (a) applies see Special Exclusion (ii). No Personal Accident cover (Special exclusion (iv))
• Sculling (see rowing)
• Sea kayaking/ Sea canoeing (see kayaking)
• Segway tours (1) Special condition(a)applies. A helmet must be worn. No Personal Accident or Personal Liability Cover (Special exclusions (iv) and (v))
• Shark cage diving (see scuba diving) Skateboarding (ramp, half pipe, skate park, street) (1)
• Skiing (cross country/Nordic skiing on marked trails) (3) Special condition (d) applies. See special exclusion (i).
• Skiing (snowblading) (3) Special condition (d) applies. See special exclusion (i).
• Skiing / snowboarding (3) Special condition (d) applies. See special exclusion (i).
• Skiing / snowboarding (backcountry/outside of resort boundary/alpine ski touring) (4) Special condition (d) applies. See special exclusion (i). No Personal Accident Cover (Special exclusion (iv))
• Skiing / snowboarding (by helicopter/snow cat) (4) Special condition (d) applies See special exclusion (i). No Personal Accident Cover (Special exclusion (iv))
• Skiing / snowboarding (dry slope) (3) Special condition (d) applies. See special exclusion (i).
• Skiing / snowboarding (terrain park within resort) (4) See Special Exclusion (i). No Personal Accident cover (Special exclusion (iv))
• Skydiving/Tandem skydiving  (over 1 jump) (4) Special condition (a) or (b) applies.No Personal Accident or Personal Liability Cover (Special exclusions (iv) and (v))
• Skydiving/Tandem skydiving (one jump only) (1) No Personal Accident or Personal Liability Cover (Special exclusions (iv) and (v))
• Sledding/Tobogganing/Snow Sleds/Snow Sleighs (on snow) (3) No Personal Accident or Personal Liability Cover (Special exclusions (iv) and (v))
• Sleigh rides (horse drawn) (1)
• Snooker (1)
• Snorkelling (1)
• Snow biking (on piste or off piste within resort boundaries) (3) See special exclusion (i). No Personal Accident Cover (Special exclusion (iv))
• Snow kiting (4) Special condition (a) applies. No Personal Accident or Personal Liability Cover (Special exclusions (iv) and (v))
• Snow rafting (4) Special condition (a) applies. No Personal Accident or Personal Liability Cover (Special exclusions (iv) and (v))
• Snowmobiling (3) No remote areas, racing, time trials or endurance events.  No Personal Accident or Personal Liability Cover (Special exclusions (iv) and (v))
• Soccer (1)
• Softball (1)
• Spearfishing (2) No Personal Liability Cover  (Special exclusion (v))
• Speed boating (inland/coastal waters only) (1) Special condition (a) or (b) applies.No white water cover or outside coastal waters. No Personal Liability Cover  (Special exclusion (v))
• Spelunking (see caving)
• Squash/Racquet ball (1)
• Stand up paddle surfing/paddle boarding (1)
• Stilt walking (1)
• Stoolball (1)
• Surf boat rowing (1)
• Surfing (1)
• Swimming (pool; enclosed, inland or coastal waters only) (1)
• Swimming with whales/whale sharks (inside or outside coastal waters) (1) Special condition (a) applies

T

• Table tennis (1)
• Tandem skydiving (see skydiving)
• Tchoukball (1)
• Ten pin bowling (see bowling)
• Tennis (1)
• Theme parks / fairgrounds (1) Special condition (a) applies
• Tough Mudder (see outdoor endurance)
• Trail bike riding (see motorbiking)
• Tramping (see hiking)
• Trampolining (1)
• Trapeze/Hire Wire (3) Special condition (a) applies. No Personal Accident Cover (Special exclusion (iv))
• Trekking (see hiking)
• Triathlon up to full distance(4)
• Triathlon up to middle distance (2)
• Triathlon up to sprint distance (1)
• Tubing on rivers (see also black water rafting) (1) Special condition (a) applies. No Personal Accident Cover (Special exclusion (iv))
• Tubing on snow (4) No Personal Accident or Personal Liability Cover (Special exclusions (iv) and (v))
• TukTuk (as a passenger) (1) Special condition (a) applies

U

• Ultimate frisbee (1)

V

• Via ferrata (2)
• Volleyball (1)

W

• Wake skating (1)
• Wakeboarding  (1)
• Wakeboarding (excluding jumps) - see water skiing
• Walking (see hiking, trekking)
• War games (online gaming) (1)
• War games/military simulation (see Paint balling/airsoft OR Rifle range/sports shooting)
• Water polo (1)
• Water skiing (barefoot) (2) No Personal Liability Cover
• Water skiing/wakeboarding  (1) Special condition (a) or (b) applies. No jumping, No Personal Liability Cover (Special exclusion (v))
• Weight training (see also gym training) (1) Excludes powerlifting
• White water kayaking/canoeing (see kayaking/canoeing)
• White water rafting (grades 1-5) (1) Special condition (a) applies         
• Windsurfing (inland or coastal waters only) (1) No Personal Liability Cover (Special exclusion (v))
• Working - Any professional, clerical or administrative work, working as a classroom teacher, classroom assistant, au pair, nanny or child minder. (1) No Personal Liability Cover (Special exclusion (v))
• Working - retail, bar or hospitality work involving light duties only.(1) No Personal Liability Cover (Special exclusion (v))
• Working - general work and manual work not involving the use of mechanical or industrial machinery and not working at a height exceeding 2 metres above ground level. (2) No Personal Liability Cover (Special exclusion (v))

Y

• Yachting (see sailing)
• Yoga (class, alone/home practice) 1

Z

• Zip line (1) Special condition (a) applies
• Zorbing (2) Special condition (a) applies. No Personal Accident or Personal Liability Cover (Special exclusions (iv) and (v))

Special Conditions

1. You must be with a professional, qualified and licensed guide, instructor or operator.
2. You must have the appropriate certification or licence to participate in this sport, activity or experience at home. If operating a motor vehicle, you must have the appropriate valid UK licence for the vehicle and any other licence required by law in the country of operation.
3. You must stay within 60 miles of a safe haven (a protected body of water used by marine craft for refuge from storms or heavy seas).
4. This policy covers conventional skiing/snowboarding only. You must follow the International Ski Federation code or the resort regulations, and you should not venture into back country areas without taking local advice and appropriate rescue equipment.
5. This policy covers conventional scuba diving only. You are limited to your current qualification limit, unless accompanied by a qualified instructor, taking part in a recognised course requirement of your chosen Diving Association. You must hold a P.A.D.I. (Professional Association of Diving Instructors), B.S.A.C. (British Sub Aqua Club), SAA (Sub Aqua Association), C.M.A.S. (Confederation Mondiale Des Activites Subaquatiques), or equivalent internationally recognised qualification and follow their relevant Association, Club or Confederation rules and guidelines at all times, or you must only dive under the constant supervision of a properly licensed Diving Instructor and follow their rules and instructions at all times.

Special Exclusions

There is no cover for:

1. Any competition, free-style skiing / free-style snowboarding, ski/ snowboard jumping, ski-flying, ski / snowboard acrobatics, ski / snowboard stunting, or ski racing or national squad training, the use of skeletons.
2. Any unaccompanied dive, any dive in overhead environments, any dive for gain or reward, solo diving, cave diving, any dive which takes you deeper than your current qualification limits, or any dive deeper than 30 metres (or 50 metres if the appropriate additional premium has been paid) under any circumstances.
3. Free mountaineering, climbing in remote or inaccessible regions, exploratory expeditions and new routes, high altitude climbing over 6,000 metres, mountaineering expeditions or expeditions to the Arctic or Antarctica.
4. Personal Accident (Section 6)
5. Personal Liability (Section 7)

Cover also does not apply if you are:

1. training for and/or participating in an activity at a professional level;

2. competing at an international event as a national representative;

3. participating in adventure sports, activities, work, study or volunteer experiences, other than as listed and when the additional premium required is paid;

4. racing or participating in speed or time trials;

5. motorbike touring, or where a motorbike is the main mode of transportation;

6. going against local authority warnings; entering (i) closed or restricted areas or places or (ii) situations that a reasonable person would in the circumstances know them to be unsafe or dangerous;

7. undertaking or working in any dangerous or hazardous activities, and/or participating in any sports or activities in hazardous locations, such as for example:

1. base jumping, cliff diving, free diving, martial arts competitions, potholing and caving, motor sports, stunt flying / aerobatics;
2. taking part in dangerous expeditions; mountaineering expeditions or expeditions to the Arctic or Antarctica;
3. crewing of a vessel more than 60 miles from a safe haven;
4. working operating machinery or heavy/industrial equipment;
5. working at height (not above 2 metres above ground level) without proper safety equipment;
6. working offshore or underground, including in caves;
7. working as a ski, snowboard or diving instructor or guide;
8. working as a guide where ropes or other specialist climbing equipment is required;
9. working in close proximity to dangerous animals including, for example, hippopotami, crocodiles, alligators, sharks, elephants, bears, big cats and deadly snakes;

8. For motorised vehicles, cover does not apply if you are:

• not wearing a helmet where one would be required in the UK, regardless of the local laws; and
• operating any motorised vehicle without a valid UK licence for the same class of vehicle or watercraft in the UK and as required in the relevant country where you’re travelling.

9. We also won’t cover your personal liability while in the course and scope of your work activity, internship, apprenticeship, profession, trade, business or employment (refer to Personal Liability section of the policy).

All other exclusions listed in the General Conditions and Special Exclusions under the Adventure, Work, Study &Volunteer Section of the policy, and the Exclusions in the Policy Wording apply.