The following activities are automatically included at no extra charge
under the Personal Accident and Medical Expenses sections of the policy
provided that the activity is on an incidental basis.
Group 1 - Incidental Activities
You are automatically covered for these activities
provided that the activity is on a casual, unplanned or
Incidental Basis and not the main purpose of your trip.
Archery
Badminton
Banana / Doughnut Boating
Basketball
1 x Bungee Jump
Camel Riding
Canoeing
Clay Pigeon Shooting
Conservation / Charity Work
(Educational or Environmental
/ working with hand tools only)
Cricket
Cycling (Incidental)
Deep Sea Fishing
Glacier Walking
Golf
Hiking / Rambling / Trekking (4000m)
Horse Riding (Incidental) (not polo, jumping,
or hunting)
Hot Air Ballooning
Inshore Sailing (within 12 miles of the coastline)
Jet boating
Jet Skiing
Kayaking (up to Grade 4)
Kite Surfing over water
Manual Work (Ground Level, No machinery)
Mountain Biking (Incidental)
Motor Cycling or Quad biking up to 50cc
Mountain Biking
Netball
Orienteering
Parascending over water
Passenger in small aircraft / helicopter
Roller Blading
Rowing (including training)
Running (Sprint / Long Distance)
Safaris (Booked Republic of Ireland, No firearms)
Sandboarding
Scuba Diving to 30m
Sleigh Riding
Snorkelling
Squash
Surfing
Tennis
Volleyball
Wake Boarding
Water Polo
Water Skiing
White Water Rafting (Up to Grade 4)
Wind Surfing
Group 2 - Incidental Activities
These activities are covered provided the activity is on a
casual, unplanned or Incidental Basis and not the main
purpose of Your trip. Claims relating to these activities
will be subject to 50% reduction in Personal Accident
Benefits, and Medical Expenses Excess increased to €335.
Abseiling
Boxing Training
Elephant Riding
Football (Amateur)
Hiking (4000m to 6000m)
Hockey (Amateur)
Kayaking (over grade 4)
Martial Arts Training
Motor Cycling or Quad biking up to 125cc
Netball (Amateur)
Rugby (Amateur)
Safaris booked locally(no firearms)
White Water Rafting (Grades 5 & 6)
Group 3 - Regular Activities
These activities are covered when participation is on a
regular, non-casual basis or are the main purpose of
Your trip. Claims relating to these activities will be
subject to a 50% reduction in Personal Accident cover
and Medical Expenses Excess increased to €335.
Bar Work
Charity / Conservation work, working with hand tools only.
Cycling (Touring)
Go Karting
Husky Sledge Riding
Inshore Sailing
Jogging
Marathons
Mountain Bike Touring
Regular Horse Riding / Pony Trekking
Sailing Holidays (No air sea rescue, within
12 miles of the coastline)
Scuba Diving to 30m
Snow Park Activities –
Pipe and Rail
(provided Wintersports premium paid)
Supervised overland Safaris (Booked in the Republic of Ireland, No firearms)
Trekking / Rambling / Hiking (4,000 to 6,000m)
Ski & Winter Sports
On policies where this cover is provided the following
is included:
Skiing,
Snowboarding (with a leash)
Off Piste Skiing and Snowboarding (except in areas designated
as unsafe by resort management)
Recreational Racing
Mono Skiing
Guided Cross Country Skiing
Snow Mobiling
Snow Tubing
Snowshoeing (Provided the trip is booked in the Republic of Ireland and is part of an organised tour)
Tobogganing
Ice Skating
Motorcycling
Cover for motorcycling (riding own motorcycles only and excluding
trial/track riding or racing) up to 1500cc will be included when
the appropriate premium has been paid.
Cover for motorcycling (riding own motorcycles only and excluding
trial/track riding or racing) from 1501cc to 1800cc will be included when the appropriate premium has been paid subject to the rider being over 25 years of age and having at least two years experience of riding a comparable motorcycle.
There is no cover for Personal
Accident or Personal Liability motorcycle related claims.
