Your client will not be covered for any claim that arises directly or indirectly due to Dangerous Activities unless We have specifically agreed to extend the cover as specified on Your Policy Schedule

The definition of Dangerous Activities is:

Dangerous Activities means activities and/or sports which present a high level of inherent danger, a high risk of physical harm, and it will typically involve a high level of expertise, exceptional physical exertion, highly specialised gear or involves stunts.

Examples of Dangerous Activities include but are not limited to:

• Caving
• Diving at a depth of more than 30 metres
• Horse-riding related
• Hunting or shooting
• Martial arts, boxing, wrestling or judo
• Motor sports, rallies or competitions
• Motorcycling unless You are on a public road, wearing a helmet and have appropriate license
• Mountaineering, abseiling or rock climbing when ropes or guides need to be used
• Parachuting, parasailing or parascending
• Rafting, canoeing or kayaking in white-water rapids
• Speedboating/powerboating, Waterskiing and Yachting
• Winter sport

If You would like Us to consider providing cover for Dangerous Activities You participate in You need to tell Us during the application process. We may request additional information to assess Your request. The information provided will be reviewed and where We agree to extend the cover it may result in a higher Premium and/or a reduction in coverage.

Declaration step in Individual Personal Accident & Sickness quote path below: