If you intend to participate in activities and sports on your trip you should ensure that you understand what you will be covered for and what you will not.
You will be covered whilst participating in tourist activities if they can be undertaken without age restriction, specific training or requiring specialised equipment (including those activities with height or general health warnings, e.g. whale watching).
There is also cover for tourist activities provided by a recognised tour operator or commercial operator providing that you are acting under the guidance and supervision of qualified guides/ instructors, where relevant, whilst carrying out such activities (e.g. theme park rides or bungee jumping).
You need to be aware of the following general exclusions:
General exclusion 10 excludes any claim that arises from you or your travel companion not taking all reasonable efforts or Your carelessness, negligence or recklessness avoiding Your Accidental Injury.
General exclusion 18 is related to air travel which means we exclude claims directly or indirectly related to activities and sport that involve air travel to participate in such as gliding or sky diving (but not hot air ballooning when carried out by a licensed operator).
General exclusion 23 excludes any claim that arises directly or indirectly due to you participating in:
- Extreme Sports and Activities; or
- Winter Sports unless you have purchased the Winter Sports Pack; or
- Adventure Sports unless You have purchased the Adventure Sports Pack; or
- scuba diving unless You hold a PADI certification (or similar recognised qualification) or when diving with a qualified instructor. In these situations the maximum depth that this Policy covers is as specified under Your PADI certification (or similar recognised qualification) but no deeper than thirty (30) metres and You must not be diving alone unless you have purchased the Adventure Sports Pack; or
- Mountaineering; or
- any professional competitions or sports in which You receive remunerations, sponsorships or any forms of financial rewards; or
- racing of any kind, other than on foot but this does not include ultra-marathons, biathlons and triathlons; or
- motorcycling for any purpose except involving the use of a motorcycle with an engine capacity of 200cc or less, provided that the driver holds a current Australian motorcycle license and You wear a helmet whilst in use.
Mountaineering means the ascent or descent of a mountain ordinarily necessitating the use of specified equipment including but not limited to crampons, pickaxes, anchors, bolts, carabineers and lead-rope or top-rope anchoring equipment.
Extreme Sports and Sporting Activities means any sports or sporting activities that present a high level of inherent danger (i.e. involve a high level of expertise, exceptional physical exertion, highly specialised gear or stunts).
By way of example, this means that:
You will be covered for things such as:
- amateur golf or tennis
- bungee jumping
- camel or elephant riding
- dragon boating
- inline skating, skateboarding or ice skating
- riding a motorcycle or moped if less than 200cc, You are wearing a helmet and hold an Australia motorcycle license
You will not be covered for things such as:
- big wave surfing
- canoeing down rapids
- cliff jumping
- horse jumping
- mountain biking
- sky diving
- stunt riding
- skiing or snowboarding
- ultra marathons, biathlons, triathlons.
In addition you may be offered the option to add-on a benefit pack that removes the associated activity exclusion and extend cover to include:
Adventure Sports Pack
Included sports and/or activities:
- diving up to forty (40) metres (subject to PADI Certification),
- expedition bicycle touring,
- mountain biking,
- motorcycling (if more than 200cc, You are wearing a helmet and hold an Australia motorcycle license),
- quad biking,
- trekking/mountain trekking up to four thousand (4,000) metres,
- white water rafting of Grade 4 and above,
- 4 wheel driving adventure.
Winter Sports Pack
Included sports and/or activities (but not when Backcountry/Off-piste where relevant):
- glacier walking with a qualified guide,
- snow tubing/rafting,
- snow mobiling.