Activities & Destinations FAQs#

Which recreational activities are not covered by my policy?

Ready to dive into your next adventure? Check out our full list of covered activities tailored to each of our policies. Can't find your activity on the list? No worries! Just chat to our friendly customer service team who will confirm if we’ve got you covered.

Is mountain rescue included in my cover?

In a medical emergency, we've got your mountain rescue costs covered, provided you're at a known location. However, search and rescue from unknown locations or for non-medical reasons aren’t included. For the full details, please check out the medical emergency section of our policy.

Why have your activity packs changed?

We’re always innovating to bring you the best. Now, every policy includes coverage for over 150 activities as standard! Discover what’s covered here.

Am I covered for winter sports on my Multi Trip policy?

Planning a snowy escape? Make sure you’re fully protected by upgrading to our specialist Winter Sports Multi Trip policy. This ensures you and your equipment are covered while you hit the slopes. You can upgrade your policy in the Customer Area.

What sports and activities do you cover?

Curious about what adventures we cover? Take a look at the full list of activities we cover, organized by policy type. If your activity isn’t listed, no problem! Just talk to our customer service team who will let you know if we can provide coverage.

Do you cover Off Piste Skiing?

Our Winter Sports policies cover both on and off-piste skiing and snowboarding within resort boundaries as standard. Make sure to select this option during your quote journey for proper coverage. If you've already purchased your policy, it's easy to upgrade.

Which winter sports are covered under the winter policies?

Enjoy winter sports like skiing, snowboarding, and ice skating with our coverage. For a detailed list, visit our Winter Sports activities page.

Do you cover sports equipment?

Coverage varies based on your equipment, chosen activity, and selected cover level. Log into your Customer Area to review your policy wording for specifics.

Am I covered to use a an e-bike/electric scooter on holiday?

This is not something we offer cover for. You can see which activities we can cover in our list of activities.

If I am going on a golf holiday is that covered as standard on my policy?

Yes, this is one of the many activities we cover as standard. For more information about other activities covered as standard, please click here. We also have a Golf Extension that you add to your policy for a nominal fee to cover for specific golf coverage. To add this to your policy, please log in to the Customer Area.

What countries are covered under the different destination brackets?

You can find more information about the countries we cover for travel insurance under our destination countries and regions page.

I can't find my destination on your list - does this mean it's not covered?

Can't find your destination on our list? Search by the specific country you're traveling to. We cover nearly all countries, except those restricted by FCDO advice. Check the FCDO website more details on advice for specific countries.

What is covered under Europe?

Visit our 'Help Centre' on the website to find a comprehensive list of countries we cover, including specific coverage areas. Easily search for your destination by clicking here.

What is covered under Worldwide?

Explore our comprehensive list of covered countries and their specific coverage areas in our 'Help Centre' on the website. Simplify your search for specific destinations by checking our destination countries and regions page.

Why have your destinations changed?

We're always evolving our products and services to better serve you. Click here to see which destination country or region grouping your travel country falls under.

Do you class the Channel Islands as UK?

The Channel Islands fall under our Europe destination group. If you reside in these islands, you are treated as a UK resident for policy purposes.

Do you class Isle of Man/Isle of Scilly as UK?

The Isle of Man and Isle of Scilly are included in our Europe destination group. If you live on these islands, you are considered a UK resident for policy purposes.

Do I need worldwide cover for overnight stop overs?

For stopovers under 24 hours, you don’t need additional geographical cover. For instance, if you’re covered for Australia and stop over in the USA briefly, your Australia cover suffices.

Am I covered for trips within the UK on my Multi Trip policy?

Yes, we cover UK holidays where you have booked and paid for accommodation for two nights or more, equivalent to three days.

Which countries can I actually travel to?

Please check travel restrictions for England, Scotland, Northern Ireland, and Wales, as regulations may vary. Always review the government and FCDO’s foreign advice checklist before travel. Trips against FCDO advice are not covered, so verify this before booking or departing. Stay updated with the latest advice and sign up for email travel alerts on each destination’s travel advice page.

Why is Turkey not classed as Europe on your policies?

Turkey spans both Asia and Europe, with 95% in Asia and 5% in Europe. While it's part of Europe but not in the EU, many insurance companies exclude it from European coverage. Our policies cover Turkey under Worldwide excluding USA, Caribbean & Canada. Click here to see which category each country falls under.

Why is Cyprus not covered under Europe when it is in the EU?

Cyprus, despite its political EU membership, is geographically closer to the Middle East. Therefore, it may be categorized differently by insurers, such as under the Mediterranean or Asia/Middle East regions. Our policies cover Cyprus under Worldwide excluding USA, Caribbean & Canada. Click here to see which category each country falls under.