P J Hayman & Company Ltd
Travel Insurance & Scheme Specialists

Celebrating 25 Years

Top Up My Cover – Hazardous Activities


The policy that ‘Tops Up’ your Activities cover


People who require cover for an activity that is not covered by their existing travel insurance policy.

If you intend to take part in an activity that is not covered under your existing policy, you will need to buy another one or risk being uninsured.

The cost effective answer is to purchase EXTRA Activities cover and keep your existing insurance.

Cover under all sections of this policy, other than Section 4 – Activity Equipment and Section 7 – Travel Consumer Dispute, only applies whilst you are participating in an Insured Activity.

Top Up My Cover Hazardous Activities can only be purchased as a ‘top up’ to your existing travel insurance policy.


  • Cover for almost any activity
  • Amateur & professional sports
  • Work abroad & activity holidays
  • Medical & emergency expenses up to £10m
  • Search & rescue up to £50,000
  • For trips up to 6 months (3 months if aged 65-69)
  • Up to age 69 years
  • Option to add Travel Consumer Dispute cover*

* provides up to £25,000 for professional fees to pursue a compensation claim against your tour operator, travel agent, pre-booked car hire company, travel or accommodation provider


The policy is available to people aged up 69 years who are registered with a medical practitioner and permanently resident in the United Kingdom (England, Scotland, Wales, Northern Ireland, Channel Islands and the Isle of Man).


White Horse Insurance Ireland dac who are authorised and regulated by the Central Bank of Ireland except for Travel Consumer Dispute which is administered by Legal Insurance Management Limited who are authorised and regulated by the Financial Conduct Authority and arranged by UK General Insurance Ltd on behalf of Great Lakes Reinsurance (UK) SE.


Brokers and Agents:

Or call 02392 419 050 Mon to Fri 9am – 5pm.

Direct customers:

Or call 02392 419 050 Mon to Fri 9am – 5pm.

Last updated: 7th July 2017.


With over 25 years experience in travel insurance, we have created specific products to cater for specific needs. Whether you require cover for a medical condition, hazardous activities, round the world trip, Gap year, etc., we have a policy for you.


As schemes specialists, we are able to provide some unique products; these currently include: ‘Top-up’ Cancellation cover; ‘Top-up’ Activity cover, Euro Plus (breakdown cover for people travelling to Europe); and PJH Worldwide for those who have already travelled and expats.


We have a range of facilities to cover companies; ranging from Group Personal Accident and Travel to Liability cover for Tour Operators. Specific products include: Business; Coach Plus Breakdown; Coach Plus Driver; Cyber Risks Cover; SAFI and IIA Travel Protector.

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The policy that ‘Tops Up’ your Activities cover