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Summary of Cover
Underwriting Guide
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A tailor-made insurance for almost any activity or occupation including amateur sports, manual work and hazardous pursuits

Brokers and Agents call 0845 230 3526.

Direct customers can apply online or call us on 0845 230 0631 (8am – 6pm Monday to Friday, closed Bank Holidays) for an instant quote and immediate cover.

Alternatively, see below for other options.

  • 400+ activities covered!
  • Sports & hazardous pursuits
  • Top-up cover for activity equipment
  • Work abroad & activity holidays
  • Amateur and Professional sports
  • Group discounts up to 20%
  • Search & Rescue cover up to £50,000

Designed for:
People who require cover for sports, hazardous activities or occupations.

Adventures is available to people aged up to 69 years who are registered with a medical practitioner and permanently resident in the United Kingdom including Channel Islands and Isle of Man.

Key Features:
  • Tailor made cover
    Adventures is available in three parts:-

    Part A: includes essential cover for medical and emergency expenses, specialist activity equipment and up to £50,000 search & rescue costs following an accident, as well as personal accident, personal liability and legal expenses.

    Part B: provides additional cover to bring the policy into line with a ‘standard’ travel policy and includes:- cancellation, curtailment, personal possessions, personal money, travel delay and financial failure cover.

    Part C: Independent Traveller provides extended cover for cancellation, curtailment, delay departure and travel disruption with the addition of accommodation expenses if your trip is disrupted by an event such as a natural disaster e.g. volcanic eruption or if the Foreign and Commonwealth Office (FCO) advises against travel.

    Part A may be taken in isolation.
    Part B can only be taken with Part A.
    Part C can only be taken with Part A and Part B.

  • Financial Failure
    If you select Part B you will be covered up to £2,500 per person should your trip have to be cancelled due to the financial failure of your travel/accommodation provider. This includes up to £1,500 per person for unforeseen additional losses such as unused hotel costs.

  • 24-hour medical emergency assistance
    Experienced multi-lingual co-ordinators and medical specialists are available 24 hours a day, 365 days a year. They will guarantee medical costs where required, liaise with the treating doctor and arrange repatriation if medically necessary.

  • Top-up cover for activity equipment under Part A
    A top-up facility (up to a maximum of £10,000 per person - including a single items, pair or set limit of up to £1,500) is available for Single Trip cover on payment of an additional premium.

  • Top-up cancellation cover under Part B
    You can increase your cover (including the limit for pre-paid activity course fees) up to an overall maximum of £10,000 per person for an additional premium. This option is available on Single Trip cover only.

  • Pre-existing Medical Conditions
    For travellers with an existing medical condition, a medical screening service is available to confirm acceptability of cover - see the Insurance Policy for further details.

  • Group discounts of up to 20%
    For larger parties travelling together and insured under the same policy, attractive discounts are available:-
    - 21-50 persons = 10% discount
    - 51-100 persons = 15% discount
    - 101 or more = 20% discount

  • Single Trip (maximum duration)
    Cover is available for individual trips of up to 6 months continuous cover (3 months if you are aged 65 – 69).

  • Annual Multi-trip cover
    For those taking two or more trips during the year, purchasing an annual policy allows you to travel as many times as you wish throughout a 12 month period. There is a maximum limit of 60 days for each trip.

Underwritten by:
White Horse Insurance Ireland Limited except for Financial Failure cover which is provided by International Passenger Protection Limited and is underwritten by Certain Underwriters at Lloyd’s.

The list of activities and premiums which include Insurance Premium Tax, are shown in the Underwriting Guide.

How to Apply:
To obtain cover, please complete the Application Form and return it, with your payment, to the issuing Broker or Agent, or direct to
P J Hayman & Company Ltd, Stansted House, Rowlands Castle, Hampshire PO9 6DX.

Alternatively, you can apply online or by contacting us on 0845 230 0631 (8am-6pm Monday to Friday, closed Bank Holidays).


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