• Activities covered
• Abseiling
• Activity Centre Holiday
• Aerobics
• Airboarding
• Alligator Wrestling
• Amateur Sports (contact e.g. Rugby and American Football)
• Amateur Sports (non contact e.g. Football, Tennis)
• American Football
• Animal Sanctuary,Refuge Work (Domestic)
• Animal Sanctuary,Refuge Work (Wild)
• Archery
• Archery Tag
• Assault Course (Must be Professionally Organised)
• Athletics
• Badminton
• Bamboo Rafting
• Banana Boating
• Bar Work
• Baseball
• Basketball
• Beach Games
• Big Foot Skiing
• Bird Man (Bognor,Worthing)
• Black Water Canoeing,Kayaking,Rafting (Grades 1 to 3)
• Black Water Canoeing,Kayaking,Rafting (Grades 4 & 5)
• Blade Skating
• Blow Karting
• BMX stunt,obstacle,riding (competitive)
• BMX Stunt,obstacle,riding (Leisure)
• Boardsailing
• Bobbing
• Bobsleigh or Cresta Run
• Body Boarding (Boogie Boarding)
• Body Building
• Bouldering (under 5m)
• Bowling
• Bowls
• Boxing
• Boxing Training (no contact)
• Breathing Observation Bubble (BOB) to 30 metres
• Bull Running
• Bungee Jumping
• Cambo Challenge
• Camel or Elephant Riding
• Canoeing or Kayaking (including white water grades 1 to 3)
• Canoeing or Kayaking (including white water grades 4 to 5)
• Canyoning
• Cat Skiing
• Cave Diving to 50m (must be a professionally organised activity. Must be qualified and not diving alone or accompanied by a qualified instructor)
• Cave Tubing
• Caving or Pot Holing
• Cheerleading
• Circus Performers
• Clay Pigeon Shooting
• Climbing Wall (indoor & outdoor)
• Climbing (cliff,ice) up to 2,000m
• Climbing (up to 3,000m with ropes & or guides or bolted)
• Coasteering
• Competitive Tractor Pull
• Cricket
• Crocodile Cage Diving. Tour operator organised and conducted in a controlled environment not in the wild (in wildlife park)
• Croquet
• Cross Country Running
• Curling
• Cycle (Cross Continental) Endurance Cycling
• Cycling or Cycle Touring (leisure)
• Cyclocross
• Dancing Ballroom or Freestyle
• Devil Karting
• Dinghy Sailing
• Dirt Boarding
• Drag Racing
• Dragon Boat Racing
• Dry Slope Skiing
• Dune Buggying
• Endurance Tests - Tough Mudder
• Endurance Marathons
• Equestrian Vaultin
• Expeditions. REFERRAL.
• Expeditions - Greenland

• Farm work
• Fell Running
• Fell WalkingFencing
• Fishing, Angling. River or sea (including Deep Sea)
• Fives
• Flying or learning to fly
• Flying as passenger (light aircraft not licensed for fare paying passengers)
• Flying as pilot (light aircraft not licensed for fare paying passengers)
• Flying as pilot (commercial piloting). Single Trip Only
• Flying - Stunt Pilot
• Football
• Free Diving
• Free Riding
• Free Running (parkour). Europe only.
• Fruit or Vegetable Picking (under 9m)
• Gaelic Football
• Ghyll Walking or Ghyll Scrambling
• Glacier Skiing
• Glacier Walking (roped or where guides required)
• Glass Bottom Boats
• Gliding Competition
• Go Ape
• Go Karting (organised or booked with specific karting track)
• Goalball
• Golf
• Gorilla Trekking
• Gymnastics
• Handball
• Hang Gliding (UK & EUROPE ONLY)
• Harness Racing
• Heliskiing
• Heptathlon
• High Diving (up to 10m. Excluding cliff diving)
• Hiking, Trekking or Walking under 3,000m
• Hill Walking up to 3,000m
• Hobbie Catting, either inland and coastal
• Hockey (field hockey not ice hockey)
• Horse Jumping (no hunting)
• Horse Riding (in competitions)
• Horse Riding (not in competitions, no polo, Hunting, Jumping)
• Horse Training (not competitive riding)
• Hot Air Ballooning. Passenger (organised activity only)
• Hot Air Ballooning, pilot
• Hurling
• Husky Dog Sledding
• Hydro Jetting
• Hydro Zorbing
• Hydrospeeding
• Ice Climbing, up to 200 mts
• Ice Cricket
• Ice Diving (must be qualified or with a qualified instructor)
• Ice Fishing
• Ice Go Carting
• Ice Hockey
• Ice Marathon (excludes Endurance Marathons)
• Ice Skating (competitions)
• Ice Skating (non-competitive)
• Ice Speedway. REFERRAL.
• Ice Windsurfing
• Icosathlon (Double Decathlon)
• Indoor Climbing (on climbing wall)
• Iron Man Competition
• Javelin Throwing
• Jet Boating
• Jet Skiing
• Jogging
• Jousting
• Kabaddi
• Kick Sledging
• Kite Boarding
• Kite Buggying
• Kite Landboarding
• Kite Surfing
• Kloofing (up to 10 metres)

• Lacrosse
• Land Skiing
• Langlauf
• Luge or Bobsleigh
• Manual work (ground level, no powered machinery)
• Manual work (above 9 metres or hazardous areas). REFERRAL.
• Marathon running one day event (outside UK)
• Marathon running one day event (within UK)
• Martial Arts, Aikido or Judo
• Martial Arts. Cage fighting. UK Europe. REFERRAL.
• Martial Arts - Competition - Full contact wearing safety gear as recommended. REFERRAL.
• Martial Arts - Full contract
• Martial Arts, Karate
• Martial Arts, Kendo
• Martial Arts, Kickboxing
• Martial Arts, Taekwondo
• Micro-lighting (EUROPE ONLY)
• Mixed Gas Diving (down to 50 metres). Must be a professionally organised activity.
• Mixed Gas Diving (over 50 metres). Must be a professionally organised activity.
• Modern Pentathlon
• Mono Skiing
• Owners Club or Marque Rallies (Vintage Cars & Motorcycles) Not Timed Events
• Motocross (Outside Europe). REFERRAL.
• Motor Racing (Car & Motocycle) - Desert Rallies/Events - Single Trip Only
• Motor Racing / Motor Rallies (Stage Ralling/RallyCross - EUROPE ONLY)
• Motor Racing - Including Hill Climbs (UK & Europe). REFERRAL.
• Motor Racing - Vintage Car & Motorcycle - Track Events (including Hill Climbs) - Europe. REFERRAL.
• Motorcycling, Adventure Riding/Endurance Guided tours - Worldwide
• Motorcycling - Adventure Riding/Endurance - Must have experience of similar cc bike - Single Trip Only
• Motorcycling - Adventure Riding/Endurance (Worldwide)
• Motorcycling. Adventure Riding/Endurance (Europe)Motorcycling - Rallies with high endurance, hard terrain - Worldwide. REFERRAL.
• Motorcycling - Trails Riding/Obstacle course (Outside Europe). REFERRAL.
• Motor Rallies (Stage Rallying)/RallyCross - UK & EUROPE ONLY. REFERRAL.
• Mountain Biking, Downhill Racing (not BMX)
• Mountain Biking, Downhill Leisure (not BMX)
• Mountain Biking, Leisure (not BMX or Racing)
• Mountain Boarding
• Mountaineering over 4,500 m. REFERRAL.
• Mounted Games
• Movement or Meditation
• Netball
• Non manual work
• Nordic Skiing
• North/South Pole Expedition (Guided)
• Octopush
• Off-road 4x4 Land Rover driving experience
• Open Water Swimming. Must be organised and with a support boat
• Open water swimming (within sight of land)
• Orienteering or Rambling
• Overland Trips (over 2 days, not organised with a Tour Operator (independent travel)
• Overland Trips (over 2 days, organised with a Tour Operator)
• Paddle Ball or Tennis
• Paddle Boarding, River
• Paddle Boarding, Sea
• Paddle Boarding, white water (grades 1 -3)
• Paddle Boarding, White Water (grades 4 -5)
• Paint Balling or War Games
• Paracarting
• Parachuting (EUROPE ONLY)
• Paragliding (EUROPE ONLY)
• Paramotoring
• Parapenting or Paraponting (EUROPE ONLY)
• Parascending or Parasailing (over land)
• Parascending or Parasailing (over water)
• Passenger Sledge
• Pilates
• Polo (competitive, but non-professional)
• Polo other than competitions
• Polo (Water)
• Polo cross or Polocrosse
• Pony Trekking
• Pot holing
• Power Boating (competitive)
• Power Boating (non competitive)
• Powerlifting
• Professional Entertaining (stage acting,dancing,magician,singing etc on cruise ships)
• Professional Sports, Athletics
• Professional Sports, Badminton
• Professional Sports, Cycling
• Professional Sports, Darts
• Professional Sports, Football
• Professional Sports, Golf
• Professional Sports, Horse Riding
• Professional Sports - Motor Racing. REFERRAL.
• Professional Sports - Other. REFERRAL.
• Professional Sports, Polo
• Professional Sports, Skateboarding
• Professional Sports, Snooker Player
• Professional Sports, Squash
• Professional Sports, Tennis
• Professional Sports, Triathlete
• Professional Sports, Water Sports
• Professional Sports, Winter Sports
• Professional Stunt Person

• Quad Biking or Trekking (recreational use only, no racing)
• Racing (on foot)
• Rackets
• Rafting (including white water grades 1-3)
• Rafting (including white water grades 4-5)
• Rambling or Trekking up to 3,000m
• Rap Running or Jumping
• Racquet Ball
• Restaurant Work
• Rifle Range
• Ringos
• River Boarding
• River Bugging
• River Tubing
• Rock Climbing (with ropes & or guides or bolted) up to 2,000m
• Rock Climbing (with ropes & or guides or bolted) up to 4,000m
• Rock Scrambling (up to 4,000m without Ropes & or Guides or Bolted)
• Rodeo
• Roller Blading (Line Skating or Skate Boarding)
• Roller Derby
• Roller Hockey
• Rounders
• Rowing - Atlantic Races etc. - organised event.
• Rowing, inland or coastal waters
• Rowing, outside coastal waters (not trans-oceanic)
• Rugby
• Running, Sprint or Long Distance (no extreme marathon running) Within UK
• Running, Sprint or Long Distance (no extreme marathon running) Outside UK
• Safari (Horse Back)
• Safari (Not Tour operator organised)
• Safari (Tour Operator)
• Sail Boarding
• Sailing, Yachting, Motor Cruising. Ocean Crossings (all vessel sizes)
• Sailing, Yachting,Motor Cruising. One leg of a round the world race
• Sailing,Yachting,Motor Cruising. Inside territorial waters
• Sailing,Yachting,Motor Cruising. Outside territorial limits (vessel under 45ft)
• Sailing,Yachting,Motor Cruising. Racing outside territorial waters (Not Major Event e.g. Clipper, Fastnet, Caribbean 600, Atlantic Challenge
• Sailing,Yachting,Motor Cruising. Outside territorial limits (vessel over 45ft)
• Sailing,Yachting,Motor Cruising. Flotilla Sailing (tour Operator Organised)
• Sailing,Yachting,Motor Cruising. Racing inside territorial limits
• Sailing/Yatching/Motor Cruising - Round the world trips
• Sand Boarding
• Sand Dune Surfing or Skiing
• Sand Yachting
• Scuba Diving (including night diving) down to 30m
• Scuba Diving (including night diving) down to 50m
• Scuba Diving (including night diving) over 50 metres. Must be a professionally organised activity
• Sea Canoeing or Kayaking
• Sea Kayaking with killer whales (professionally organised activity)
• Shark Diving. Organised activity
• Skeleton
• Ski Acrobatics
• Ski Biking
• Ski Blading
• Ski Boarding
• Ski Dooing
• Ski Flying
• Ski Instructor
• Ski Instructor Course
• Ski Jumping
• Ski Mountaineering (not extreme skiing)
• Ski Racing (other than Ski school)
• Ski Racing (Ski school)
• Ski Randonnee
• Ski Run Walking
• Ski Stunting
• Ski Terrain Parks
• Ski Touring
• Ski Yawing
• Skiing. Cat
• Skiing. Cross Country
• Skiing. Glacier
• Skiing. Heli
• Skiing. Mono
• Skiing. Nordic
• Skiing. Off Piste (guided and not against local advice)
• Skiing. Off Piste (not against local advice. Not guided)
• Skiing. Snowcat
• Skiing (recreational resort)
• Sky Diving. (EUROPE ONLY)
• Sky Surfing. (EUROPE ONLY)
• Slack Lining (above 2 metres)
• Slack Lining (not above 2 metres)
• Sledging or Tobogganing
• Sleigh riding (reindeer, horses or dogs)
• Small Bore Target Shooting
• Snorkelling
• Snow Biking
• Snow Blading
• Snow Boarding
• Snow Bobbing
• Snow Carting
• Snow Decking
• Snow Go Karting
• Snow Kiting
• Snow Mobile, Skidoos,Hobbie catting
• Snow Parascending
• Snow Scooting
• Snow Shoe Walking
• Snow Tubing
• Snow Zorbing
• Snowcat Driving
• Soccer
• Softball
• Speed Sailing
• Speed Skating
• Sphereing
• Spinning
• Squash
• Street Hockey
• Street Luge
• Summer Tobogganing
• Super Karting (organised or booked with specific karting track, no racing)
• Surface water sports
• Surfing UK
• Surfing Outside UK
• Swimming
• Swimming with Dolphins
• Sydney Harbour Bridge
• Table Tennis
• Tall Ship Racing
• Tandem Skydive (EUROPE ONLY) Must be with an instructor or experienced Sky Diver
• Telemarking
• Ten Pin Bowling
• Tennis
• Tobogganing or Sledging
• Track Days. Cars (No Racing)
• Track Days. Motorcycles (UK) (No Racing)
• Track Days. Motorcycles (Non-UK) (No Racing)
• Track Days - Motorcycles & Cars Including Racing. REFERRAL.
• Trampolining
• Tree Canopy Walking
• Trekking up to 3000m
• Trekking 3000m to 4000m
• Trekking 4000m to 6000m
• Trekking 6000m to 9000m
• Trekking, Kilimanjaro
• Trekking Everest Base Camp (fully organised tours only)
• Triathlon or Biathlon (within UK)
• Triathlon or Biathlon (outside UK)
• Tubing
• Tug of war
• Ultimate Frisbee
• Underwater Hockey

• Via Ferratta
• Volleyball
• Wake Boarding
• Walking. Same as Hill walking or Hiking & Trekking up to 3000m
• Water Polo
• Water Ski Jumping
• Water Skiing
• Weight Lifting or Training
• Whale Watching
• Wicker Basket Tobogganing
• Wind Tunnel Flying
• Windsurfing
• Winter Walking (not glacier)
• Wreck Diving to 50m (must be a professionally organised activity and NOT diving at night. Must be qualified and not diving alone or accompanied by a qualified instructor)
• Wrestling. Not professional
• Xterra Triathlon
• Yoga
• Zapcat racing
• Zero Gravity Flying (Vomit Comet). Must be professionally organised
• Zip Trekking or Zip Lining
• Zorbing

Adventures is available to people aged up to 75 years or under at the time of taking out this insurance. They must be registered with a medical practitioner and permanently resident in the United Kingdom including Channel Islands and Isle of Man.

Adventures policies are available to those up to age 75. However, there are some additional trip limits for travellers aged 65 and above. Please see the trip limits tab for more information.

Single Trip

There is a limit of 6 months (limited to 3 months for ages 65-69 and 31 days for ages 70-75)

Annual Trip

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 annual multi-trip limit of 60 days for each trip (limited to 31 days for ages 70-75 years).

All sports are covered on a non-professional and non-competitive basis unless otherwise stated.

We consider ‘professional’ to be activities or sports where you are either paid for participating in, or receive any element of sponsorship, fees, or prize money in excess of £500.

If urgent assistance is required, the Healix Medical Assistance team is available on Tel: +44 (0) 208 608 4254 (or Email: PJHaymanSompo@healix.com).

Callers should quote 'Adventures Travel Insurance' when connected to an operator.

The service is open 24 hours a day, 365 days a year. The call operators are highly trained and can advise on all aspects of assistance, making arrangements for hospital admission, repatriation and medical expenses.

Each operator is a medical specialist who can liaise with doctors and arrange repatriation if medically necessary.

If you require a claim form, please contact:

Claims Department
P J Hayman & Company Limited
Stansted House
Rowlands Castle
Hampshire
PO9 6DX

Telephone: 02392 419 895

Email: claims@pjhayman.com

You should quote ‘Adventures Travel Insurance’ in all communications until you recieve your unique reference number.

We are dedicated to providing you with a high-quality service and want to ensure that this is maintained at all times. If you feel that we have not offered a first class service or you have any questions or concerns about this Policy or the handling of your claim please contact us, quoting Agreement Reference Number B6151PJHADV2024, and We will do our best to resolve the problem.

If you have any questions or concerns about the insurance or the handling of a claim, you should, in the first instance, contact your Scheme Administrator:
Compliance Manager
PJ Hayman & Company Limited
Stansted House
Rowlands Castle
Hampshire
PO9 6DX

Email: customerservices@pjhayman.com

We will aim to resolve your concerns within three (3) business days, following receipt of your complaint. A written Summary Resolution Communication will be provided to you if the complaint is resolved to your satisfaction.

In the unlikely event that you remain dissatisfied, you may be entitled to refer the matter to the Financial Ombudsman Service, free of charge.

If your complaint cannot be resolved within three (3) business days we will send you an acknowledgement letter to explain that your complaint has been escalated to the Head of Compliance, who will investigate your complaint and keep you informed throughout the process.

We will investigate your complaint and provide one of the following within eight (8) weeks of receipt of your complaint:

• A final response letter explaining the outcome of our investigation, the reason for our decision and information on the steps to take, should you remain dissatisfied; or
• A holding letter confirming when we anticipate we will have concluded our investigation.

Referring to the Financial Ombudsman Service:
Should you remain dissatisfied with the outcome of our investigation or we are unable to conclude our investigation within eight (8) weeks, you may be able to refer your complaint to the Financial Ombudsman Service (*if eligible), provided you do so within six (6) months of the date of the Final Response.

The contact details for the Financial Ombudsman are:
Financial Ombudsman Service
Exchange Tower
Harbour Exchange
London
E14 9SR

Customer Helpline: 0800 023 4567 or 0300 123 9123

Email: complaint.info@financialombudsman.org.uk

Visit the Financial Ombudsman Website

The Financial Ombudsman Service may not be able to consider a complaint if you have not provided us with the opportunity to resolve it first, or if you are:

• A small business which has an annual turnover of more than £6.5 million; and has an annual balance sheet of more than £5 million; or employs more than 50 persons.
• A trustee of a trust with a net asset value of more than £5 million; or
• A charity with an annual income of more than £6.5 million.

The Financial Ombudsman Service is an independent service in the UK for settling disputes between consumers and businesses providing financial services. The complaints handling arrangements above are without prejudice to your rights in law.