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Covered Sports and Activities

If you’re going on an adventure holiday, chances are you’ll be participating in one or more sports or activities. Even if you’re not, an opportunity may arise during your trip for you to ‘have a go’.

Either way, you’ll want to make sure you’re covered in case you suffer a loss or injury.

Below is a list of the sports and activities that Budget Direct travel insurance covers. This cover is subject to:

  • you following the relevant safety guidelines and using the recommended safety equipment
  • the sport or activity not being part of a competition or tournament or played professionally.

With a few exceptions, any sport or activity not listed below is not covered.

Going on a skiing holiday? See our separate list of covered snow sports

What’s covered

Abseiling (fully harnessed)*† Yes
Amateur athletics Yes
Archaeological digging Yes
Archery - amateur and occasional only Yes
Assault course (no weapons)*† Yes
Badminton - amateur and occasional only Yes
Baseball - amateur and occasional only Yes
Basketball - amateur and occasional only Yes
Battle re-enactment (no live firearms)*† Yes
Breathing observation bubble diving (maximum depth 30 metres)* Yes
Bridge walking – supervised by a fully trained guide only* Yes
Bungee jumps (three jumps maximum) Yes
Camel or elephant riding or trekking† Yes
Canoeing (grade 1 and 2 rapids or lower)† Yes
Canoeing (grade 3 and 4 rapids)*† Yes
Canopy walking or tree-top walking* Yes
Cave tubing or river tubing*† Yes
Clay-pigeon shooting† Yes
Coasteering – amateur and occasional only*† Yes
Conservation or charity work (educational and environmental - working with hand tools only)† Yes
Cricket – amateur and occasional only Yes
Cycle touring† Yes
Cycling Yes
Dragon boating† Yes
Dune or wadi bashing† Yes
Falconry*† Yes
Football – amateur and occasional only† Yes
Go-karting*† Yes
Golf – amateur and occasional only Yes
Gorge swinging or canyon swinging (no personal accident or personal liability cover with Domestic Cover) Yes
Gorge walking*† Yes
Hockey† Yes
Horse riding (not polo, hunting or jumping)† Yes
Hot-air ballooning*† Yes
Husky sledge driving* Yes
Jet boating† Yes
Jet skiing† Yes
Jogging Yes
Kayaking (grade 1 and 2 rapids or lower)† Yes
Kayaking (grade 3 and 4 rapids)*† Yes
Lugeing – not ice*† Yes
Marathons – amateur and occasional only† Yes
Martial arts – training only† Yes
Motorcycling – 125cc and over (please note General Exclusion 11 in the PDS)† Yes
Motorcycling – under 125cc (please note General Exclusion 11 in the PDS)† Yes
Mountain biking – not racing or extreme ground conditions or stunts† Yes
Mud buggying*† Yes
Netball – amateur and occasional only Yes
Orienteering – amateur and occasional only Yes
Ostrich riding (not racing)*† Yes
Paintballing – wearing eye protection*† Yes
Parasailing* Yes
Parascending – over water† Yes
Passenger in private or small aircraft or helicopter*† Yes
Quad biking*† Yes
Rafting – white or black water (grade 3 and 4 rapids)*† Yes
Rafting – white or black water (grade 1 and 2 rapids)† Yes
Rambling Yes
Refereeing – on an amateur basis Yes
Rock climbing – indoor and harnessed† Yes
Roller blading (no racing, half-pipe, stunts or extreme skating) Yes
Rowing – amateur and occasional only Yes
Rugby codes – amateur and occasional only† Yes
Running - sprint and long distance Yes
Safari Yes
Sand boarding Yes
Sand yachting† Yes
Scuba diving (qualified, maximum depth 30 metres, not diving alone)† Yes
Scuba diving (unqualified but with instructor, maximum depth 30 metres)*† Yes
Sea canoeing or kayaking – short or day trips only, with overnight stays (not on water)† Yes
Sea canoeing or kayaking – day trips and coastal only Yes
Sleigh rides – as part of a Christmas trip to Northern Europe Yes
Skateboarding (no racing, half-pipe, stunts or extreme skating) Yes
Snorkelling Yes
Squash Yes
Surfing (not big wave or extreme surfing) Yes
Swimming Yes
Target rifle shooting† Yes
Tennis - amateur and occasional only Yes
Trekking or hiking (over 3,000 metres but under 5,000 metres altitude)* Yes
Trekking or hiking (under 3,000 metres altitude) Yes
Tubing* Yes
Volleyball – amateur and occasional only Yes
Wake boarding (no stunts) Yes
Water polo – amateur and occasional only Yes
Waterskiing (no stunts) Yes
Windsurfing† Yes
Yachting – not racing and sailing inside territorial waters† Yes
Zip lining*† Yes
Zorbing* Yes

*Must be available to the general public, be conducted by a commercial operator, not be considered extreme risk, and not require special skills or a high level of fitness to undertake.
You are not covered for Personal Accident (section F of the product disclosure statement) or Personal Liability (section G). For more details, please read the PDS.

Unlisted activities still covered

If an activity is not listed above, it will still be covered by us provided:

  • people of all ages can participate in it, including activities with height or general health warnings that do not require specialised equipment or a high level of fitness (e.g. bushwalking)
  • the activity is provided by a commercial operator and open to people of all ages, including activities with height or general health warnings (e.g. Disneyland rides).

Excess

An excess applies to all claims arising from the covered sports and activities; in most cases the excess is $200.

Higher excesses apply to mountain biking, rugby codes, and trekking or hiking ($250); martial arts and quad biking ($500); and motorcycling ($250 or $500, depending on engine size).

Find out more

The information on this page is a summary only. For more details about Budget Direct travel insurance, including the terms, conditions, limits and exclusions that apply, please read the product disclosure statement (PDS).

BD:Travel:Covered-Sports-Activities
BD:Travel
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