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
|Abseiling (fully harnessed)*†||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|
|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|
|Dune or wadi bashing†||Yes|
|Football – amateur and occasional only†||Yes|
|Golf – amateur and occasional only||Yes|
|Gorge swinging or canyon swinging (no personal accident or personal liability cover with Domestic Cover)||Yes|
|Horse riding (not polo, hunting or jumping)†||Yes|
|Husky sledge driving*||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|
|Netball – amateur and occasional only||Yes|
|Orienteering – amateur and occasional only||Yes|
|Ostrich riding (not racing)*†||Yes|
|Paintballing – wearing eye protection*†||Yes|
|Parascending – over water†||Yes|
|Passenger in private or small aircraft or helicopter*†||Yes|
|Rafting – white or black water (grade 3 and 4 rapids)*†||Yes|
|Rafting – white or black water (grade 1 and 2 rapids)†||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|
|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|
|Surfing (not big wave or extreme surfing)||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|
|Volleyball – amateur and occasional only||Yes|
|Wake boarding (no stunts)||Yes|
|Water polo – amateur and occasional only||Yes|
|Waterskiing (no stunts)||Yes|
|Yachting – not racing and sailing inside territorial waters†||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).
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).