Terms and Definitions

Contact Us

This cover is provided on all Long Stay policies subject to an increased Medical Expenses excess of €500 and a reduced Medical Benefit of €1,000,000.

Please also note exclusion of Personal Accident and/or Personal Liability as follows:-

  • 3 day eventing*
  • All-Terrain boarding
  • Artic winter games
  • ATV Racing
  • Barrel racing
  • Biathlon
  • Bobsledding
  • Bobsleigh
  • Boxing**
  • Campdrafting*
  • Canopying (organised groups only)
  • Climbing to 4,500M
  • Cross Country skiing
  • Dog sledding
  • Endurance Horse riding
  • Figure Skating
  • Football (American)**
  • Football (Australian)**
  • Football (Gaelic)
  • Freestyle skiing
  • Glacier Skiing
  • Gymkhana
  • Heli Skiing
  • Hurling
  • Ice Hockey
  • Ice Skating
  • Kitesailing
  • Kitesurfing
  • Land Luge*
  • Luge*
  • monoskiing
  • Mountainboarding
  • Mounted Orienteering
  • Nordic Skiing
  • Parachuting (solo or tandem but not base jumping)*
  • Paragliding (over land)*
  • Parapenting (over land)*
  • Power Kiting
  • Rock Climbing (organised tours only) 
  • Rugby Union/League
  • Sandboarding
  • Scuba Diving to 40 meters (PADI or equivalent Qualified or under supervision)
  • Shinty
  • Show Jumping
  • Skeleton*
  • Ski Stunting*
  • Ski training/racing*
  • Ski Bob**
  • Ski Doos (supervised)
  • Skiing
  • Skydiving*
  • Snowboarding
  • Snowmobiles (supervised)
  • Snowshoeing
  • Snowsurfing
  • Soaring
  • Speed Skating*
  • Tabogganing
  • Vaulting
  • Wakeboarding
  • Winter triathlon
  • Zorbing*

 

*Excludes Personal Accident Cover

** Excludes Personal Liability Cover

*** Excludes both Personal Accident Cover and Personal Liability Cover 

N.B. There is no cover under the Policy for coaches of Extreme Activities other than Rugby Union/League.

IMPORTANT: YOU MUST WEAR THE RECOMMENDED/RECOGNISED SAFETY EQUIPMENT, AND FOLLOW ANY SAFETY PROCEDURES, RULES AND REGULATIONS THAT THE COMPANY PROVIDING THE ACTIVITY OPERATES. OTHERWISE ANY CLAIMS ARISING OUT OF THESE ACTIVITIES COULD BE REPUDIATED BY THE INSURER. PARTICIPATION IN ANY ACTIVITY LISTED ABOVE MUST BE INCIDENTAL TO THE MAIN PURPOSE OF THE TRIP, AND THE ACTIVITY MUST NOT BE THE MAIN FOCUS, OR A SIGNIFICANT PROPORTION OF, THAT TRIP.