Terms and Definitions

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This cover is provided on all Long Stay policies subject to the standard Medical Expenses excess of  €100. Please also note exclusions of Personal Accident and/or Personal Liability as follows:-

  • Abseiling*
  • Aquathlon
  • Archery**
  • Arm Wrestling
  • Badminton
  • Bankshot Basketball
  • Basketball
  • Beach Basketball
  • Biathle
  • Body Boarding
  • Bocce
  • Boomerang**
  • Bowls
  • Canoeing (inland excluding white water)
  • Carriage or Hay or sleigh rides
  • Clay pigeon shooting***
  • Cricket**
  • Croquet
  • Curling
  • Cycling (not competitive or mountain)
  • Deep Sea Fishing (not commercial or competition)
  • Dingy Sailing
  • Dragon Boating
  • Dressage
  • Dry Skiing
  • Duathlon
  • Elephant riding (less than 2 days)
  • Farm Holiday
  • Farm Work (not involving machinery)
  • Hot Air Ballooning
  • Fell running
  • Fell walking
  • Fishing
  • Flying discs
  • Football (association)***
  • Footbag (hacky sack)
  • Go karting**
  • Golf**
  • Gliding with an instructor, or qualified***
  • Hammer**
  • Handball
  • Heptathlon
  • Hiking (under 1,000 meters no guides or ropes)
  • Horse riding* (helmet must be worn)
  • In Line Skating
  • Javelin**
  • Kayak Polo
  • Kayaking (inland excluding white water)
  • Korfball
  • Lacrosse
  • Land sailing
  • Lapland Trip
  • Laser Games
  • Long Jump
  • Marathon Running
  • Maxi-Basketball
  • Min-Basketball
  • Motor Rallies (excluding racing)***
  • Mountain biking (on road) 
  • Netball
  • Orienteering
  • Paddleball
  • Paintballing**
  • Parascending (over water) 
  • Poney Trekking
  • Race walking
  • Racquetball
  • Rafting (Not White Water)
  • Rambling
  • Roller skating
  • Rollerblading
  • Rounders
  • Rowing
  • Running
  • Safaris/Gorilla Tours (organised only)
  • Sail boarding
  • Sailing (inland/coastal only)
  • Shot Put
  • Snorkelling
  • Soccer
  • Softball
  • Squash
  • Streetball
  • Swimming
  • Table tennis
  • Team handball
  • Tennis
  • Trekking on foot (not in remote or mountainous areas)
  • Triathlon
  • Triple Jump
  • Tug of war
  • Twirling
  • Underwater Hockey
  • Volleyball
  • Water Polo
  • Water Skiing**
  • Wheelchair racing
  • Windsurfing
  • Yachting (inside territorial waters)

* Excludes Personal Accident Cover ** Excludes Personal Liability Cover *** Excludes both Personal Accident Cover and Personal Liability Cover    IMPORTANT: YOU MUST WEAR THE RECOMMENDED/RECOGNISED SAFETY EQUIPMENT, AND FOLLOW ANY SAFETY PROCEDURES, RULES AND REGULATIONS THAT THE COMPANY PROVIDING THE ACTIVITY OPERATES, OTHREWISE 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 PURPOST OF THE TRIP, AND THE ACTIVITY MUST NOT BE THE MAIN FOCUS, OF A SIGNIFICANT PROPORTION OF, THAT TRIP.