Adventures Insurance

northan lights adventures

COVER FOR OVER 400 ACTIVITIES

Adventures is a tailor-made insurance for almost any activity or occupation including amateur sports, manual work, and hazardous pursuits.

The list below are just some of the activities we can cover. Once you’ve found your activity, you can get a quote online.

If your activity is not on the list – please call us on 02392 419 093, and we’ll see if we can provide cover.

IMPORTANT NOTE APPLICABLE TO ALL ACTIVITIES

Professional Sports & Activities: All of the activities are covered on a non-professional and non-competitive basis unless otherwise stated and shown on your schedule of insurance. We consider ‘professional’ to be activities or sports where you are either paid for participating in, receive any element of sponsorship, fees or prize money in excess of £500.​

You are required at all times to follow the safety guidelines for the activity concerned and where applicable must use the appropriate and recommended safety equipment. This would include the use of safety helmets, life jackets, safety goggles, and protective clothing where appropriate.

Please note: A General Exclusion of cover exists under the policy for claims arising directly or indirectly from the insured’s “wilful act of self-exposure to peril”. This means that insurers will not pay the claim if the insured does not meet this policy condition.

View all activities covered:

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
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 Marathons
Equestrian Vaultin
Farm work
Fell Running
Fell Walking
Fencing
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
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 (learning)
Gliding (passenger)
Gliding (Qualified Pilot)
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 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 up to 9 metres, machinery
Marathon running one day event (outside UK)
Marathon running one day event (within UK)
Martial Arts, Aikido or Judo
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
Motorcross, UK & Europe Only
Motor Racing. Vintage Car & Motorcycle-Track events (including Hill Climbs) not Competitive
Motorcycling, Adventure Riding, Endurance Guided tours - EUROPE ONLY
Motorcycling, Adventure Riding, Endurance Guided tours - Worldwide
Motorcycling, Rallies with high endurance, hard terrain - Worldwide
Motorcycling, Rallies with high endurance, hard terrain in Europe - EUROPE ONLY
Motorcycling with appropriate UK licence on public roads
Mountain Biking, Downhill Racing (not BMX)
Mountain Biking, Downhill Leisure (not BMX)
Mountain Biking, Leisure (not BMX or Racing)
Mountain Boarding
Mountaineering, up to 4500m
Mounted Games
Movement or Meditation
Netball
Non manual work
Nordic Skiing
Octopush
Off Road 4 by 4 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, Polo
Professional Sports, Skateboardin
Professional Sports, Snooker Player
Professional Sports, Squash
Professional Sports, Tennis
Professional Sports, Triathlete
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, 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
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)
Trampolining
Tree Canopy Walking
Trekking up to 3000m
Trekking 3000m to 4000m
Trekking 4000m to 6000m
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

Activities Needing Referral

The following list of activities can be considered for a quotation – please call us on 02392 419 093 and we’ll see if we can provide cover. We are open Monday to Friday 9am – 5pm, closed Bank Holidays. Alternatively please proceed with a quote online, saving your details. A referral notice will be sent through to our sales team and a member of staff will contact you at a convenient time.

  • Circus Performers
  • Endurance Tests – Tough Mudder
  • Expeditions
  • Expeditions – Greenland
  • Flying – Stunt Pilot
  • Ice Speedway
  • Manual work above 9 metres or hazardous areas
  • Martial Arts – Full contact
  • Martial Arts – Competitions
  • Motocross (EUROPE ONLY) – Single Trip Only
  • Motorcycling – Adventure Riding/Endurance – Must have experience of similar cc bike – Single Trip Only
  • Motor Racing (Car & Motorcycle) – Desert Rallies/Events – Single Trip Only
  • Motor Racing/Motor Rallies (Stage Rallying/RallyCross – EUROPE ONLY)
  • Mountaineering – Over 4500m
  • North/South Pole Expedition (Guided)
  • Professional Sports – Motor Racing/ Superbike
  • Professional Sports – Water Sports
  • Professional Sports – Winter Sports
  • Professional Stunt person
  • Rowing – Atlantic races etc. – organised event
  • Sailing/Yachting/Motor Cruising – Round the world trips
  • Track Days – Motorcycles & Cars Including Racing
  • Trekking 6000m to 9000m

We may ask for additional information about the trip and activity. If cover can be provided, this may be subject to additional terms or exclusions.