Holidays are for relaxing, but they're also for doing. Whether it's cycling, surfing, or hiking, there are so many adventures to be had while you're away. Luckily, with many of our policies, we automatically cover 100+ typical and not so typical activities.
Being covered for certain activities means:
On this page, we'll tell you what you're covered for, what you're not covered for, and answer questions about activities and how to make sure you're protected on holiday.
Being covered for a range of activities is possible with a:
The below is a guide to the sort of activities we cover. Please note that these activities need to be recreational, and if you're doing winter sports, you'll need to purchase a Winter Sports Pack.
Find out more about some of the more popular activities that we cover by clicking on the links below.
The rush of extreme sports is something many people love on holiday. From bungee jumping to zorbing, we cover a range of extreme sports for the adventure enthusiast. You can see the full list in the table above, but we've got a bit of extra information on a few of our more popular outdoor activities/extreme sports.
We cover a lot of activities, but there are some dangerous and risky things that are excluded. If you’re going to take part in the following, beware that you won’t be covered.
You’re in control of a moped or scooter without a current New Zealand motorcycle or drivers license, or you are a passenger travelling on a moped or scooter that is in the control of a person who does not hold a current motorcycle or driver’s license valid for the country you are travelling in
You take part in an activity under the influence of any intoxicating liquor or drugs (except a prescribed drug)
You don’t follow instructions and wear the appropriate safety equipment
Racing activities that aren't on foot
Sailing more than ten nautical miles from any landmass
Competitive rugby league or rugby union
Mountaineering or rock-climbing using ropes or climbing equipment
Hiking or trekking above an altittude of 3500m
You're partaking in professional sports
Diving if you or your instructor don't hold a PADI accredited license
Expeditions to inaccessible areas
Think about your fitness levels, and plan your activities accordingly. If you’ve got your heart set on scaling remote mountains, or going rock-climbing under the blazing sun, make sure it’s something you’re physically capable of. If you’re going on a holiday and you’ll be doing strenuous activity, keeping your fitness levels up before you go is good practice.
Make sure any courses/activity operators are certified or accredited by the appropriate body. For example, diving schools should be registered with the Professional Association of Diving Instructors (PADI), and bungee jumping operators should be trained in accordance with international safety standards.
Make sure to wear safety gear during activities. For example, never refuse to wear a helmet while cycling, or riding a scooter, and always listen to the recommendations of your instructor.
If you’re going to be doing activities in remote areas, it’s advisable that you’re covered for medical evacuation in case you get injured and need to be evacuated.
We cover many pre-existing medical conditions, but it’s really important that you let us know what your condition are, so we can let you know what you’ll be covered for and what you won’t.
You will be able to get cover for medical expenses that arise out of the activities that we cover. Nothing else except medical related incidents will be covered, ie. if you need to cancel pre-paid activities, or if you have to reschedule flights because of the injury. See the PDS for details.
Credit card travel policies often exclude activities such as skiing or watersports or other ‘adventure’ activities from cover. However, this is something you’ll need to check with your individual insurer, especially if you’re planning to take part in a lot of activities.
Scuba diving is covered if you have a PADI certificate, or you’re diving with someone who is a licensed instructor. Read more about the PADI certification and find out how to make sure you’re diving with a licensed instructor.
You don’t need to do anything extra - unless you’re taking part in winter sports. If you’re taking part in winter sports, you have to add the Winter Sports Pack to your policy.
Otherwise, our listed activities are generally covered automatically.
Exclusions do apply, so check the PDS for details.
We’d love to help you out with any activities that you’re undertaking - but some activities are just simply too dangerous for us to take the risk of being your insurer. If you’re about to go away and you’re not sure whether we cover a particular activity, then please contact us so we can help you.
As long as you’re bungee jumping with an accredited instructor and you follow all instructions regarding safety equipment, then you’ll be covered.
Generally, you’ll be covered, but there are certain conditions you have to meet. If you’re the person riding the moped/scooter/motorcycle, then you’ll need an New Zealand motorcycle or drivers license. If you’re a passenger travelling on a moped/scooter/motorcycle, the person who is in control of the vehicle needs to hold a current motorcycle license valid for the country you are travelling in.
You’ll be covered if you’re doing adventure travel, as long as your circumstances fall within the PDS.
We cover all ages at 1Cover, and generally you just need to have the appropriate fitness and health levels for the activities you take part in. If you have any questions, please contact us, so we can help you.
You can still take part in activities, but you’ll need to make sure you declare your pre-existing medical conditions. If something happens to you while you’re taking part in an activity and it’s because of your pre-existing medical condition, we might not be able to cover you.
No, your premium won’t go up if you’re taking part in adventure activities that we cover, unless you add a Winter Sports Pack to your policy. However, you need to be aware of the exclusions that apply in regards to the adventure activities that we cover.
Yes, you can still get cover if you take part in an adventure/activity that’s excluded. But if you do take part in an excluded adventure/activity and something happens to you as a result of that particular activity, then you won’t be covered for anything that happens to you.
See the table one this page for a general list of what we don’t cover, or check the PDS for full details.
If you have any questions or queries, or you'd just like to know more about
1Cover Travel Insurance, get in touch with us. Our expert team are here to help you.