Hazardous Activities

• What Hazardous Activities are covered Free of Charge with AnnualMultitirip.com?
• What is the difference between 'Incidental and Non Incidental basis'?
• I cannot find the Hazardous Activity I want to do on this list?
• What additional Hazardous Activities can I obtain cover for, subject to payment of an additional premium.
• Amateur is listed next to some of the Activities, what does this mean?
• Does multitrip.com cover scuba diving?
• The maximum altitude for trekking is 4000m, can I trek above this and still be covered?

What Hazardous Activities are covered Free of Charge with AnnualMultitirip.com?
multitrip.com automatically provides Medical and Personal Accident cover for the following activities, conducted on an incidental basis whilst you are on holiday:
Grade 1

• Archery (amateur)
• Badminton (amateur)
• Baseball (amateur)
• Basketball (amateur)
• Beach Games
• Bungee Jump (1)
• Camel/Elephant Riding
• Canoeing (Up to Grade 3)
• Clay Pigeon Shooting
• Cricket (amateur)
• Cycling (other than specified)
• Dinghy Sailing
• Fell Walking
• Fencing
• Fishing
• Football (amateur)
• GAA Football (amateur)
• Golf (amateur)
• Hiking (under 2,000 metres altitude)
• Hockey (amateur)
• Horse Riding (up to 7 days)
• Jet Boating
• Jet Ski-ing
• Jogging
• Manual Work (bar and restaurant, waitress, waiter, chalet maids, au pair and nanny's and occasional light manual work including retail work and fruit picking but excluding the use of power tools and machinery)
• Marathon Running (amateur)
• Motorcycling up to 50cc (wearing a crash helmet, no racing)
• Netball (amateur)
• Non manual work (Including professional administrative or clerical duties only)
• Orienteering
• Outwardbound Pursuits
• Paintballing
• Parascending (over water)
• Pony Trekking
• Quad biking up to 50cc (wearing a crash helmet, no racing)
• Racquetball
• Rambling
• River Canoeing (Up to Grade 3)
• Roller Skating
• Roller Blading
• Rounders
• Rowing
• Running - sprint/long distance (amateur)
• Safari (Ireland/UK organised)
• Sail Boarding
• Sailing within territorial waters
• Scuba Diving* down to 30 metres if qualified and not diving alone or accompanied by a qualified instructor * see the specific question regarding Scuba Diving
• Skate Boarding
• Snorkelling
• Squash (amateur)
• Surfing (amateur, under 14 days)
• Tennis (amateur)
• Tour Operator Safari
• Track Events
• Trekking (under 2,000 metres altitude)
• Volleyball (amateur)
• War Games
• Water Polo (amateur)
• Water ski-ing (amateur)
• White Water Rafting (Grade 1 to 3)
• Windsurfing (amateur)
• Yachting (racing/crewing inside territorial waters)

What is the difference between 'Incidental and Non Incidental basis'?
An incidental basis means that the activity you are doing on holiday is not the specific reason for going on the holiday. Non Incidental is exactly the opposite.
Examples: "I am going on holiday and may have a go a Scuba Diving whilst I'm out there, if I can find a place that does it." - That would be participation in an activity on an 'Incidental' basis. "I am going on a specific Scuba Diving holiday, where my main intention is to Scuba Dive" - That would be on participation on a 'Non Incidental' basis.

I cannot find the Hazardous Activity I want to do on this list?
See Additional Hazardous Activities listed I can obtain cover for in the question below.

What additional Hazardous Activities can I obtain cover for, subject to payment of an additional premium.
We can also provide Medical and Personal Accident cover for the following Activities, as per the terms and conditions stated in the policy wording, subject to payment of an additional premium.

Grade 2 - A 50% Loading on your existing travel premium to cover all activities or €30 per activity if individually selected.

• Boxing Training (no contact)
• Bungee Jump (up to 3 additional jumps)
• Black Water Rafting (Grade 1 to 4) Life jacket and Helmet must be worn
• Camel/Elephant Riding/Trekking (non Incidental)
• Cycle Touring
• Go Karting (Specific use)
• Horse Riding (no Polo, Hunting Jumping)
• Hot Air Ballooning (non Incidental)
• Hurling (amateur)
• Jet Skiing (non Incidental)
• Martial Arts (Training only)
• Mountain Biking
• Parascending (over water, non Incidental)
• Rambling/Trekking between 2,001m and 4,000m
• Safari (non-Irl/UK organised)
• Scuba Diving* (non Incidental/down to 50m) if qualified and not diving alone or accompanied by a qualified instructor (see notes below)
• Sea Canoeing
• Sea Fishing (non Incidental)
• Surfing (amateur)
• Tandem Skydive (up to 2 jumps maximum)
• Triathlon
• White Water Rafting (Grade 4)
• Waterskiing/ Windsurfing/Snorkelling (non Incidental)

Grade 3 - A 100% loading on your existing travel premium to cover all activities or €75 per activity if individually selected

• Abseiling
• American Football (amateur)
• Gliding
• Kayaking
• Motorcycling (with a motorcycle licence, over 50cc wearing a crash helmet - no racing)
• Paragliding
• Rugby (amateur competition)
• Sand Yachting
• Yachting (racing/crewing) outside territorial waters

Grade 4 - A 200% loading on your existing travel premium to cover all activities or €112.50 per activity if individually selected

• Hand Gliding
• High Diving under 5m (amateur, excluding cliff diving)
• Horse Jumping (no Polo, Hunting)
• Micro Lighting
• Parasailing
• Rock Climbing (under 2,000m)
• Rock Scrambling (under 4,000m)
• Canyoning
• Kite Surfing

Amateur is listed next to some of the Activities, what does this mean?
Amateur status is listed beside such sports as running, rugby, football, surfing , tennis and Waterskiing, this means that if you intend to play these sports abroad professionally (i.e. you will be receiving a monetary reward for participation in them) there is no cover under the terms and conditions of the policy for this.

Does multitrip.com cover scuba diving?
Beginners: (This cover is provided free of charge) on an Incidental Basis
Scuba diving to the following depths. Provided you are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving or training agency or organization and not diving alone:

• PADI Open Water - 18 metres
• PADI Advanced Open Water - 30 metres*
• BSAC Ocean Diver - 20 metres
• BSAC Sports Diver - 30 metres*
• BSAC Dive Leader - 30 metres*

We must agree with any equivalent qualification. If you do not hold a qualification, We will only cover you to dive to a depth of 18 metres.
You will not be covered under this policy if you travel by air within 24 hours after participating in Scuba Diving.

Advanced: (This Cover is subject to Grade 2 Activities additional premium) for Greater Dive Depths and Non Incidental Coverage.
Scuba diving to the following depths. Provided You are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving or training agency or organization and not diving alone:

• PADI Open Water - 18 metres
• PADI Advanced Open Water - 30 metres
• BSAC Ocean Diver - 20 metres
• BSAC Sports Diver - 35 metres*
• BSAC Dive Leader - 50 metres*

We must agree with any equivalent qualification. If you do not hold a qualification, We will only cover you to dive to a depth of 18 metres.
You will not be covered under this policy if you travel by air within 24 hours after participating in Scuba Diving.

The maximum altitude for trekking is 4000m, can I trek above this and still be covered?
No. No coverage would be provided by the policy if your planned trekking route exceeds this altitude unless specifically agreed by Underwriters before you embark on it.