Activities Level 1

The following activities are included in the policy at no additional premium.  You are covered under the Personal Accident and Medical Expenses Sections automatically provided that the activity is on an incidental basis and you wear relevant safety equipment and take appropriate precautions.

* Manual work means bar and restaurant, waiter, chalet, maids, au pair and nanny's and occasional light manual work at ground level including retail work and fruit picking but excluding the use of power tools and machinery.

**Scuba Diving means down to 30 metres accompanied and adequately supervised by a qualified diver or instructor.  You must hold a relevant qualification down to this depth otherwise we will only cover you to depths of 18 metres.  No dives less than 24 hours before departure.

Activities Level 2

In addition to Level 1 activities, the following Level 2 activities are included in the policy subject to an additional premium.  Medical Excess is increased to £230, Personal Accident sum insured is reduced by 50% and Personal Liability cover is excluded for these level 2 activities.  These activities are then covered provided you wear relevant safety equipment and take appropriate precautions.

*Scuba Diving means non incidental down to 50 metres accompanied and adequately supervised by a qualified diver or instructor.  You must hold a relevant qualification down to this depth otherwise we will only cover you to depths of 18 metres.  No dives less than 24 hours before departure.

Activities Level 3

In addition to Level 1 and 2 activities, the following Level 3 activities are included in the policy subject an additional premium.  Medical Excess is increased to £450, Personal Accident sum insured is reduced by 50% and Personal Liability cover is excluded for these level 3 activities.  These activities are then covered provided you wear relevant safety equipment and take appropriate precautions