IS THAT ACTIVITY COVERED? YOURCOVER & ESSENTIALS

Our YourCover and Essentials policies include a comprehensive list of popular activities covered at no additional premium. For snow sports and the more adventurous activities, add-on options are available at an additional premium

Our plans automatically include cover for Effective November 2018 popular activities such as: For all activities we cover please note: • • Archery • Reasonable care must be taken • Hot Air Ballooning • Bungy Jumping • Participation in any activity in a Professional • Flying Fox • Horse Riding capacity is not covered • Jet • Jet • Racing (other than walking or running races) • • is not covered. are covered - see conditions in Policy wording and this flyer. • White • Snorkelling • Cover for sporting equipment damaged whilst in • Working Holidays use is not included.

Participation in these and other activities is subject to the terms of the Policy Wording.

Customers can also check out our optional extras including cover for adventure activities, motorcycle and moped riding and snow sports.

If you are participating in an extreme version of any listed activity or if you have any questions, please contact your agent or broker.

Limits, sub-limits, conditions and exclusions apply. Insurance administered by Cover-More (NZ) Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL incorporated in ), ABN 13 000 296 640, trading as Zurich New Zealand. Consider the Policy Brochure and wording therein before deciding to buy this product. For further information see Zurich New Zealand’s financial strength rating. Information correct at time of preparation and subject to change. Activity Description Is that activity covered?

A descent down a nearly vertical surface by using Yes. Abseiling a doubled rope that is coiled around the body and attached to some higher point. The practice of using a bow that is drawn by hand and Yes. Archery held, free of any mechanical device, to shoot arrows. Is similar to Skydiving (except it’s not from a plane). BASE stands for the four main types of objects that are jumped, Building, Antenna, Span (bridge), Earth (cliff). BASE jumping can be a dangerous sport and if not approached in the correct manner can result in No. It’s excluded in the Policy Wording BASE Jumping serious injury or death. General Exclusions. Margins of error are small as most BASE jumps are performed well below skydiving’s perceived minimum altitude and often next to solid objects such as cliffs and dams. Involves the use of an inflated rubber inner tube, the Black Water Rafting or kind you would normally find in a car or truck tyre, as Yes. Cover is included if participating in an Cave a flotation device to take you down a river, which may organised guided tour. be in a cave or a canyon.

Body Boarding or Boogie Catching waves while lying on a rubber board. Yes. Boarding

A combat sport, in which two participants fight each Yes. Cover is included if the YourCover other with their fists. Adventure add-on is purchased.

An activity in which a person jumps off from a very high place (generally of several hundred feet/metres) Yes. with one end of an elastic cord tied to his/her ankle and the other end tied to the jumping off point. Known in the U.S. as canyoneering. Involves travelling down creeks or streams within a canyon by a variety of means including walking, scrambling, , Yes. abseiling, and “li-loing” (using an inflatable air bed). Yes. Cover is included if particpating in an The recreational sport of exploring caves organised guided tour. If , see separate criteria. You will need to purchase standard Snow Cross-country skiing is travel on over snow- Sports cover if cross country skiing on a Cross Country Skiing covered terrain. The skier relies on self-propulsion marked trail. If skiing off-piste, purchase rather than on lifts or other motorised pulls. YourCover Snow Sports + add-on cover. Check the Policy Wording for details. Yes. The bicycle, helmet, cycling clothing, and sporting equipment isn’t covered for Cycling Cycling on roads and paths by bicycle or e’bike. damage whilst in use. See the luggage section of the Policy Wording. To move one’s feet or body, or both, rhythmically in a pattern of steps, especially to the accompaniment of Dancing Yes. music. To leap, skip, as from excitement or emotion; move nimbly or quickly. A dog sled is a sled pulled by one or more sled dogs Dog Yes. used to travel over ice and through snow. Activity Description Is that activity covered?

The sport of fighting with swords (especially the use Yes. Cover is provided wearing standard Fencing of foils, epees or sabres to score points under a set protective equipment. of rules). Yes. Cover is included if not in Fishing Including Game Fishing and Sport Fishing. International on a private vessel or privately registered vessel. Football Team sport played with a ball. Yes. Consists of a pulley and cable system mounted on an incline. The user traverses from the top to the bottom of the inclined rope or cable, by holding onto Flying Fox Yes. the freely moving pulley. Often found at outdoor adventure camps where they are usually one element on a larger challenge course, or ropes course. A form of rock climbing whereby the climber ascends a mountain ‘free from aid’ but uses basic climbing Free Climbing No. equipment for safety purposes only, such as tri-cams, nuts and fixed anchors A form of that involves the participant holding their breath underwater for extended periods of time Yes. as opposed to using traditional SCUBA gear or other breathing apparatus Freestyle BMX is bicycle stunt riding on BMX bikes. It is an descended from Freestyle BMX Riding No. BMX racing that consists of five disciplines: street, park, vert, trails, and flatland. Is hiking over a glacier (long-lasting flow of ice that is Yes. Cover is included if participating in an Glacier Walking formed on land and moves in response to gravity). organised guided tour. A recreational activity and competitive sport where individuals fly unpowered aeroplanes usually called No. gliders or sailplanes. A recreational activity closely related to gliding, but using much more minimalistic craft often consisting of a metal-framed fabric wing, with the pilot mounted No. on a harness hanging from the wing frame and exercising control by shifting body weight against a triangular bar also attached to the frame. An excursion by helicopter to remote, pristine Purchase YourCover Snow Sports+ Heli-skiing skiing areas. add-on cover if you plan on heli-skiing. Yes. Cover is included if reasonable care is taken, not competing in a Professional capacity, not racing and not playing polo. Horse Riding Saddled riding on a horse. Note: helmet, riding clothing and sporting equipment isn’t covered for damage whilst in use. See the luggage section of the Policy Wording. A small number of people are carried aloft in a basket Hot Air Ballooning suspended from a large balloon made lighter than the Yes. surrounding air by being filled with heated air. Hunting The activity of hunting wild animals or game. No. The recreational activity of swimming down rapids Hydro Speed Yes. whilst wearing high-buoyancy floats and flippers. Recreational activity of climbing ice formations and No. frozen waterfalls Activity Description Is that activity covered?

The activity of catching fish with lines and fish hooks Ice Fishing or spears through an opening in the ice on a frozen Yes. . Often referred to simply as hockey, is a team sport Ice Hockey Yes. played on ice. A powered which travels through narrow gorges Jet Boating Yes. and difficult waterways. A one-person, motorised water vehicle on which the Jet Skiing Yes. driver stands upright on -like pad. The use of a for moving across water. is generally differentiated from canoeing by the Yes. Cover is included if not travelling in Kayaking sitting position of the paddler and the number of International Waters. blades on the paddle. One person stands on a board with foot straps or Kite bindings and uses the power of a large controllable Yes. kite to propel him and the board across the water. Various sports which originated chiefly in Japan, Yes. Cover is included if the YourCover Martial Arts Korea, and China as forms of self-defence or attack. Adventure add-on is purchased. Sports such as judo, , kendo and tae kwon do. or Thai boxing is the national sport and cultural martial art of Thailand. It was developed Yes. Cover is included if the YourCover Muay Thai (Thai Boxing) several hundreds of years ago as a form of close- Adventure add-on is purchased. combat that utilises the entire body as a weapon.

Motocross Cross-country racing on motorcycles. No.

Motorcycling/ Moped– Riding of a two wheeled motor vehicle powered by If hiring motorcycle/moped under 200cc Driving or Riding as a an engine. Covered, subject to the conditions in the Pillion Passenger Policy Wording: • the engine capacity is 200 cc or less; • whilst in control of a motorcycle or moped You hold a valid New Zealand motorcycle licence or New Zealand motor vehicle driver licence, and You hold a licence valid in the relevant country; • whilst You are a pillion passenger the driver holds a licence valid in the relevant country; • You are wearing a helmet; • You are not participating in a Professional capacity; • You are not racing; and • You are not participating in motocross. Please note: no cover will apply under the Personal Liability Section. If hiring motorcycles/mopeds over 200c Purchase YourCover Motorcycle/Moped Riding + add-on cover. Check the Policy Wording for terms and conditions. Activity Description Is that activity covered?

In its usual sense, it concerns the ascent of mountains of various statures, using various types and amounts of mountaineering equipment. An No. umbrella term that can be used to describe the actions of climbing, hill walking and scrambling. Yes. The bicycle isn’t covered for damage Cycling off-road in mountainous areas using a whilst in use. See the luggage section of sturdy bicycle. the Policy Wording. Yes. Hiring a 4WD: The Rental Car Travelling by 4WD on unpaved and sometimes insurance excess is not covered if damage Off Roading unmarked trails. occurs while the vehicle is driven on an unsealed surface. Swimming in outdoor bodies of water such as open Yes. If swimming is part of a , see Open Water Swimming oceans up to 5km. Triathlon for full criteria. A recreational sport that is best described as a mix of hang gliding and . A Paraglider is free Paragliding flying, unlike the parachutes used in parasailing, Yes. which is generally a passive amusement ride rather than an active sport. Also known as Skydiving – involves individuals jumping out of aircraft, usually travailing at Yes. Purchase YourCover Adventure + Parachuting approximately 4000 metres altitude, and freefalling add-on cover if you plan on skydiving. for a period of time before activating a parachute to slow the landing down to safe speeds. A recreational activity where a person is towed behind Parasailing Yes. a boat while attached to a parachute. A quad bike is an all-terrain vehicle with a straddle Yes. Please note: a quad bike is not Quad Biking seat and handlebars. It is often used for off road tours considered a motorcycle/moped or a and adventures. Rental Car. A sedate and slow pace float downstream on a River Rafting wooden (bamboo) raft using a large stick to guide and Yes. steer the raft Purchase YourCover Adventure add-on Scaling rock masses on mountain-sides (especially cover if you plan on rock climbing (with Rock Climbing with the help of ropes and special equipment). ropes and/or guides, or bolted) at less than 2,000m above level. No. It’s excluded in the Policy Wording Rodeo Events include bull riding and bareback bronco riding. General Exclusions.

Recreational activity of skating in the same direction Yes, if all recommended safety gear is Roller Derby around a track played by 2 teams being worn.

Running of the Bulls The Running of the Bulls is a practice that involves No. It’s excluded in the Policy Wording running in front of a small group of cattle, typically General Exclusions. six, of the toro bravo breed that have been let loose on a course of a sectioned-off subset of a town’s streets. The most famous running of the bulls is that of the eight-day festival of Sanfermines in honour of Saint Fermin in Pamplona, although running of the bulls is held in other in towns and villages across Spain, in Portugal, in some cities in Mexico, at the San José Festival held in Trujillo, in Peru, Mesquite, Nevada and southern France during the amongst others. Activity Description Is that activity covered?

Yes. Cover is included if not travelling in Sailing The sport of operating or riding in a sailboat. International Waters in a private sailing vessel or a privately registered vessel. Paddling on the open waters of the ocean with Yes. Cover is included if not travelling in Sea Kayaking a kayak. International Waters. A two-wheeled self-balancing electric personal Yes. Cover is included if reasonable care is Segway transport vehicle. taken and not racing. Yes. Conditions apply. Note: If diving depths between 30 metres is an underwater activity using a tank and 50 metres below the surface, purchase Scuba Diving and air pressure regulator in order to allow the diver the YourCover Adventure add-on cover. to breathe air during the immersion. Check the Policy Wording for restrictions, terms and conditions. Yes. Cover is included if reasonable care is To hit, wound, or kill with a projectile fired from taken, not hunting and not competing in a Shooting a weapon. To make (a hole, for example) by firing Professional capacity. a weapon. Please note: Personal liability is not covered. Purchase Snow Sports add-on cover if skiing on-piste or cross-country skiiing. The human activity of gliding over snow using skis Skiing (Snow) Purchase YourCover Snow Sports + planks strapped to the feet with ski bindings. add-on cover if skiing off-piste or heli- skiing. Check Policy Wording for terms and conditions. Also known as Parachuting – involves individuals jumping out of aircraft, usually travelling at Purchase YourCover Adventure + add-on Skydiving approximately 4000 metres altitude, and freefalling cover if you plan on skydiving. for a period of time before activating a parachute to slow the landing down to safe speeds. Surface swimming while using a snorkel (tube) to Snorkelling Yes. breathe through. Purchase Snow Sports add-on cover if snow boarding on-piste. Involves descending a snow covered slope with a Purchase YourCover Snow Sports + snowboard attached to your feet. add-on cover if snowboarding off-piste or heli-snowboarding. Check Policy Wording for terms and conditions. Involves the use of a land vehicle that is commonly Purchase Snow Sports add-on cover propelled by a continuous track or tracks at the rear if snowmobiling on-piste. Check Policy Snowmobiling and steered by skis at the front. They are designed Wording for terms and conditions. to be operated on snow and ice, and require no road or trail. No cover if snowmobling off-piste. Yes. Surfboards or waterborne craft are The sport of riding a surfboard toward the shore on Surfing not covered unless lost, stolen or the crest of a wave. damaged whilst in the custody of a Transport provider. A long, narrow, runner-less sled constructed of thin Tobogganing Yes. boards curled upward at the front end.

Wrestling White Water Rafting Water skiing Wake boarding Tuk-tuk Triathlon Trekking Activity Zip Lining moving cable by holdingonto,orattaching to,thefreely to travel fromthetoptobottomof theinclined is designedtoenableauserpropelledby gravity made of stainlesssteel,mountedonanincline.It Consists of apulley suspendedonacable,usually contestants whotry tothrow eachother of hand-to-handstrugglebetweenunarmed The sport called boardsailing, sailboarding equipped withamast,sail,andwishboneboomAlso of sailingstandinguponasailboardThe sport thatis river orotherbody of A recreationalactivity utilisingaraft tonavigate a handle attachedtoa Skiing onwater. Skiers arepulledalongby arope a used torideover water while beingpulledbehind A buoyant board (resemblingasurfboard) thatis A three-wheeledmotorvehicleusedasataxiin events -swimming, bicycling, anddistance An athleticcontest comprising threeconsecutive A journey onfoot, especially inthe Description

motorboat.

pulley.

powerboat. water.

mountains.

down.

running.

Asia. Yes. Yes. Yes. kilometre kilometre swim, 40 kilometre bike and10 in aProfessional capacity) uptoa1.5 closed circuit triathlon(notcompeting add-on Yes. Purchase popular treksabove 4,000 metres. and MtKilimanjaroareexamplesof Note: theIncaTrail, Everest BaseCamp terms and equipment. CheckPolicy Wording for and doesn’trequirespecialistclimbing trek takes morethan2days tocomplete level (includingtheKokoda Trek),ifthe metres and6,000above sea on Purchase equipment. using ropesorothermountaineering Cover isincludedprovided you arenot If trekkingunder4000 Is thatactivity Yes. grade 4 river beingnavigated doesnotexceed Yes. Cover of the isincluded iftheportion Yes. Yes. cover if: cover ina ifparticipating

rapids.

YourCover Adventure +add-

run. conditions.

trekking between4,000 YourCover Adventure

covered?

metres:

NZCM_C030_Activities_Covered_Oct18