IS THAT ACTIVITY COVERED?

Our international Options and Essentials policies include a comprehensive list of popular activities covered for no additional premium.

Our plans automatically include cover for Effective June 2017 popular activities such as: For all activities we cover please note: • • • 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 • • Skydiving • Cover for sporting equipment damaged whilst in use is not included. • Snorkelling • White • Working Holidays

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

For more information please contact your travel agent or call us on 0800 500 225.

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 . Consider the Policy Brochure and wording therein before deciding to buy this product. For further information see Zurich New Zealand’s financial strength rating. 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 No. It’s excluded in the Policy Wording other with their fists. General Exclusions. 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. Cross-country skiing is travel on over snow- Refer to the Policy Wording. Note: Off Cross Country Skiing covered terrain. The skier relies on self-propulsion piste skiing is excluded. rather than on lifts or other motorised pulls. Yes. Cover is included if reasonable care is taken, not competing in a Professional Cycling on roads and paths by . capacity and not racing. The bicycle isn’t covered for 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 Yes. Cover is included if not competing in Dancing music. To leap, skip, as from excitement or emotion; a Professional capacity. move nimbly or quickly. A dog sled is a sled pulled by one or more sled dogs Yes. Cover is included if reasonable care Dog used to travel over ice and through snow. is taken. 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). Activity Description Is that activity covered?

Yes. Cover is included if wearing standard Including Game Fishing and Sport Fishing. protective equipment. Yes. Cover is included if not competing in Football Team sport played with a ball. a Professional capacity. 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 camps where they are usually one element on a larger challenge course, or ropes course. A form of whereby the climber ascends a mountain ‘free from aid’ but uses basic climbing No. It’s excluded in the Policy Wording Free Climbing equipment for safety purposes only, such as tri-cams, General Exclusions. nuts and fixed anchors A form of that involves the participant holding Yes. Cover is included if reasonable care their breath underwater for extended periods of time is taken and participation is not in a as opposed to using traditional SCUBA gear or other Professional capacity. breathing apparatus Freestyle BMX is bicycle stunt riding on BMX bikes. It is an descended from No. It’s excluded in the Policy Wording Freestyle BMX Riding BMX racing that consists of five disciplines: street, General Exclusions. 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 No. It’s excluded in the Policy Wording individuals fly unpowered aeroplanes usually called General Exclusions. 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. It’s excluded in the Policy Wording on a harness hanging from the wing frame and General Exclusions. exercising control by shifting body weight against a triangular bar also attached to the frame. An excursion by helicopter to remote, pristine No. Off piste skiing is excluded in the Heli-skiing skiing areas. Policy Wording General Exclusions. Yes. Cover is included if reasonable care Horse Riding Saddled riding on a horse. is taken, not competing in a Professional capacity, not racing and not playing polo. 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. No. It’s excluded in the Policy Wording Hunting The activity of hunting wild animals or game. General Exclusions. The recreational activity of swimming down rapids Yes. Cover is included if reasonable care Hydro Speed whilst wearing high-buoyancy floats and flippers. is taken. Recreational activity of climbing ice formations and No. Refer to Cover-More. frozen waterfalls The activity of catching fish with lines and fish hooks Yes. Cover is included if reasonable care Ice Fishing or spears through an opening in the ice on a frozen is taken. . Yes. Cover is included if reasonable Often referred to simply as hockey, is a team sport Ice Hockey care is taken and not competing in a played on ice. Professional capacity. Activity Description Is that activity covered?

Yes. Cover is included if reasonable care A powered which travels through narrow gorges Jet Boating is taken, not competing in a Professional and difficult waterways. capacity and not racing. A one-person, motorised water vehicle on which the Yes. Cover is included if not racing and not Jet Skiing driver stands upright on -like pad. competing in a Professional capacity. The use of a for moving across water. Kayaking Yes. Cover is included if reasonable is generally differentiated from by the care is taken, not competing in a Kayaking sitting position of the paddler and the number of Professional capacity and not travelling in blades on the paddle. international . One person stands on a board with foot straps or Yes. Cover is included if reasonable care bindings and uses the power of a large controllable is taken. kite to propel him and the board across the water. Various sports which originated chiefly in Japan, Martial Arts Korea, and China as forms of self-defence or attack. No. Refer to Cover-More. 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 Muay Thai (Thai Boxing) No. Refer to Cover-More. several hundreds of years ago as a form of close- combat that utilises the entire body as a weapon. A motorised two-wheeled vehicle subject to local Moped­–Driving or Riding speed regulations. Typically, mopeds are restricted to Refer to the Policy Wording for details. as a Pillion Passenger 30-35 mph (about 50-55 km/h). No. It’s excluded in the Policy Wording Moto Cross Cross-country racing on motorcycles. General Exclusions. Motorcycling–Driving Riding of a two wheeled motor vehicle powered by or Riding as a Pillion Refer to the Policy Wording for details. an engine. Passenger In its usual sense, it concerns the ascent of mountains of various statures, using various types No. It’s excluded in the Policy Wording and amounts of mountaineering equipment. An General Exclusions. umbrella term that can be used to describe the actions of climbing, hill walking and scrambling. Yes. Cover is included if reasonable care is taken, not racing in a Professional or free Cycling off-road in mountainous areas using a styling capacity. The bicycle isn’t covered sturdy bicycle. for damage whilst in use. See the luggage section of the Policy Wording. Yes. Cover is included if reasonable care is taken, not competing in a Professional Travelling by 4WD on unpaved and sometimes capacity and not racing. Hiring a 4WD: The Off Roading unmarked trails. Rental Car insurance excess is not covered if damage occurs while the vehicle is driven on an unsealed surface. Swimming in outdoor bodies of water such as Yes. Cover is included if reasonable care is Open Water Swimming open oceans. taken and not racing. A recreational sport that is best described as a mix of hang gliding and . A Paraglider is free Paragliding flying, unlike the used in parasailing, Yes. which is generally a passive amusement ride rather than an active sport. Parachuting See Skydiving See Skydiving. A recreational activity where a person is towed behind Parasailing Yes. a boat while attached to a . Activity Description Is that activity covered?

Yes. Cover is included if reasonable care A quad bike is an all-terrain vehicle with a straddle is taken, not competing in a Professional Quad Biking seat and handlebars. It is often used for off road tours capacity and not racing. Please note: a and . quad bike is not considered a motorcycle/ moped or a Rental Car. A sedate and slow pace float downstream on a Yes. Cover is included if reasonable care is River Rafting wooden (bamboo) raft using a large stick to guide and taken and not racing. steer the raft Scaling rock masses on mountain-sides (especially No. It’s excluded in the Policy Wording Rock Climbing with the help of ropes and special equipment). General Exclusions. No. It’s excluded in the Policy Wording Rodeo Events include bull riding and bareback bronco riding. General Exclusions. Yes. Cover is included if not competing Recreational activity of skating in the same direction Roller Derby in a Professional capacity and all around a track played by 2 teams recommended safety gear is being worn. The Running of the Bulls is a practice that involves running in front of a small group of cattle, typically six, of the toro bravo breed that have been let loose on a course of a sectioned-off subset of a town’s streets. No. It’s excluded in the Policy Wording Running of the Bulls The most famous running of the bulls is that of the eight-day festival of Sanfermines in honour of Saint General Exclusions. 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. Yes. Cover is included if not travelling in The sport of operating or riding in a sailboat. International Waters in a private sailing vessel or a privately registered vessel. Yes. Cover is included if reasonable care Paddling on the open waters of the ocean with is taken, not competing in a Professional Kayaking a kayak. capacity, not racing and not travelling in international waters. A two-wheeled self-balancing electric personal Yes. Cover is included if reasonable care is Segway transport vehicle. taken and not racing. is an underwater activity using a tank Yes. Cover is included if an Open Water Scuba Diving and air pressure regulator in order to allow the diver Diving Certificate is held or if diving with a to breathe air during the immersion. qualified diving instructor. Yes. Cover is included if reasonable care is To hit, wound, or kill with a missile fired from a taken, not hunting and not competing in a Shooting weapon. To make (a hole, for example) by firing Professional capacity. a weapon. Please note: Personal liability is not covered. The human activity of gliding over snow using skis Skiing (Snow) Refer to the Policy Wording. planks strapped to the feet with ski bindings. Also known as Parachuting – involves individuals jumping out of , usually travelling at Skydiving approximately 4000 metres altitude, and freefalling Yes. for a period of time before activating a parachute to slow the landing down to safe speeds. Activity Description Is that activity covered?

Surface swimming while using a snorkel (tube) to Yes. Cover is included if reasonable care Snorkelling breathe through. is taken. Involves descending a snow covered slope with a Refer to the Policy Wording. snowboard attached to your feet. Involves the use of a land vehicle that is commonly propelled by a continuous track or tracks at the rear Snowmobiling and steered by skis at the front. They are designed Refer to the Policy Wording. to be operated on snow and ice, and require no road or trail. Yes. Cover is included if reasonable care is taken and not competing in a Professional capacity. The sport of riding a surfboard toward the shore on Surfing the crest of a wave. Surfboards or waterborne craft are not covered unless lost, stolen or damaged whilst in the custody of a Transport provider. Taekwondo is an empty-hand combat form that entails the use of the whole body. Tae means to Taekwondo kick or smash with the feet. Kwon implies punching No. Refer to Cover-More. or destroying with the hand or fist. Do means way or method. A long, narrow, runner-less sled constructed of thin Yes. Cover is included if reasonable care Tobogganing boards curled upward at the front end. is taken. Yes. Cover is included provided reasonable care is taken and you are not using ropes Trekking A journey on foot, especially in the mountains. or other mountaineering equipment (which would become mountaineering/ rock climbing and therefore not covered). Yes. Cover is included if reasonable care Tuk-tuk A three-wheeled motor vehicle used as a taxi in Asia. is taken. A buoyant board (resembling a surfboard) that is Yes. Cover is included if reasonable care Wake boarding used to ride over water while being pulled behind is taken. a motorboat. Yes. Cover is included if reasonable Skiing on water. Skiers are pulled along by a rope care is taken and not competing in a handle attached to a powerboat. Professional capacity. Yes. Cover is included if the portion of the A recreational activity utilising a raft to navigate a White Water Rafting river being navigated does not exceed river or other body of water. grade 4 rapids. The sport of sailing standing up on a sailboard that is Yes. Cover is included if reasonable equipped with a mast, sail, and wishbone boom Also care is taken and not competing in a called boardsailing, sailboarding Professional capacity. Yes. Cover is included if reasonable The sport of hand-to-hand struggle between unarmed Wrestling care is taken and not competing in a contestants who try to throw each other down. Professional capacity. Consists of a pulley suspended on a cable, usually made of stainless steel, mounted on an incline. It is designed to enable a user propelled by gravity Zip Lining Yes. to travel from the top to the bottom of the inclined cable by holding onto, or attaching to, the freely moving pulley. NZCM_C005_CM_Activities_Covered_May17