Abseiling
Animal conservation and handling
Under appropriate supervision
Aqua zorbing
Automatically covered
Archery
Automatically covered
Ballooning
With a regulated and licensed operator
Automatically covered
Battle Re-enactment
Not with firearms
Bicycling, recreational mountain biking and bicycle tours with a licensed tour operator
But not racing, motor cross, BMX, cross country or downhill mountain biking
Automatically covered
Boxing
Basic training only, no sparring, no competition
Bungee jumping or canyon swinging
Automatically covered
Camel, donkey or elephant riding
Under appropriate supervision
Automatically covered
Cave/river tubing
Caving/potholing
Contact sports
Basketball, rugby, Australian Rules football, American football, dodgeball, field hockey, water polo, hurling, Gaelic football, lacrosse, roller derby, and squash.
Cruise: on cruise ship in Australia, New Zealand or South Pacific regions for 1 or more nights
Cruise: on cruise ship within Asia, Europe or Worldwide regions for 4 nights or more
Cruise: on the river; with no overnight stay; for 3 nights or less within Asia, Europe or Worldwide regions
Automatically covered
Dancing
Automatically covered
Deep sea fishing
With a licensed commercial operator up to 15 nautical miles off any land mass (for 1 or more overnight stays in Australia or 4 or more nights overseas on a cruise ship, you must specify cruise cover).
If not taking a cruise
&
If also on cruise ship
Diving underwater using an artificial breathing apparatus at a depth no greater than 10 metres
You must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities; (for 1 or more overnight stays in Australia or 4 or more nights overseas on a cruise ship, you must specify cruise cover).
Automatically covered if not taking a cruise
If also on cruise ship
Diving underwater using an artificial breathing apparatus at a depth no greater than 30 metres
You must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities; (for 1 or more overnight stays in Australia or 4 or more nights overseas on a cruise ship, you must specify cruise cover).
If not taking a cruise
&
If also on cruise ship
Dog sledding
Automatically covered
Expeditions to or on the Kokoda Track/Trail
Fishing
On land or within 2 nautical miles of a land mass.
Automatically covered
Flying fox/zip lining
Golf
Automatically covered
Go-karting
Automatically covered
Gym activities
But not powerlifting.
Automatically covered
Gymnastics
But not competitions.
Automatically covered
Hiking, trekking or tramping peaking at altitudes below 3,000 metres, where specialist climbing equipment is NOT required. Expeditions to or on the Kokoda Track/Trail are not covered. Choose the Adventure Pack option for higher altitudes and Kokoda expeditions. Automatically covered
Hiking, trekking or tramping peaking at altitudes between 3,000 metres up to 6,000 metres (not higher) but only where specialist climbing equipment is NOT required.
Hire/rental car
Rental vehicle insurance excess cover only
Horse riding
But not competitions, equestrian events, steeple chasing, jumping, or polo.
Automatically covered
Ice skating on a rink
But not including competitive skating, racing, speed skating, and tour skating.
Automatically covered
Indoor rock climbing
Under appropriate supervision.
Automatically covered
Jet boating
Must be with a licensed operator, no competition or racing, no stunts or jumping off ramps.
Automatically covered
Leisure activities
Meaning any activities involving minimal physical exertion that is undertaken for relaxation or pleasure. For example, sight-seeing, picnics, photography and museum or art gallery visits.
Automatically covered
Martial arts
Basic training only, no sparring, no competition.
Moped or scooter riding
You must wear a helmet; you must hold a current Australian Driver's Licence (Provisional or higher) and a licence valid for the country you are riding in and the engine displacement must be no greater than 50cc.
Motorcycle riding - rider
- You must wear a helmet.
- If you are the rider of a motorcycle, moped or scooter with an engine capacity of 50cc or less you must hold a current Australian Driver's Licence (Provisional or higher) and a licence valid for the country that you are riding in.
- If you are the rider of a motorcycle, moped or scooter with an engine capacity greater than 50cc you must hold a current Australian Motorcycle Licence (Provisional or higher) valid for the same class of motorcycle, regardless of the local laws and a licence valid for the country that you are riding in.
- If you hold a Provisional Australian Driver's or Motorcycle Licence you must comply with the restrictions of this type of license, regardless of the local laws.
Motorcycle riding - passenger
- You must wear a helmet.
- If you are the passenger on a motorcycle, moped or scooter the person in control must hold a current licence (Provisional or higher) valid for the same class of motorcycle, moped or scooter that is valid for the country that you are riding in.
Orienteering
Automatically covered
Outdoor rock climbing
Only with a licensed commercial operator and ropes and appropriate safety gear but not free solo climbing.
Paintball
With eye protection.
Automatically covered
Quad biking & recreational all-terrain vehicles
Only single rider and no jumping, racing or competition.
Racing on foot for distances up to and including full marathon (42.2 kilometres or 26.2 miles)
Automatically covered
Racquet and ball sports not involving physical contact: badminton, baseball, bowling, bowls, cricket, croquet, golf, netball, oz tag, snooker, soccer, softball, table tennis, tennis, touch football, volleyball.
Automatically covered
Rafting, or kayaking or canoeing in rivers or rapids graded I, II or III under the International Scale of River Difficulty, or lakes or canals.
Choose the Adventure Pack option for rivers or rapids graded IV or V under the International Scale of River Difficulty.
Automatically covered
Rafting or kayaking in rivers or rapids graded IV or V under the International Scale of River Difficulty
But no competition or racing.
Safari
Under appropriate supervision, but not hunting.
Automatically covered
Sailing up to 10 nautical miles off any land mass
Automatically covered
Sailing from 10 nautical miles up to 15 nautical miles off any land mass
But not competition or racing.
Sandboarding
Segway tours
Shark cage diving
Subject to diving restrictions listed above.
Automatically covered
Shooting fixed targets
Only at a licensed commercially operated shooting range.
Automatically covered
Shooting moving targets
Such as clay pigeons, only at a licensed commercially operated shooting range (not including any live targets, game hunting or safaris).
Skateboarding, roller skating, inline skating
But not including vert skating or acrobatics.
Automatically covered
Snorkelling
Automatically covered
Snow sports
- Recreational skiing and snowboarding
- Big foot skiing and snowboarding
- Cross-country skiing and snowboarding (along a designated cross-country ski route only)
- Ice hockey (not competitive)
- Ice skating
- Lugeing (on ice provided by a commercial operator and available to the general public only)
- Mono skiing
- Snowmobiling
- Snowshoeing
- Terrain park skiing and snowboarding (areas available to the general public only)
- Tobogganing
But not including racing, acrobatics, jumping, aerial, stunting or freestyle.
Snow sports which must be done with a professional snow sports instructor:
- Off-piste skiing or snowboarding
- Backcountry skiing and snowboarding
- Cat skiing and snowboarding
- Glacier skiing and snowboarding
- Heli-skiing and snowboarding (provided by a commercial operator and available to the general public only)
But not including racing, acrobatics, jumping, aerial, stunting or freestyle.
Surface water activities
Other than sailing - Up to 2 nautical miles off any land mass.
Automatically covered
Tandem parachuting, tandem sky diving, tandem hang gliding, tandem gliding and tandem paragliding
You must be in tandem with an instructor licensed for these activities.
Track and field athletics
Automatically covered
Ultimate frisbee
Automatically covered
Water polo
Automatically covered
Water skiing, wakeboarding & tubing
Must be with a licensed operator, no competition or racing, no stunts or jumping off ramps.
Weight lifting and body building
Automatically covered
