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Travel Insurance for High Risk activities for the over 65

Overview

Normal travel insurance will cover a range of activities, some potentially hazardous, some less so. It is important to realise that many, relatively innocuous activities may not be covered under a standard travel insurance policy and it would be unfortunate that medical expenses, liability, search and rescue costs would have to be paid for by the traveller.

Generally, if cover over and above the normal is required, the attitude of B Portwood & Co Ltd is to offer a specific high-risk adventure product provided by PJ Hayman. This is available for UK residents up to 69 who need cover for up to 6 months (3 months for the over 60). An annual policy is available for up to 60 days. Cover can be arranged whilst abroad and for one-off events e.g. if the activity is only happening on five successive days of a four week holiday then only that five day period need to be covered - not the whole period where the activity doesn't happen.

Standard benefits

The standard travel insurance policy covers the following benefits. This can be taken as a top-up - no other travel insurance need be purchased.

Benefit Sum Insured
Medical & Emergency Expenses
(Outside of home Country)
Dental Treatment
Burial Costs/ Return of Body
10,000,000

£200
£3,500
Hospital Inconvenience Benefit £20 per 24 hrs max £400
Search and Rescue £50,000 (£10,000 in home country)
Personal Accident Maximum £10,000 (can be increased)
Personal Liability £2,000,000
Activity equipment (basic)
Single article Limit
£1,000 (can be increased)
£400 (can be increased)
Delayed Activity equipment £200 (over 24 hours)
Hired Activity equipment £200
Legal expenses £25,000

Cover for personal effects/  money/ passport, cancellation and unexpected events can be added for a small additional cost (Section B) if cover is needed for more than one day. Additional personal accident benefits and cancellation costs can be covered if we are contacted.

See the Key Facts and Policy Wording

Activities that can be covered

The following is a list. Some activities can be covered on referral, some can't. Selecting one category covers all activities in the same or lower category. Click the activity for the premium list. We suggest using the search facility <ctrl +f> to find the specific activity. Many (but by no means all) travel insurance policies will cover some activities in categories 1 and 2.

Category 1 Category 2 Category 3 Category 4 Refer Decline
  • Adventure racing
  • Aerobics
  • Amateur Sports - non contact
  • Angling
  • Archery
  • Athletics
  • Badminton
  • Bamboo Rafting
  • Banana Boating
  • Bar Work
  • Baseball
  • Basketball
  • Beach Games
  • Biathlon
  • Blade Skating
  • Boardsailing
  • Body Boarding (Boogie Boarding)
  • Body Building
  • Bowling
  • Bowls
  • Boxing Training (no contact)
  • Breathing Observation Bubble (BOB) - 30m
  • Camel/ Elephant Riding
  • Canoeing (white water 1-2)
  • Catamaran sailing
  • Clay Pigeon Shooting
  • Climbing
  • Cricket
  • Croquet
  • Cross Country running
  • Curling
  • Cycle Racing (not professional)
  • Cycle Touring
  • Cycling (leisure)
  • Deep Sea fishing
  • Dinghy Sailing
  • Dragon Boat racing
  • Dry Slope Skiing
  • Fell running
  • Fell walking
  • Fencing
  • Fishing
  • Fives
  • Flying as passenger (light aircraft)
  • Football (amateur)
  • Football - beach
  • Fresh water/ Sea fishing
  • Fruit/ veg Picking (under 9m)
  • Gaelic Football
  • Glass Bottom Boats
  • Go Karting (organised/ specific track)
  • Golf
  • Gorilla Trekking
  • Gymnastics
  • Handball
  • High Diving to 10m (not cliff diving)
  • Hiking/ walking to 3000m
  • Hill Walking to 2000m
  • Hobbie catting
  • Hockey
  • Horse riding - no competitions, no polo, no hunting jumping
  • Hot air ballooning (passenger)
  • Ice Skating (non competitive)
  • Indoor Climbing (on climbing wall)
  • Indoor Skating
  • javelin Throwing
  • Jet Boating
  • Jet Skiing
  • Jogging
  • Kayaking (up to grade 3)
  • kite Boarding
  • lacrosse
  • Langlauf
  • Marathon in UK
  • Modern Pentathlon
  • Motorcycling up to 500cc
  • Mountain Biking NOT downhill racing or BMX
  • Netball
  • Non Manual work
  • Octopush
  • Orienteering
  • Paddle ball
  • paint Balling/ war games
  • parascending over water
  • Pilates
  • Polo - water
  • Pony Trekking
  • Pwerboating (non competitive)
  • Professional Entertaining ons hips (no liability)
  • racing on foot
  • Rackets
  • Rafting (1-5)
  • Rambling Trekking under 3000m
  • Racquet Ball
  • Restaurant work
  • Rifle Range
  • Ringoes
  • River Tubing
  • Rock Scrambling to 4000m
  • Roller Blading
  • Rounders
  • Rowing - Inland/ Coastal
  • Running, Sprint/ Long Distance
  • Safari/ safari Trekking booked in UK
  • Sail Boarding
  • Scuba Diving 30m
  • Sea Canoeing/kayaking
  • Sea Fishing
  • Sea Kayaking
  • Shooting
  • Skateboarding
  • Skiing - X country
  • Skiing - Nordic
  • Slack Lining <2m
  • Sleigh Riding
  • Small Bore shooting
  • Snorkeling
  • Soccer
  • Softball
  • Sphering
  • Spinning
  • Squash
  • Surface Water Sports
  • Surfing
  • Swimming
  • Swimming with Dolphins
  • Sydney Harbour Bridge
  • Table Tennis
  • Ten Pin Bowling
  • Tennis
  • Trampolining
  • trekking to 3000m
  • Triathlon UK
  • Tubing
  • Tug Of war
  • Underwater Hockey
  • Volleyball
  • Walking
  • War games/ paint balling
  • Water Polo
  • Water Skiing
  • Windsurfing
  • Weight Lifting/ Training
  • Whale Watching
  • White Water Rafting (1-3)
  • Windsurfing
  • Working - non manual
  • Abseiling
  • Activity Centre Holidays
  • Amateur Sports - Contact
  • American Football
  • Animal Sanctuary Work - Domestic
  • Bird Man (Worthing)
  • Black Water Rafting (Grades 1-3)
  • Blow Carting
  • Boxing
  • Cambo Challenge
  • Charity Rallies (no racing)
  • Climbing - 300m ropes &/or guides or bolted
  • Cross country ski-ing
  • Cyclocross
  • Devil Karting
  • Dirt Boarding
  • Farm Work (no powered macheinery)
  • Flying as pilot light aircraft
  • Gliding (passenger)
  • Goalball
  • harness Racing
  • Heptathlon
  • Hurling
  • Hydro Zorbing
  • Ice fishing
  • Ice Go karting
  • Ice skating (competitions)
  • Ice Windsurfing
  • iron man Competition
  • Judo
  • Kabbaddi
  • Karate
  • Kendo
  • Kick Boxing
  • Kite Buggying
  • Kite Landboarding
  • Kite Surfing
  • land Skiing
  • manual Work (ground no machinery)
  • marathon (outside UK)
  • martial arts (training)
  • Mono Skiing
  • Nordic / Telemark Skiing
  • Outdoor Endurance events
  • Paracarting
  • parapenting/ Parapointing
  • Parascending over land
  • Polo - non competitive
  • Powerlifting
  • Rap Running
  • River Boarding
  • River Bugging
  • Rock climbing to 2000m (with ropes or guides or bolted)
  • Roller Hockey
  • Rugby
  • Sailing Yachting vessel under 45 ft NOT Ocean crossing
  • Sand Boarding
  • Sand Dune Surfing/ Ski-ing
  • Sand yachting
  • Sea Kayaking with killer whales
  • Shinty
  • Ski Blading
  • Ski Boarding
  • Ski Dooing
  • Ski Run walking
  • Skiing -Mono
  • Skiing - Off Piste
  • Skiing - Snowcat
  • Skiing (recreational)
  • Sledging/ Tobogganing
  • Snow Biking
  • Snow Blading
  • Snow Boarding
  • Snow Bobbing
  • Snow carting
  • Snow Decking
  • Snow Go KArting
  • Snow Kiting
  • Snow Mobile/ Skiddos/ Hobbie Catting
  • Snow Scooting
  • Snow shoe walking
  • Snowcat Driving
  • Speed Sailing
  • Speed Skating
  • Street Hockey
  • Telemarking
  • Tobogganning/ Sledging
  • Tree top canopy walking
  • Trekking Alpine <4000m
  • Trekking 3000 - 5000m Tour operator
  • Triathlon outside UK
  • Wake Boarding
  • Water Ski Jumping
  • Wicker Basket Tobogganing
  • Wind Tunnel Flying
  • Winter Walking (not Glacier)
  • Winter Sports
  • Wrestling
  • Zorbing
  • Animal Sanctuary Work - Wild
  • Big Foot Skiing
  • Bobbing
  • Canoeing (white water 3-5)
  • cat Ski-ing
  • Drag racing
  • Enduro Motorcycling (must be experienced Europe Only No motorcross or scrambling)
  • Flying (Learning)
  • Glacier Skiing
  • Gliding (learning)
  • Horse training
  • Hot air ballooning (pilot)
  • Husky Dog Sledding
  • Hydro Speeding
  • Ice cricket
  • Kick Sledging
  • Manual Work to 9m/ machinery
  • Martial Arts, competitive
  • Mixed gas diving to 50m. Professionally organised, not diving alone
  • Motor Track days
  • Motorcycling 500-750cc with UK licence
  • Mountain Biking/ Downhill racing (not BMX)
  • Mountain Boarding
  • Off Road Motorcycling (if experienced, Europe Only No motorcross/ scrambling
  • Overland Trips (tour operator)
  • Passenger Sledge
  • Professional Snooker Player (no liability)
  • Quad biking (no racing)
  • Rowing outside coastal waters (not trans-oceanic)
  • safari - Tour operator
  • Sailing/ yachting - crewing vessel 45 ft+ NOT Ocean Crossing
  • Scuba Diving to 50m
  • Ski racing (ski school)
  • Ski Yawying
  • Ski - Cat
  • Skiing - Glacier
  • Snow parascending
  • Snow Tubing
  • Snow Zorbing
  • Speed Trials/ Time Trials
  • Summer Tobogganing
  • Trekking 500m independent
  • White Water Rafting (4-5)
  • Zip Trekking
  • Airboarding
  • Black Water Rafting (Grades 4-5)
  • BMX stunt/ obstacle/ riding (competitive)
  • Bobsleigh
  • Bouldering (under 5m)
  • Canyoning
  • Cave Diving (qualified or with qualified instructor)
  • Cave Tubing
  • Caving/ Potholing
  • Climbing (cliff/ ice) to 2000m
  • Coasteering
  • Endurance marathons
  • Free Diving
  • Ghyll Walking
  • Glacier Walking (roped or needing guides)
  • Gliding (competition)
  • hang Gliding (Europe)
  • Heliskiing
  • Horse Jumping
  • Horse Riding (competitions)
  • Hydro Jetting
  • Ice Diving
  • Ice Hockey
  • Ice Marathon
  • Jousting
  • Kloofing (10m)
  • Luge/ Bobseligh
  • Microlighting (Europe only)
  • Mixed gas diving 50+ metres Professionally organised, not diving alone
  • Motor racing/ rallies/ competitions (not major events)
  • Mountaineering (Europe/ Kilimanjaro)
  • Overland Trips (over 2 days - independent)
  • Overland motorcycle tour 1200cc
  • Parachuting Europe
  • Paragliding (Europe)
  • Paramotoring
  • parasailing
  • Polo - competitive not professional
  • Polocrosse
  • Potholing
  • Powerboating (competitive)
  • Rock climbing to 4000m (with ropes/ guides/ bolted)
  • Rodeo
  • Roller Derby
  • Safari - Independent
  • Sailing/ Yachting - Ocean crossings/ one leg of Round The World
  • Scrambling to 4000m
  • Scuba Diving 50+m
  • Shark Diving
  • Skeleton
  • Ski Acrobatics
  • Ski Biking
  • Ski Flying
  • Ski Instructor
  • Ski Jumping
  • Ski Mountaineering
  • Ski Racing (not ski school)
  • Ski Randonnee
  • Ski Stunting
  • Ski Touring
  • Skiing - Heli
  • Skiing - Para
  • Sky Diving - Europe
  • Sky Surfing
  • Super Karting (organised)
  • Tandem Skydiving (Europe)
  • Trekking 4000 to 6500m
  • Trekking Everest Base Camp
  • Tuareg Rally
  • Via Ferratta
  • Zero Gravity Flying (professional)
  • Alligator Wrestling
  • Bull Running
  • Endurance Tests
  • Expeditions
  • Expeditions to Greenland - must take out separate Search & Rescue
  • Flying - stunt pilot
  • Football Professional
  • Hang Gliding (Outside Europe)
  • ice climbing
  • Ice Speedway
  • manual work over 9m or hazardous areas
  • Microlighting (outside Europe)
  • Motorcross (europe)
  • Motor rallies/ racing/ competitions (major events)
  • Motorcycling racing (not major events)
  • Motorcycling 750cc+ Europe
  • Motorcycling 750+cc outside Europe with 2 years experience
  • Mountaineering Worldwide
  • Mounted Games
  • North Pole Expedition (guided)
  • paragliding outside Europe
  • Professional Sports - no liability cover
  • Rowing - Atlantic races etc
  • Sailing yachting Round The World
  • Skiing Freestyle
  • Slack Lining (above 2m)
  • Street Luge
  • Trekking 6000 to 9000m
  • Zapcat racing
  • Base Jumping
  • Big Game Hunting
  • Cage Fighting
  • Canoeing white/black water 6+
  • Cliff Diving
  • Extreme Sports
  • Free Mountaineering
  • Free Running (parkour)
  • Hunting
  • Kayaking (black/white) 6+
  • Mixed martial Arts - Competitive
  • Motorcross (outside europe)
  • Motorcycling racing (major events)
  • Parachuting outside Europe
  • rafting grade 6+
  • Skiing Extreme
  • Sky Diving - outside Europe
  • Solo Climbing
  • Tandem Skydiving (outside Europe)

Rates

Rates include insurance premium tax but no extra benefits. We recommend you contact us to confirm premiums etc. In any case the application must be made by calling our office during normal working hours (01207 509446)

Category 1

Period UK Europe Worldwide X  USA/ Canada/ Caribbean
1-off £6.60 £14.70 £21.40 £37.20
5 days £8.80 £22.50 £38.30 £67.60
9 days £9.90 £28.10 £38.30 £67.60
17 days £14.30 £35.00 £48.40 £80.00
24 days   £37.20 £56.40 £94.60
31 days   £43.90 £68.70 £105.90
Extra week   £7.80 £15.80 £29.30
Part B Single £6.10 £12.30 £24.50 £29.60

Annual £65.10 £99.20 £147.60 £209.60
Part B Annual £15.30 £35.70 £70.50 £87.80

Double rates Apply for people aged 60 -69 (other than part B). Accompanied Children under 18 half price.

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Category 2

Period UK Europe Worldwide X  USA/ Canada/ Caribbean
1-off £8.60 £19.10 £27.80 £48.40
5 days £11.40 £29.30 £49.80 £87.90
9 days £12.90 £36.50 £49.80 £87.90
17 days £18.60 £45.50 £62.90 £104.00
24 days   £48.40 £73.30 £123.00
31 days   £57.10 £89.30 £137.70
Extra week   £10.10 £20.50 £38.10
Part B Single £6.10 £12.30 £24.50 £29.60

Annual £84.60 £129.00 £191.90 £272.50
Part B Annual £15.30 £35.70 £70.50 £87.80

Double rates Apply for people aged 60 -69 (other than part B). Accompanied Children under 18 half price.

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Category 3

Period UK Europe Worldwide X  USA/ Canada/ Caribbean
1-off £10.60 £29.40 £34.20 £59.50
5 days £14.10 £45.00 £61.30 £108.20
9 days £15.80 £56.20 £61.30 £108.20
17 days £22.90 £70.00 £77.40 £128.00
24 days £74.40 £90.20 £151.40
31 days £87.80 £109.90 £169.40
Extra week £15.60 £25.30 £46.90
Part B Single £6.10 £12.30 £24.50 £29.60

Annual £104.20 £198.40 £236.20 £335.40
Part B Annual £15.30 £35.70 £70.50 £87.80

Double rates Apply for people aged 60 -69 (other than part B). Accompanied Children under 18 half price.

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Category 4

Period UK Europe Worldwide X  USA/ Canada/ Caribbean
1-off £13.20 £29.40 £42.80 £74.40
5 days £17.60 £45.00 £76.60 £135.20
9 days £19.80 £56.20 £76.60 £135.20
17 days £28.60 £70.00 £96.80 £160.00
24 days   £74.40 £112.80 £189.20
31 days   £87.80 £137.40 £211.80
Extra week   £15.60 £31.60 £58.60
Part B Single £6.10 £12.30 £24.50 £29.60

Annual £130.20 £198.40 £295.20 £419.20
Part B Annual £15.30 £35.70 £70.50 £87.80

Double rates Apply for people aged 60 -69 (other than part B). Accompanied Children under 18 half price.

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Specialised travel insurance needs.

Over 65?

Even if you are over 65 we can meet your travel insurance needs for to 365 days away or 93 days a trip for annual travel insurance. So if you are over 65 more information about our travel insurance for the over 65 policies, terms and conditions, including cover for medical conditions or obtain a quote for over 65 travel insurance.

Over 70?

When over 70 travel insurance is still available for up to 365 days for a single trip, winter sports, or annual travel insurance for 93 days a trip. Further information about over 70 travel insurance is available with instant quotes and buy online.

Over 75?

Still no problem - the over 75 can still obtain long stay travel insurance for a year and winter sports covers. It doesn't matter if going to the USA, Worldwide or just Europe and medical conditions can be covered. You can obtain an over 75 travel insurance quote through our online quotation system and buy online.

Over 80?

Our unique Redwood travel insurance is suitable for travelers over 80 with online screening for medical conditions, with single trips for 366 days available. More information on over 80 travel insurance is available though our dedicated page.

Winter Sports

Winter sports cover for travel insurance is available up to 85. Information about winter sports travel insurance is available including various activities, with cheap premiums, especially for the USA and Canada.

Backpackers

Cheap backpacker travel insurance is available. Cover is more limited but backpacker travel insurance can be exceedingly cheap especially with a large excess.

About Us

We are brokers in North East England and have Two offices - at Bishop Auckland and at Consett - where enquiries about this product will be sent and who specialise if all forms of travel insurance. Our aim is to offer the best advise on any matter, help the customers should they need it, always put them first and treat them fairly.

If you need more information on insurance g please call the Consett office (01207 509446). It is open 9.00am to 5.00pm Monday to Friday and Saturday morning. (We open at 10.00am on Tuesday for training). To take out this special activities policy call us during normal office hours.

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