This policy is for those who are not participating in any sports but require short term travel, cancellation, medical and baggage cover only

What's Covered

For individuals or family BMC members who are NOT participating in any sports but require basic short-term travel insurance. Single-trip cover only. Not available if travelling to Worldwide (excluding Cuba) or to those aged 70 or above

Sports and Leisure Activities Also Covered

Aerobics
Angling
Archery
Badminton
Ballooning: hot air (passenger only)
Banana boating
Bar work
Baseball
Basketball
Beach games
Billiards
Bird watching
Bodyboarding
Bowling
Bowls
Bridge
Camel trekking
Chess
Cricket
Croquet
Cycling (except cycle touring, cycle racing, BMX and/or mountain biking)
Dancing
Darts
Dinghy sailing (on-competitive and on inland or coastal waters only)
Elephant riding/trekking (UK booked)
Football: beach kick-around
Freshwater/sea fishing
Frisbee
Fruit or vegetable picking
Glass-bottom boats
Golf
Historical research
Indoor skating
Jogging
Keep fit
Motorcycling on public roads (tarmac/concrete) with appropriate UK licence and no racing (inc. as a passenger) up to 125cc
Netball
Pilates
Pony trekking
Pool
Quoits
Racquetball
Re-enactment
Restaurant work
Ringos
Rounders
Sail boarding
Snooker
Snorkelling
Softball
Squash (amateur)
Surfing (amateur)
Swimming (amateur)
Table tennis
Ten-pin bowling
Tug-of-war
Volleyball
Wakeboarding (amateur)
Water Skiing (amateur)
Whale watching
Windsurfing
Working (non-manual work e.g. office or attending a conference)
Yoga

What's Not Covered

Sporting, adventure or activity holidays

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This policy is for hill walking, trekking and backpacking up to 5,000m

What's Covered

Mountain walking in Britain – including the use of crampons and ice axes
Recognised trekking routes with simple glacier crossings and simple ungraded scrambles
Via ferrata
Mountain-walking trips including adventurous treks in the Alps, Pyrenees, and lower routes in the Andes and Himalaya up to 5,000m
Non-technical ascents of easy trekking routes on peaks that do not require the use of technical climbing equipment.

Sports and Leisure Activities Also Covered

Backpacking
Camping
Canoeing and kayaking (inland waters up to and including Grade 3)
Curling
Cycle touring
Dragonboat racing
Fell walking
Fencing
Glacier walking
Gorilla trekking
Hill walking
Horse Riding (excluding racing & jumps)
Horse Trekking
Mountain walking
Paintballing (professionally organised)
Rambling
Rowing
Safari (professionally organised)
Sea kayaking (coastal waters up to 12 miles offshore)
Snorkelling
Snowshoeing
Surfing (competitive)
Swim Trekking
Swimming (competitive)
Sydney Harbour Bridge
Trekking
Via Ferrata
Wake Boarding (competitive)
Water polo
Water Skiing (competitive)
Winter Mountain Walking

What's Not Covered

Ascents of graded climbs or technical ascents.
Graded Scrambles (For this you’ll need our Rock policy)
Trekking above 5,000m (for this you'll need our Alpine & Ski policy)
Trekking in remote, inaccessible or polar regions. (for this you should contact the BMC office)
Everest Base Camp and most trekking peaks in Nepal.
Kilimanjaro, Mount Kenya, Chimborazo, Aconcagua

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This policy is for rock climbing and bouldering and graded scrambling up to 5,000m
All ‘Travel’ and ‘Trek’ activities are covered

What's Covered

Trad climbing: single or multi pitch with leader-placed protection (including big walling and lead climbing)
Bouldering
Speed climbing
Sport climbing
Abseiling
Soloing
Deep-water soloing
Indoor climbing walls

Sports and Leisure Activities Also Covered

Abseiling
Big-wall climbing
Bouldering
Deep-water soloing
Competition Climbing (on a purpose built climbing wall)
Cross-country running
Fell running
Indoor wall climbing
Lead climbing
Low ropes
Marathon running
Mountain running (e.g. Ultra-Trail du Mont-Blanc or Marathon des Sables)
Obstacle Races (e.g. Tough Mudder etc.)
Orienteering
Rap running/jumping
River walking
Rock scrambling (graded)
Sailing/Yachting (non-competitive on inland and coastal waters only)
Solo climbing
Speed climbing
Sport climbing
Traditional climbing (single or multi-pitch with leader-placed protection)
Windsurfing (inland & coastal waters)

What's Not Covered

Rock climbs with crevassed approaches or descents
Any snow or ice climbing
Climbing and abseiling above 5,000m (for this, you’ll need our Alpine & Ski policy)
Mountain running above 5,000m (for this you'll need our Alpine & Ski policy)

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This policy is for trekking above 5,000m, and most types of skiing, climbing and mountaineering on most peaks of up to 6,500m
All ‘Travel’, ‘Trek’, and ‘Rock’ activities are covered

What's Covered

Recreational skiing activities including: on-piste, off-piste (with or without a guide), cross-country/Nordic/Langlauf, dry slope/indoor slope, backcountry/ski touring, downhill, telemark, big-foot Skiing, mono-skiing, heli/cat skiing, glacier skiing and ski mountaineering
Scottish winter climbing, ice climbing and alpine climbing
All climbing in Europe and most peaks worldwide up to 6,500m
Trekking above 5,000m, other than in remote or inaccessible areas
Most trekking peaks in Nepal, standard trekking routes on Aconcagua, via Horcones-, Vacas- and Guanacos- Valleys
Snowboarding is included in Europe and can be covered Worldwide on payment of an additional premium

Sports and Leisure Activities Also Covered

Adventure racing (up to 48 hours)
Black Water Rafting (professionally organised)
Canoeing & kayaking (inland waters up to and including Grade 5)
Canyoning
Caving (non-exploratory, excluding cave diving and use of explosives) Europe only
Coasteering
Cycle racing
Gorge walking
High-ropes courses
Husky dog sledding
Hydrospeeding
Ice skating
Kite Surfing
Mountain Biking - including downhill (non-competitive only)
Mountain boarding
Paragliding- Europe
Rollerblading (inline skating)
Roller skating
Sandboarding
Sand-dune surfing/skiing
Skiboarding
Scuba diving to 30m (if qualified or with qualified instructor; not solo)
Skateboarding
Ski Touring
Slacklining
Sledging/tobogganing
Sleigh riding (reindeer, horses or dogs)
Snow biking
Snow holing
Snow scooting
Snow tubing
Snowboarding (Europe only)
Terrain Parks (excluding Freestyle)
Tree-top canopy walking
Triathlon
Ultra-marathon
White-water rafting (up to and including Grade 5)
Zip trekking
Zorbing

What's Not Covered

Climbing in remote or inaccessible regions
Exploratory expeditions and new routes on unclimbed peaks
High-altitude technical climbing over 6,500m, especially in the Greater Ranges (e.g. Himalaya, Tien Shan, Karakoram, Andes)
Competitive winter sports
Extreme skiing (unless agreed in writing), ski-jumping, paraskiing and kite-skiing
Freestyle (eg: aerials, big air, halfpipe, ski-cross and slopestyle)

Show full list of what is and what isn't covered

This policy is for all mountaineering and climbing activities, including climbs and expeditions to very inaccessible regions and difficult or extreme high-altitude peaks anywhere in the world

What's Covered

Mountaineering and Climbing expeditions on peaks that exceed 6,500 metres, or lower peaks in remote and inaccessible regions; difficult or extreme high-altitude peaks anywhere in the world. This includes the high mountains of Asia and South America and the mountains of the Arctic and Antarctic. Additional activities as notified and agreed (e.g. yachting/crewing outside territorial waters, snowmobile use or using a rigid inflatable boat for logistical purposes).

Also Covered

Covers all activities under other policies plus any other activity declared to and agreed by us

Show full list of what is and what isn't covered

Step 1: Choose a Policy

Choose one of our 5 policies

This policy is for those who are not participating in any sports but require short term travel, cancellation, medical and baggage cover only

What's Covered

Sports and Leisure Activities Also Covered

What's Not Covered

This policy is for hill walking, trekking and backpacking up to 5,000m

What's Covered

Examples

Sports and Leisure Activities Also Covered

What's Not Covered

This policy is for rock climbing and bouldering and graded scrambling up to 5,000m
All ‘Travel’ and ‘Trek’ activities are covered

What's Covered

Examples

Sports and Leisure Activities Also Covered

What's Not Covered

This policy is for trekking above 5,000m, and most types of skiing, climbing and mountaineering on most peaks of up to 6,500m
All ‘Travel’, ‘Trek’, and ‘Rock’ activities are covered

What's Covered

Examples

Sports and Leisure Activities Also Covered

What's Not Covered

This policy is for all mountaineering and climbing activities, including climbs and expeditions to very inaccessible regions and difficult or extreme high-altitude peaks anywhere in the world

What's Covered

Examples

Also Covered

Step 1: Choose a Policy

Choose one of our 5 policies

This policy is for those who are not participating in any sports but require short term travel, cancellation, medical and baggage cover only

What's Covered

Sports and Leisure Activities Also Covered

What's Not Covered

This policy is for hill walking, trekking and backpacking up to 5,000m

What's Covered

Examples

Sports and Leisure Activities Also Covered

What's Not Covered

This policy is for rock climbing and bouldering and graded scrambling up to 5,000mAll ‘Travel’ and ‘Trek’ activities are covered

What's Covered

Examples

Sports and Leisure Activities Also Covered

What's Not Covered

This policy is for trekking above 5,000m, and most types of skiing, climbing and mountaineering on most peaks of up to 6,500mAll ‘Travel’, ‘Trek’, and ‘Rock’ activities are covered

What's Covered

Examples

Sports and Leisure Activities Also Covered

What's Not Covered

This policy is for all mountaineering and climbing activities, including climbs and expeditions to very inaccessible regions and difficult or extreme high-altitude peaks anywhere in the world

What's Covered

Examples

Also Covered

This policy is for rock climbing and bouldering and graded scrambling up to 5,000m
All ‘Travel’ and ‘Trek’ activities are covered

This policy is for trekking above 5,000m, and most types of skiing, climbing and mountaineering on most peaks of up to 6,500m
All ‘Travel’, ‘Trek’, and ‘Rock’ activities are covered