Types of cover

A-Z of activities covered

* No Personal Liability Cover

^ No Personal Accident Cover

+ Inland waters or within 12 nautical miles of the coastline

**Electric Bikes - For full medical cover, the following applies:

    • You must be wearing a helmet and the vehicle must comply with the Electrically Assisted Pedal Cycle (EAPC) regulations.
    • Cycle must be fitted with pedals that are capable of propelling it
    • Continuous rated power of the electric motor must not exceed 250 Watts.
    • Electrical assistance must cut-off when the cycle reaches 15.5mph
    • Must not have “off-road” functionality

A

  • Abseiling (within organiser’s guidelines)
  • Aerial Safaris (in chartered aircraft and an organised excursion)
  • Aerobics
  • Angling
  • Archaeological Digging
  • Archery * ^
  • Assault Course
  • Athletics * ^

B

  • Badminton
  • Bamboo rafting +
  • Banana Boating +
  • Bar and Restaurant Work
  • Baseball * ^
  • Basketball
  • Beach games
  • Billiards
  • Blading (no stunts)
  • Board Sailing * ^ +
  • Body Boarding +
  • Boogie Boarding +
  • Bowling/Bowls
  • Bungee Jumping * ^

C

  • Cable Car Ride
  • Camel Riding/Trekking * ^
  • Canoeing/Rafting/White Water Rafting/Kayaking up to grade 3 +
  • Canoeing/Rafting/White Water Rafting/Kayaking grades 4 and 5 * ^ +
  • Catamaran/Yachting/Sailing * ^ +
  • Clay pigeon shooting/small Bore target shooting/rifle range * ^
  • Climbing (on climbing wall only
  • Cricket
  • Croquet
  • Cross Country Running
  • Curling
  • Cycling including Electric Bikes**; (Excluding Mountain Biking, BMX and Touring) * ^

D

  • Dancing (including lesson participation)
  • Darts
  • Deep Sea Fishing +
  • Dinghy Sailing * ^ +
  • Dry Slope Skiing/Boarding
  • Dragon Boat Racing * ^ +

E

  • Elephant Riding/Trekking * ^

F

  • Falconry
  • Fell Running (up to 4,000 metres)
  • Fell Walking (up to 4,000 metres)
  • Fencing * ^
  • Fishing +
  • Fives
  • Flag American Football
  • Flying as a passenger in an aircraft (private plane/Helicopter/Glider)
  • Football
  • Fruit or vegetable picking (under 3 metres)
  • Frisbee/Ultimate Frisbee

G

  • Glass bottom boats/bubbles
  • Gliding as a passenger and with a qualified pilot
  • Go Karting (up to 120cc, wearing a helmet) * ^
  • Goalball
  • Golf
  • Gorilla Trekking (organised tours only)
  • Gym – Fitness
  • Gymnastics

H

  • Handball
  • Helicopter Rides (passenger only)
  • Hiking up to 4,000 metres
  • Hobie Cat Sailing * ^ +
  • Hockey (field)
  • Horse Riding (wearing a helmet and excluding racing, jumping, hunting and less than 7 days) * ^
  • Hot Air Ballooning (passenger only)
  • Hot Dogging up to grade 3
  • Hot Springs
  • Hydro Zorbing

I

  • Ice Skating (rink only)
  • In-line Skating (no stunts)
  • Ice Surfing * ^
  • Ice Cricket * ^

J

  • Jet Boating (passenger only) * ^ +
  • Jogging

K

  • Kayaking (incl. White Water) up to grade 3 +
  • Kayaking (incl. White Water) grades 4 and 5 * ^ +
  • Korfball

L

  • Llama Riding * ^
  • Land Skiing

M

  • Mopeds (maximum 125cc, and passed CBT training, wearing a helmet) * ^
  • Motorcycling (maximum 125cc, and passed CBT training, wearing a helmet) * ^
  • Mule Trekking * ^

N

  • Netball

O

  • Octopush
  • Orienteering (up to 4,000 metres above sea level)
  • Ostrich riding * ^

P

  • Paddleboarding
  • Parachuting tandem only * ^
  • Parascending/Parasailing (towed by a boat over water) +
  • Pedalos +
  • Pilates
  • Pony Trekking (wearing a helmet) * ^
  • Pool
  • Power Boating (passenger only) * ^ +

R

  • Racquet Ball/Rackets * ^
  • Rambling (up to 4,000 metres above sea level)
  • Reverse Bungee * ^
  • Rifle Range * ^
  • Ringos +
  • River Bugging * ^
  • River Sledging * ^
  • River Tubing * ^
  • Roller Skating/Blading/In-line (incidental, wearing pads, helmet and no stunts)
  • Rounders
  • Rowing +

S

  • Safari in a vehicle/Trekking/Tracking (organised tour, no firearms)
  • Sailing/Yachting European Waters only * ^ +
  • Sandboarding * ^
  • Sand Skiing * ^
  • Sand Surfing * ^
  • Sand Yachting * ^
  • Scuba Diving (up to a depth of 30 metres (if qualified or accompanied by qualified instructor and not diving alone) +
  • Sea Fishing +
  • Sea Kayaking (within European Waters, no racing) +
  • Shark Diving (professionally supervised in a cage) +
  • Skin Diving (up to a depth of 30 metres (if qualified or accompanied by a qualified instructor and not diving alone) +
  • Skateboarding (wearing pads and helmet, no stunts)
  • Skydiving (Tandem only) * ^
  • Sledding/Sledging or Sleigh Riding (passenger only if pulled by Horse, Dogs or Reindeer) +
  • Small Bore Target Shooting * ^
  • Snooker
  • Snorkelling +
  • Soccer
  • Softball
  • Speed Boating (passenger only) * ^
  • Sphering
  • Spinning Class
  • Squash * ^
  • Surfing +
  • Swimming +
  • Swimming with Dolphins +
  • Swimming/Bathing with Elephants * ^

T

  • Table Tennis
  • Tall Ship Crewing * ^ +
  • Team Building
  • Ten Pin Bowling
  • Tennis
  • Touch Football
  • Trampolining
  • Tree Top Trekking/Canopy Walking
  • Trekking (below 4,000 metres only)
  • Tubing
  • Tug of War

V

  • Volleyball

W

  • Wake Boarding +
  • Walking (below 4,000 metres only)
  • Water Hockey
  • Water Polo
  • Water Skiing (no jumping) +
  • Wicker Basket Tobogganing
  • Whale Watching +
  • Wheelchair Basketball
  • Windsurfing +
  • Wind Tunnel Flying (wearing pads and helmet)

Y

  • Yachting/Sailing (European waters only) * ^ +
  • Yoga

Z

  • Zip-lining/trekking
  • Zorbing/Hydro Zorbing

Sports and Activities not covered under any policy

  • Battle Re-enactment
  • Canoeing/Kayaking/Rafting/White Water rafting grade 6
  • Canyoning
  • Cave Diving
  • Cliff or Base Diving/Jumping
  • Flying (as a pilot)
  • Gliding/Hang Gliding/Paragliding
  • Hot Air Ballooning (as a Pilot)
  • Hunting, any use of firearm
  • Jet Skiing
  • Jousting
  • Kite Surfing
  • Lacrosse
  • Marathon Running
  • Martial Arts
  • Micro Lighting
  • Motor Sports/Racing of any kind Land/Sea
  • Mountain/BMX biking/Cycle Touring
  • Polo
  • Rock Climbing
  • Sailing/Boating/yachting of any kind outside of 12 nautical miles from the coastline or outside of European Waters
  • Sand Duning
  • Scuba Diving deeper than 30 metres
  • Segway/electronic scooter
  • Quad Biking/ATVs
  • Walking/Fell Walking/Running/Trekking/Hiking/Orienteering/Rambling above 4,000 metres
  • Walking/Fell Walking/Running/Trekking/Hiking/Orienteering/Rambling that requires specialised equipment/ropes/guides/crampons

Winter Sports Cover

For Personal Cover, or if you opt for Winter Sports Cover on the Motoring and Personal Cover, you will be covered for the following activities:

  • Air Boarding
  • Big Foot Skiing
  • Cross-country/Nordic Skiing/Randonnee (on recognised paths)
  • Ice Skating (when not on a rink)
  • Kick Sledging
  • Langlauf
  • Mono-skiing
  • Mogul skiing
  • Off-piste skiing/Snowboarding (within resort boundaries)
  • Ski Blading
  • Skidooing * ^
  • Skiing
  • Snow Blading
  • Snow Boarding
  • Snowmobiling * ^
  • Tobogganing

Information - Not a member?

Our insurance products are only available to members of the Caravan and Motorhome Club. If you're not a member yet, we can still supply you with a quote which you can take up once you join. 

Top questions

What is Red Pennant?

Red Pennant is the Club's overseas holiday insurance service and is designed to consider the needs of the caravanner, motorhomer and trailer tent owner in trouble abroad. As well as single or multi-trip travel insurance, cover can also include European breakdown assistance, vehicle and passenger repatriation, continuation of holiday travel.

I want to travel outside the EU, is my cover still valid?

Yes, our Caravan Cover is valid overseas for up to 182 days per year, our Car Insurance is valid in the EU and associated countries for up to 270 days, and our Motorhome/Campervan Insurance valid in the EU and associated countries for 365 days a year.

However, it is important to check your policy wording to make sure that the cover you take out on any of your vehicles is adequate for your purposes.  We would also recommend you also check what documentation you may need when driving abroad, including the International Certificate of Motor Insurance, also known as a 'Green Card'.

You can find full details here.

What happens if I'm involved in an accident abroad?

If you are involved in an accident or breakdown which requires you to leave your caravan/car/motorhome you should:

  • Remove any valuables and items that might attract Customs Duty, including wine and spirits

  • Take your baggage and personal effects with you

  • Make sure anything left in the vehicle will still be covered by your cover provider

  • Make sure your cover provider will continue to provide cover while your vehicle remains on the continent and for the journey back to your home address

Who is included in a single policy?

Everyone in the vehicle must be added, even if their time on the trip is different.

See more