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Adventure Activities Travel Insurance

Are your travel plans packed with thrills and spills? Without travel insurance the adrenalin rush you seek could leave you with a massive headache! Find out which activities are covered below.

 

BUY Sports & activities COVER

TINZ gives you the freedom to take that heart-pounding leap - worry free! 
Our optional Sports & Activities Cover provides you with cover for a range of more adventurous activities not covered under a standard policy. From hiking to scuba diving and many things in between, if you're feeling lionhearted, make sure you take cover.
Simpy add Sports & Activities Cover during the quote process.
 

  • ABSEILING

    (FULLY HARNESSED)
  • AMATEUR ATHLETICS

  • AMERICAN FOOTBALL

  • ASSAULT COURSE

    (NO WEAPONS)
  • BATTLE RE-ENACTMENT

    (NO LIVE FIREARMS)
  • BREATHING OBSERVATION BUBBLE DIVING

    (MAX. DEPTH 30 METRES)
  • BRIDGE WALKING

    (SUPERVISED BY A FULLY-TRAINED GUIDE ONLY)
  • BUNGEE JUMPING

    (3 JUMPS MAXIMUM)
  • CAMEL OR ELEPHANT RIDING OR TREKKING

  • CANOEING

    (GRADE 1 & 4 RAPIDS)
  • CANOPY WALKING OR TREE-TOP WALKING

  • CANYONING

  • CAVE TUBING OR RIVER TUBING

    (GRADE 1 & 4 RAPIDS)
  • CLAY-PIGEON SHOOTING

  • COASTEERING

    (AMATEUR AND OCCASIONAL ONLY)
  • CONSERVATION OR CHARITY WORK

    (WORKING WITH HAND TOOLS ONLY)
  • CYCLE TOURING

    (NON COMPETITIVE)
  • DRAGON BOATING

  • DUNE OR WADI BASHING

  • FALCONRY

  • FISHING TRIPS - OVERNIGHT

    (LICENSED COMMERCIAL OPERATOR ONLY)
  • FLYING

    (PASSENGER IN A LICENSED COMMERCIAL SMALL AIRCRAFT OR HELICOPTER)
  • FOOTBALL

    (AMATEUR AND OCCASIONAL ONLY)
  • KARTING

  • GORGE SWINGING OR CANYON SWINGING

  • GORGE WALKING

  • GYMNASTICS

  • HOCKEY

  • HORSE RIDING

    (NOT POLO, HUNTING OR JUMPING
  • HOT-AIR BALLOONING

  • HUSKY SLEDGE DRIVING

  • JET BOATING

  • JET SKIING

  • KAYAKING

    (GRADE 1 - 4 RAPIDS)
  • LUGEING

    (NOT ICE)
  • MARATHONS

    (AMATEUR AND OCCASIONAL ONLY)
  • MARTIAL ARTS

    (TRAINING ONLY)
  • MOUNTAIN BIKING

    (NOT RACING OR EXTREME GROUND CONDITIONS OR STUNTS)
  • MUD BUGGYING

  • Ostrich riding

    (not racing)
  • Paintballing

    (wearing eye protection)
  • Parasailing

  • Parascending

    (over water)
  • Passenger in private or small aircraft or helicopter

  • Rafting

    (White water or black water
    Grade 1 - 4 rapids)
  • Rock Climbing

    Indoor and harnessed
  • Rugby codes

    (amateur and occasional only)
  • Sand yachting

  • Scuba diving

    (maximum depth 30 metres)
  • Sea canoeing or kayaking
    (short or day trips only, with overnight land stays only)
  • Target rifle shooting

  • Trekking or hiking

    (over 3,000 metres but under 5,000 metres altitude)
  • Tubing

  • Yachting

    (not racing and sailing inside territorial waters)
  • Zip lining OR Flying Fox

  • Zorbing

  •  

 

more activities we cover

Our products are designed to offer some spontenaity when you travel.  
The following activities are covered automatically with no additional premium required.
 

 

 
  • ARCHAEOLOGICAL DIGGING

  • ARCHERY

    (AMATEUR & OCCASSIONAL ONLY)
  • BADMINTON

    (AMATEUR AND OCCASIONAL ONLY)
  • BASEBALL

    (AMATEUR & OCCASIONAL ONLY)
  • BASKETBALL

    (AMATEUR AND OCCASIONAL ONLY)
  • CRICKET

    (AMATEUR AND OCCASIONAL ONLY)
  • CYCLING

    (NON COMPETITIVE)
  • FENCING

  • GOLF

    (AMATEUR AND OCCASIONAL ONLY)
  • JOGGING

  • MOTORCYCLING
    NOTE GENERAL EXCLUSION 9

  • NETBALL

    (AMATEUR AND OCCASIONAL ONLY)
  • ORIENTEERING

    (AMATEUR AND OCCASSIONAL ONLY)
  • Rambling

  • Refereeing

    (on an amateur basis)
  • Roller blading

    (no racing, half-pipe, stunts or extreme skating)
  • Rowing

    (amateur and occasional only)
  • Running

    (sprint and long distance)
  • Safari TOURS

  • Sand boarding

  • Sleigh rides

     
  • Skateboarding

    (no racing, half-pipe, stunts or extreme skating)
  • Snorkeling

  • Squash

  • Surfing

    (not big wave or extreme surfing)
  • Swimming

  • Tennis

    (amateur and occasional only)
  • Trekking or hiking

    (under 3,000 metres altitude)
  • Volleyball

    (amateur and occasional only)
  • Wake boarding

    (no stunts)
  • Water polo

    (amateur and occasional only)
  • Waterskiing

    (no stunts)
  •  

 

 

Sports activities FAQ's

We know that for some, true holiday bliss comes in the form of adrenalin pumping adventure sports.
Prefer skydiving to sunbaking? That doesn’t mean you have to comprimise on cover.

 

  • Q. What activities are covered under TINZ?
  • At TINZ we cater to those with a taste for adventure. Take note that you may not be covered for certain sports and activities automatically if you don't opt for the 'sports & activities’ add-on.  Refer to the table above to see a full list of covered activities. 

  • q. Which activities are excluded?
  • We don’t cover bmx riding, bobsleighing, boxing, cacading, cliff walking/jumping, competition contact sports, competitive cycling, cross country skiing, expeditions to remote areas such as Antartica, extreme sports, freestyle skiing, gliding, gorge walking, hang-gliding, high diving, mountaineering with ropes, off piste skiing, parachuting, paragliding, parapenting, parascending, piloting an aircraft, polo, potholing, racing, rock climbing, rock scrambling, running with the bulls, scuba diving more than 30 metres, skeletons, shark diving, ski acrobatics, ski jumping. For more information please refer to PDS.

  • Q. Am I covered off-piste skiing?
  • As long as you're with a qualified guide or instructor within ski resort boundaries, then we will cover you for off-piste skiing. We cannot cover you for skiiing in unpatrolled remote areas or unmarked slopes alone.

  • Q. Are my medical fees covered if I sustain an injury while participating in an adventure sport?
  • Yes. If you were to have an unforeseen accident on holiday while participating in a listed activity, your medical expenses would be covered, so long as you were not intentionally putting yourself at risk.

  • Q. What does activities with Special Conditions 2 refer to?
  • Certain high risk activities fall under the Special Conditions 2 category, meaning there are no permanent disability, personal liability or death benefits within this category.

  • Q. Do you cover scuba diving?
  • Absolutely. We agree that scuba diving is a great way to explore the deep blue sea. You're only covered if you hold an open water diving license or you are diving under licensed instruction.  If you are a qualified scuba diver you are covered for accompanied dives with a maximum depth of 30 metres. If you are unqualified you are covered for a maximum depth of 30 metres with an instructor. 

  • Q. Will I be covered to ride a scooter, moped or motorcycle while overseas?
  • You’re covered on two or three wheels, so long as your bike has a maximum engine size of 50cc. You are also required to wear a helmet and hold a current New Zealand motorcycle (or driver’s license) or a valid license recognized for the country you are travelling in.

  • q. Which activities are excluded?
  • We don’t cover outdoor rock climbing, hang-gliding, boating in international waters or any kind of professional or competition sports. For a full list of excluded activities please refer to PDS.

  • q. do you cover professional sports persons?
  • No.  We consider professional and competitive sports too risky. If you are planning to compete in a sporting event (either as a professional sportsperson, or not as a paid sportsperson) you will need to seek cover from a specialist sports insurer.