Zoom into Adventure
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SPORTS ACTIVITIES TRAVEL INSURANCE
Are you planning an adventure holiday? Whether you like to hike, surf, or ski we can provide cover for your next trip.
ACTIVITY
CONDITION OF COVER
Abseiling
Fully harnessed
Animal conservation and handling
Under appropriate supervision
Battle re-enactment
But not with firearms
Cave/river tubing
Contact sports
Including any form of rugby, Australian Rules football or American football (amateur and occasional only)
Deep sea fishing
Licensed commercial operatory only.
Downhill mountain biking
Non-competitive downhill mountain biking and does not include competitive events
Expeditions to the Kokoda track
Flying
Passenger in a licensed commercial small aircraft or helicopter
Football
Ameteur and occasional only
Hiking, trekking or tramping
Peaking at altitudes up to 3,500 metres where specialist climbing equipment is not required
Hang gliding, tandem gliding and paragliding
But you must be in tandem with an instructor licensed for these activities
Martial arts
Training only, not competition
Outdoor rock climbing
With ropes and appropriate safety gear
Rafting in rivers or rapids or lakes or canals
Graded 4 and 5 under the International Scale of River Difficulty, but no competition racing
Sailing
From 11 to 15 nautical miles off any land mass, but not racing
Scuba Diving
To a depth no greater than 30 metres. You must hold an open water diving licence recognised in New Zealand or dive with an instructor licensed for these activities. You must not fly within 24 hours of your last dive.
Skydiving, parachuting
You must be in tandem with an instructor licensed
Shooting
Only moving targets such as clay pigeon
Ziplining
You must be under the age of 70 at the date your certificate of insurance is issued. This additional option does not provide cover for claims under Section 6: Permanent Disability or Section 15: Personal Liability that arise from you participating in the listed activities available under this option.
ACTIVITIES WE AUTOMATICALLY COVER
ACTIVITY
CONDITION OF COVER
Aqua zorbing or zorbing
In a leisure, nonprofessional capacity
Archery
Amateur and occasional only
Ballooning
Regulated or licensed hot air ballooning
Cycling
Bicycling, general mountain biking of the recreational type but not downhill mountain biking or bicycle motorcross (BMX)
Bungee jumping or canyon swinging
Under appropriate supervision
Camel riding
Under appropriate supervision
Dancing
Recreational, not professional or competition
Dog sledding or sleigh rides
Excluding racing
Elephant riding
Under appropriate supervision
Fishing
On land or within 2 nautical miles of a land mass
Go-karting
Must wear a helmet
Golf
Ameteur and occasional only.
Gym activities
Excluding powerlifting
Gymnastics
Excluding competitions
Horse riding
Excluding competitions, equestrian events, steeple chasing, jumping, or polo
Ice skating
On a rink but excluding competitive skating, racing, speed skating, and tour skating
Indoor rock climbing
Under appropriate supervision
Kayaking
Graded I, II or III under the International Scale of River Difficulty
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
Moped or scooter riding
You must wear a helmet; you must hold a current New Zealand drivers licence or drivers licence valid for the country you are riding in and the engine displacement must be no greater than 125cc
Motorcycle or motorbike riding
You must wear a helmet; you must hold a current New Zealand motorcycle license or motorcycle license valid for the country you are riding in. There is no restriction on engine displacement
Orienteering
Amateur and occasional only
Paintball
With eye protection
Pilates
Recreational, not professional or competition
Rafting in rivers or rapids or lakes or canals
Graded 1,2,or 3 under the the International Scale of River Difficulty
Running
Including racing on foot for distances up to and including full marathon (42.2 kilometres or 26.2 miles)
Racquet and ball sports
Not involving physical contact
Sailing
Up to 10 nautical miles off any land mass
Scuba diving
To a depth no greater than 10 metres. You must hold an open water diving licence recognised in New Zealand or dive with an instructor licensed for these activities
Shark cage diving
Under appropriate supervision
Shooting
Fixed target only
Skateboarding, roller skating, inline skating
But not including vert skating or acrobatics
Snorkelling
Recreational, not profesional or competition
Soccer
Recreational, not profesional or competition
Surfing or surface water activities
(other than sailing) such as paddle boarding, skurfing, tubing, wakeboarding, water skiing, and windsurfing up to 2 nautical miles off any land mass
Track and field athletics
Recreational, not profesional or competition
Walking, hiking, trekking or tramping, peaking
Peaking at altitudes up to 3,500 metres where specialist climbing equipment is not required (but not expeditions to or on the Kokoda Track/Trail)
Yoga
Recreational, not profesional or competition
All other sports and activities are excluded from cover under your policy, subject to any additional options that have been purchased and are listed on your certificate of insurance.
SPORTS & ACTIVITY FAQ's
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What activities are covered?
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We love those who put a bit of Za Za Zoom into their holiday. Please refer to the information provided above; you may not be covered for certain sports and activities automatically if you don't opt for the 'sports & activities’ add-on.
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Are my medical fees covered if I participate in an adventure sport?
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Yes. If you were to have an unforeseen accident on holiday while participating in a listed activity above, assuming you were acting responsibly and adhering to the conditions of our cover, your medical expenses would be covered.
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Which activities are excluded?
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We don’t cover for cliff jumping, boating in international waters, spear fishing or any kind of professional or competition sports. For a full list of excluded activities please refer to our policy wording.
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Are there any circumstances when I wouldn't be covered?
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If at any time during your holiday you are intentionally putting yourself at risk and not acting in a responsible mannor, you could find your cover invalidated. For example, if you were riding a scooter intoxicated and had an accident, we would be unable to cover you.
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Does Zoom cover professional sports?
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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.
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Is my bicycle covered?
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Yes, by paying an additional premium. You can choose to insure up to 5 bikes with Zoom, just make sure you add-on our bicycle pack when making payment.
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I have high value sporting items; how much can I insure them for?
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If you have an expensive item that you just can’t leave behind you can insure it separately for up to $5,000 other than surfbooards or ski equipment. Please note that high value item cover is only available under our Comprehensive plan.
