Your Winter Sports travel insurance policy will cover you for the majority of winter activities upon payment of the Winter Sports premium. See section B11 of the policy wording for your Winter Sports list of activities.

Set up your business travel insurance policy online and in minutes you're covered from loss of your business equipment to hiring a replacement and paying for a business associate to replace you.

This option will provide you with repayment of up to 5% of the original purchase price paid for the period of the timeshare you are unable to use, plus the management charge for this period, where you are unable to exchange your timeshare in your operator's timeshare bank.

Golf holiday insurance provides cover for when things don't quite go off to a tee! Cover can include personal accidents, baggage delays and of course your valuable golfing equipment.

This option provides you with a premium discount, as you have chosen to pay double the Policy Excess's displayed in the policy in respect of each and every claim.

By selecting this option, Section B2 Personal Possessions is not covered. This option provides you with a premium discount.

If you choose the Excess Waiver option, then the original section excesses will be waived. However if an increased excess has been confirmed in writing by Travellers HealthCheck (medical screening) for section A1 (Cancellation) then the Excess Waiver will not apply to this section and the increased Excess will be applied.

By selecting this option, Sections A1 Cancellation and B5 Curtailment are not covered. This option provides you with a premium discount.

The cover relating to Cancellation, as described under section A within the pre-travel policy, starts from the commencement date of cover shown on your insurance certificate, (this will be the Issue Date of your Single Trip or Longstay Policy, but will be your chosen start date for an Annual Policy. Remember, you may require Cancellation Cover prior to your trip departure date.

Cover for Section A 'Cancellation' ends when you leave home to start each trip. In respect of Section B (all other sections of cover), cover ends on your return home or expiry of the policy, whichever occurs first.

This option extends the duration of your annual trip policy to 45 days.

This options allows you to stop over outside of your chosen Geographical Area for a maximum of 31 days in total.

This option extends your insurance to include two return trips to your home country. All cover is suspended on clearance of your home country customs and restarts after the baggage check-in at your international departure point for the return flight, international train or ferry.

Adventure Racing (up to 6 hours), Kite Boarding, Sea Canoeing/Kayaking, Boxing Training, Lacrosse, Shark Diving, Breathing Observation Bubble (BOB), Martial Arts (Training Only), Sky Diving, Canyoning, Micro Lighting, Sphereing, Gaelic Football, Mountaineering up to 3,000m, Street Hockey, Gliding, Parachuting, Tree Top Canopy Walking, Hand Gliding, Parascending (over water, non incidental), Trekking up to 3000m, Jet Skiing, Professional Entertaining, White Water Rafting (grade 4 to 6), Judo, Quad Bikes, Karate, Roller Hockey, Kayaking (In-land waters), Sand Yachting, Kendo, Scuba Diving to 18m

This option extends the maximum trip duration of your annual multi-trip policy to 60 days.

UK
England, Scotland, Wales, Northern Ireland and the Isle of Man.

Europe
Europe, United Kingdom, Continental Europe, Mediterranean Islands, the Channel Islands, Morocco, Algeria, Tunisia, Libya, Egypt, Israel, Lebanon, Jordan, Syria, Turkey, Madeira, Canary Islands, the Azores, the Republic of Ireland, Iceland, Russia, Estonia, Latvia, Lithuania, Belarus, Ukraine, Moldova and Georgia.

Australia and New Zealand
Australia and New Zealand. (including stopovers in any other zone not exceeding 72 hours duration each way)

Worldwide excluding the United States of America, Canada and the Caribbean.
Worldwide, excluding United States of America, Canada and all Islands in the Caribbean Sea including the Bahamas.

Worldwide including the United States of America, Canada and the Caribbean.
Worldwide.

Individual Each person shown on the policy schedule, for whom the appropriate insurance premium has been paid.

Couple Two adults who have been permanently living together at the same address for more than six months. Each adult can travel independently.

Family Two adults and all of their children (including foster children) aged 18 and under if in full time education. All persons must live at the same address. Each adult can travel independently, however, all insured children must travel with at least one of the insured adults.

Single parent family One adult and all of their children (including foster children) aged 18 and under if in full time education. All persons must live at the same address. The adult can travel independently, however, all insured children must travel with the insured adult.

Group of Adults A number of Individuals shown on the policy schedule, for whom the appropriate insurance premium has been paid.

Whilst this option provides you with a further discount, it is essential that you have checked that you have alternative arrangements in place (such as Carte Neige or Carre Neige) for your piste rescue or you may have to pay the piste rescue costs yourself. This does not affect the cover provided by the Emergency Medical & Associated Expenses section..

Backpacker and Longstay activities covered free of charge (Activity Pack 1)
Abseiling, Cycle Touring, Kiting, Scuba Diving to 18m, Aerobics, Dancing, Korfball, Scuba Diving to 30m, Amateur Athletic Field Events, Darts, Low Ropes, Scuba Diving to 9m, Amateur Athletic Track Events, Deep Sea Fishing, Manual Labour, Sea Fishing, Angling, Diving, Marathons, Shinty, Animal Sanctuary/Refuge Work, Driving Any Motorised Vehicle, Model Flying, Shooting, Archery, Elephant Trekking (UK-Booked), Model sports, Small Bore Target Shooting, Athletics, Expeditions, Motorcycling with appropriate UK licence, Snooker, Badminton, Fell Running, Mountain Biking (on road non racing), Snorkelling, Ballooning - Hot Air, Fell Walking, Netball, Softball, Bamboo Rafting, Fencing, Orienteering, Squash (amateur), Banana Boating, Fishing, Overland Trips , Stoolball, Bar Work, Fives, Petanque, Stoopball, Baseball, Flag football, Pigeon racing, Surfing (amateur), Basketball,Flying as passenger , (private/small aircraft), Pony Trekking, Swim Trekking , Beach Games, Football, Pool, Swimming, Biathlon, Football - Beach Kick Around, Power lifting, Swimming with Dolphins, Billiards, Fresh Water Fishing, Quoits, Sydney Harbour Bridge, Bird Watching, Frisbee, Rackets, Table Tennis, Body Boarding, Fruit or Vegetable Picking, Rafting, Team Games, Bowling, Glass Bottom Boats, Rambling, Ten Pin Bowling, Bowls, Gliding (learning non competition), Rambling under 1,000m, Tennis, Boxing Training, Golf, Rap Running/Jumping, Trekking 1000m, Bridge, Gorilla Trekking, Racquet Ball, Triathlon, Bridge Swinging, Gymnastics, Re-Enactment, Tubing, Bungee Jumping, Highland games, Restaurant Work, Tug of War, Camel/Elephant Riding/Trekking, Hiking/Trekking/Walking, Rifle Range, Volleyball, Camping, Hill Walking up to 2000m, Ringos, Walking, Canoeing, Historical Research, River Walking , Water Skiing (amateur), Canoeing (exc. white water), Horse Riding, Rock Scrambling , (under 4,000m), Weight Lifting, Caravanning, Hot Air Ballooning, Rounders, Whale Watching, Catamaran Sailing (In-shore), Indoor Skating, Rowing, White Water Rafting + Canoeing (grade 1 to 3), Chess, Jet Boating, Running, Sprint/Long Distance, Windsurfing, Clay Pigeon Shooting, Jet Skiing, Safari (UK Organised), Working,Climbing, Jet Skiing (non incidental), Safari Trekking, Yachting (inland and coastal waters), Cricket, Jogging, Sail Boarding, Yoga, Croquet, Kayaking (up to grade 2 rivers only), Sailing, Curling, Keepfit, Sailing/Yachting inshore (recreational)

Adventure Racing (up to 12 hours), Hockey (Ice) With Full Body Protection, Parasailing (over water) incidental, Snow Biking, Parascending (Over water), Snow Blading, Parascending (over water, non incidental), Snow Bobbing, Passenger Sledge, Snow Mobile/Ski Doos, Polo cross, Snow Mobiling, Power Boating, Snow Parascending,Professional Entertaining, Snow Scooting, Quad Bikes, Snow Shoe Walking, Rambling up to 2,000m, Snow Tubing, River Tubing, Snowboarding, Rodeo, Snowcat Driving, Roller Blading (Line Skating/Skate Boarding), Soccer, Roller Hockey, Speed Sailing, Roller skating, Speed Skating, Rugby (amateur game), Speed Trials/Time Trials, Rugby (training), Sphereing, Rugby League, Street Hockey, Rugby Union, Summer Tobogganing, Safari (non UK Organised), Surfcasting, Sand Dune Surfing/Skiing, Taw Kwon Do, Sand Yachting, Telemarking, Shark Cage Diving, Tobogganing/Sledging, Skateboarding, Trampolining, Ski Boarding, Tree Top Canopy Walking, Ski Dooing, Trekking 2000m, Skiing, Ultimate, Skiing - Mono, Under 17 Driving (not public roads), Skiing - Nordic, War Games/Paint Balling, Sky Diving (max 2 jumps), Water Polo (amateur), Sledging, Water Ski Jumping, Sledging/Tobogganing, White Water Rafting (grade 4 to 6), Sleigh riding (reindeer, horses or dogs), Winter sports, Wrestling, Adventure Racing (up to 6hrs), Horse Jumping (no Polo, Hunting), Airsoft, Horse Riding (Eventing), American Football, Husky Dog Sledding, Big Foot Skiing, Hydro Zorbing, Blade Skating, Ice Hockey, Bobbing, Ice Skating, Breathing Observation Bubble (BOB), Indoor Climbing (on climbing wall), Canoeing (White Water),Iron Man, Canyoning, Jousting, Cat Skiing, Judo, Cross Country Running, Karate, Cross Country Skiing, Karting, Dragon Boat Racing, Kayaking (grade 3 rivers only), Dry Slope Skiing, Kayaking (In-land waters), Elephant Trekking (non-UK booked), Kendo, Equestrian, Kick Sledging, Falconry, Kite Boarding, Flying crew/pilot, Lacrosse, Flying Helicopter (Pilot), Land Skiing, Football - Amateur, Land Yachting, Gaelic Football, Langlauf, Glacier Walking, Martial Arts (Training Only), Gliding, Modern Pentathlon, Gliding (non competition), Mono Skiing, Go Karting, Mountain Biking (off road non racing), Gorge Walking (no ropes), Mountain Boarding, Handball, Mountain Walking up to 1000m, Harness Racing, Mountaineering up to 1000m, High Diving, Off Road Motorcycling (up to 250cc), Hobie Catting (In-shore), Off-piste skiing, Hockey, Paint Balling

Boardsailing, Ice Windsurfing, Ski Blading, Buggying, Kite Buggying, Ski Randonee, Caving/Pot Holing, Kite Surfing, Ski Touring, Cyclo Cross, Mountaineering up to 2,000m, Ski Yawing, Devil Karting, Octopush, Skiing - Freestyle, Dinghy Sailing, Outdoor Endurance Tests, Skiing - Glacier, Dirt Boarding, Paragliding, Skiing - Snowcat, Extreme Sports, Parascending (over land), Snow Carting, Glacier Skiing, Power Gliding, Snow Go Karting, Heliskiing, Power Kiting, Snow Kiting, Hurling, River Bugging, Trekking 3000m, Hydrospeeding, Rock Climbing (under 2,000m), Via Ferratta, Ice Climbing,Skeleton, Wake Boarding, Ice Go Carting, Ski Biking, Wind Tunnel Flying, Winter Walking

Adventure Racing (up to 24 hours), Gliding (competition), Scuba Diving to 40m, Assault Courses including High Ropes, Hang Gliding, Ski Flying, Black Water Rafting (Grades 1 to 3), Micro Lighting, Ski Mountaineering, Blowcarting, MotoCross, Ski Run Walking, BMX Freestyle & Racing, Motor Racing/Rallies/Competitions (all types), Skiing - Off Piste Without a Guide, Cave Diving, Mountaineering up to 3,000m, Slack-Lining, Cycle Racing, Parapenting/Paraponting, Wicker Basket Tobogganing, Freestyle Skateboarding, Polo, Zip Trekking, Zorbing

Covered free of charge
Aerobics, Amateur Athletic Field Events, Amateur Athletic Track Events, Angling/Fishing (freshwater), Animal Sanctuary (non big game), Archery*, Badminton, Bamboo Rafting, Banana Boating, Bar Work, Baseball, Basketball, Billiards, Bird Watching, Board & Card Games, Body Boarding, Boules, Bowling, Bowls, Bridge Swinging, Bungee Jumping, Camel/Elephant Riding/Trekking (UK booked), Camping, Canoeing/Kayaking* (Grades 1-3 - Excludes White Water), Caravanning, Catamaran Sailing* (In-shore), Clay Pigeon Shooting*, Cricket, Croquet, Curling, Cycle Touring/Leisure Biking, Dancing, Darts, Disc Golf, Diving (Indoor up to 5m), Dragon Boat Racing, Fencing, Fives, Flag Football, Flying as passenger* (private/small aircraft/helicopter), Football/Soccer - Kick Around (any surface), Frisbee (recreational), Golf, Gorilla Trekking (up to 1000m), Highland games, Horse Riding (No Jumping), Hot Air Ballooning*, Indoor Skating (not ice), Jet Boating*, Jet Skiing*, Kiting, Korfball, Laser Tag, Low Ropes, Marathons, Model Flying, Model sports, Mountain Biking (up to 1000m), Netball, Orienteering, Petanque, Peteca, Pigeon Racing, Pony Trekking, Pool, Quoits, Rackets, Racquetball, Rafting* (Grades 1-3 - Excludes White Water), Re-Enactment, Rifle Range*, Ringos, River Punting, Rounders, Rowing* (inshore - recreational), Safari (UK booked), Sailing/Yachting (recreational - inshore), Scuba Diving* (not solo, up to maximum 30m), Segway (supervised, non-competitive), Snorkelling, Softball, Squash, Stoolball, Swimming (pool - not open water), Swimming with Dolphins, Table Tennis, Ten Pin Bowling, Tennis, Theme Parks, Trekking/Mountain Walking/Hiking/Rambling/Mountaineering (in group) all up to 1000m, Tubing*, Tug of War, Unicycle riding, Volleyball, Water Parks, Whale Watching, Yachting (racing/crewing) - outside territorial waters, Yoga.

BlueBear Travel Insurance offers an additional service of posting out to our customers a printed certificate and policy document for which we charge £2.50. The certificate is available to download once payment has been accepted as is the policy wording. We will email a copy of your certificate along with the relevant policy wording on completing payment on the website. If you do not require a posted copy, please leave the box unticked. If however, you would like a copy, please tick the box.

Cruise - means a pleasure voyage on a ship sailing on seas or oceans that includes stops at various ports and where the trip is more than 72 hours in duration. Please note that cover for Cruises is only available when you purchase our Gold level of cover.

Blue Bear Policy Wordings

For Policies Purchased from 01/05/2018 to 30/04/2019.

For Policies Purchased from 01/05/2017 to 30/04/2018.