Zoom into Adventure

Please select at least 1 country or destination.
Please select departure and return date.
Please input traveller age(s).
The maximum number of people you can have on a Zoom policy is 25.
Your kids go free
This means your dependant children or grandchildren under the age of 21 at the date of policy issue who are travelling with you.
We're excited that Kiwis can now travel to and from Australia without restriction. 
You can learn more about quarantine-free travel on the 
Unite against COVID-19 website
Coverholder at Lloyds


Are your holidays packed full of adventures and escapades?  Whether you like to surf, ski or skydive we cover heaps
of adventure activities for your trip. What are you waiting for? Zoom to it!


We know that all holidays are different. For those adventure seekers out there, our optional Sports & Activities Cover provides you with extra protection for a range of more adventurous activities not covered under a standard policy.  From abseiling to white water rafting, if you've got an action packed trip, simply add Sports & Activities Cover during the quote process.  The following table highlights the activities you can purchase additional cover for.




Fully harnessed

Animal conservation and handling

Under appropriate supervision

Battle re-enactment

But not with firearms

Cave/river tubing


As part of an organised excursion or tour

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


Passenger in a licensed commercial small aircraft or helicopter


Ameteur and occasional only

Hiking, trekking or tramping

Peaking at altitudes from 3,000 metres up to 6,000 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


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


Only moving targets such as clay pigeon


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.


You're not required to buy additional protection for every holiday activity.  The following table highlights the amateur sports and recreational activities that are covered automatically, with no additional premium required. We put the 'zip' in trip!



Aqua zorbing or zorbing

In a leisure, nonprofessional capacity


Amateur and occasional only


Regulated or licensed hot air ballooning


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


Recreational, not professional or competition

Dog sledding or sleigh rides

Excluding racing

Elephant riding

Under appropriate supervision


On land or within 2 nautical miles of a land mass


Must wear a helmet


Ameteur and occasional only. You're golf equipment is not covered automatically. Purchase additional Golf Cover in the quote process to cover your clubs and hire equipment.

Gym activities

Excluding powerlifting


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


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 50cc

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


Amateur and occasional only


With eye protection


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


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


Under appropriate supervision, but not hunting


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


Fixed target only

Skateboarding, roller skating, inline skating

But not including vert skating or acrobatics


Recreational, not profesional or competition


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 3,000 metres where specialist climbing equipment is not required (but not expeditions to or on the Kokoda Track/Trail)


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.


It's not always easy to understand insurance policy wording. Our handy FAQ's keep things breezy!
  • What activities are covered?
  • 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.  

  • Are my medical fees covered if I participate in an adventure sport?
  • 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.

  • Which activities are excluded?
  • 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.

  • Are there any circumstances when I wouldn't be covered?
  • 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.

  • Does Zoom cover professional sports?
  • 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.

  • Are my golf clubs covered?
  • Yes, by paying an addional premium at payment time. If you choose to add-on our Golf Pack then you're covered up to $2,000 for golf equipment, $1,500 for equipment hire, $500 for golf green fees and $250 hole in one.

  • Is my bicycle covered?
  • 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.

  • I have high value sporting items; how much can I insure them for?
  • 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.