RMCI have teamed up with PJHayman & Company Limited to bring you Adventures. A tailor-made insurance for almost any activity or occupation including amateur sports, winter sports, manual work and hazardous pursuits.

400 + activities covered

  • Most winter sports included
  • Sports & hazardous pursuits
  • Work abroad & activity holidays
  • Amateur and Professional sports
  • Group discounts up to 20%
  • Search & Rescue cover up to £50,000


People who require cover for sports, hazardous activities or occupations.


Quotes for groups of up to 10 can be generated online.
For groups of 11 or more, please call us.
For larger groups travelling together and insured under the same policy, attractive discounts are available:-
  • 21-50 persons = 10% discount
  • 51-100 persons = 15% discount
  • 101-150 persons = 20% discount
  • 151+ persons – discounts agreed upon initial enquiry


Adventures is available in three parts:

Part A: includes essential cover for medical and emergency expenses, specialist activity equipment and up to £50,000 search & rescue costs following an accident, as well as personal accident, personal liability, curtailment (following an accident only whilst you are participating in an insured activity) and legal expenses.

Part B: provides additional cover to bring the policy into line with a ‘standard’ travel policy and includes:- cancellation, personal possessions, personal money and travel delay.

Part C: Independent Traveller provides extended cover for cancellation, curtailment, travel delay and travel disruption with the addition of accommodation expenses if your trip is disrupted by an event such as a natural disaster e.g. volcanic eruption or if the Foreign and Commonwealth Office (FCO) advises against travel.Part A may be taken in isolation.Part B can only be taken with Part A.Part C can only be taken with Part A and Part B.

24-hour medical emergency assistance
Experienced multi-lingual co-ordinators and medical specialists are available 24 hours a day, 365 days a year. They will guarantee medical costs where required, liaise with the treating doctor and arrange repatriation if medically necessary.

Pre-existing Medical Conditions
For travellers with an existing medical condition, a medical screening service is available to confirm acceptability of cover – see the Insurance Policy for further details.

Single Trip (maximum duration)
Cover is available for individual trips of up to 6 months continuous cover (3 months if you are aged 65 – 69).

Annual Multi-trip cover
For those taking two or more trips during the year, purchasing an annual policy allows you to travel as many times as you wish throughout a 12 month period. There is a maximum limit of 60 days for each trip.


Adventures is available to people aged up to 69 years who are registered with a medical practitioner and permanently resident in the United Kingdom including Channel Islands and Isle of Man.


Antares Syndicate 1274 at Lloyd’s. Antares is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

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