Free Extensions
- All natural disasters
- Disappearance
- Drowning, suffocation by smoke or poisonous fumes
- Exposure to the elements as a result of an accident
- Food poisoning
- Hijacking not arising from war like action
- Hunting
- Insect bites, snake bites and animal bites which cause immediate injury
- Intoxication (except drunken driver as governed by the law)
- Most games and sports (as an amateur only)
- Motorcycling
- Mountaineering (not involving the use of ropes)
- Murder and assault
- Riot strike and civil commotion