There are activities where the risks are obvious, and I appreciate it when an insurance company doesn't pretend "everything is the same" but clearly distinguishes between the categories. I was studying the section on more hazardous activities and came across https://www.globelink.eu/hazardous-pursuits.html — it made a good impression: the text seems to explain the boundaries rather than confuse. This is important to me, because in disputed situations, it's the wording and pre-defined rules that resolve the issue. Has anyone had experience with documenting such activities if a question about coverage arose?