There are alot of excursions that are not safe, and not covered by holiday insurance. Tour operators have a list of excursions that they do not recommend for insurance and safety purposes.. some horse riding establishments, paragliding, jeep safari, rafting to name a few. They also state the age restrictions too. This argument will always come about, but in my opinion adults, parents should make decisions about the activities that they let their children do! A child aged 9 should never have been rafting end of.