Dangerous sports and hobbies? What do you do about life insurance and are you covered?

Dangerous sports and hobbies? What do you do about life insurance and are you covered?

People who undertake dangerous sports and hobbies are often considered to be a much greater risk to an insurance company and as a result, they are often open to higher premiums and exclusions on their policies.  Moreover, these exclusions are dependent on the insurer so there’s no one size fits all.

In today’s blog, The Cheapest Life Insurance takes a look at the sports considered extreme in case you are in any doubt.

If you need to get quotes for life insurance, we are happy to take your application and put it in front of a panel of leading insurers so you can compare prices and get the cover you need, so do give us a call if you need some assistance.


This one is considered extreme and most notably you’re likely to be asked for information when applying for life insurance that includes:

  • Do you fly for business or as a hobby?
  • How many hours have you flown in the last year?
  • How many hours are you likely to fly in the next year?
  • Which kind of aircraft do you fly?
  • Where do you fly?  Is it within the UK, Europe or Internationally?
  • Do you participate in any higher risk flying activity, such as low-level, aerobatics or testing?


  • Again, this is considered an extreme sport and if you’re after cover, you may get asked:
  • Are you a member or affiliated to the British Mountaineering Council?
  • How many years have you been a climber?
  • How many times do you climb each year?
  • What is the highest point you’ve ever climbed to?
  • Do you climb in the UK, Europe or Internationally?
  • What kind of climbing do you do – for example is it on ice or rock?


  • Again, this can be considered extreme and if you need cover you might get asked:
  • Do you have a BSAC or PADI qualification?
  • How many times have you dived in the last year?
  • What is the average depth of a dive for you?
  • What is the maximum depth you’ve dived to?
  • Where do you dive?  For example, along the coast, in lakes, outside of the UK, Europe etc.
  • Do you do any high risk diving such as wreck diving?


No surprise to see this one!

  • What type of vehicle do you drive, including the engine, size and class?
  • How many races have you competed in with in the last year?
  • How many races are you likely to be in for the next year?
  • Where do you race?  UK, Europe or Internationally?


This final one is obviously a risky sport and you can expect to be asked:

  • How many jumps have you made?
  • How many jumps are you likely to take in the next year?
  • What kind of jumps do you do?  For example, freefall, static line etc.
  • Are you a member of a display team?

Of course, each insurer will have different questions to ask and it will be more costly to get life insurance if you partake in these kinds of sports.  However, it is possible and you can still find the cover you need at a reasonable price if you shop around.



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