Life Insurance, Critical Illness Cover and Income Protection for Hazardous Pastimes

Hazardous pastimes such as rock climbing, scuba diving and private aviation can sometimes make it difficult to obtain insurance.

Here at the Special Risks Bureau we understand how important insurance is. We work for you to ensure that you get the best price for your cover with the least hassle.

For more information on specific pastimes/sports please select here:

Alternatively please take a look at our complete list to find details about how your insurance can be affected by your hobbies.

Insurance for Hazardous Pastimes / Sports

Hazardous pastimes high risk insurance for hobbies rock climbing

Some examples of hazardous pastimes and sports are:

For policies such as Life Insurance, Critical Illness Cover and Income Protection, hazardous pursuits can have a large impact on the cost and terms of cover. This is because insurance companies are concerned with the increased risk of illness, or in certain circumstances death, that come hand in hand with certain dangerous sports and activities.

It is unusual for you not to be able to get cover at all due to hazardous pastimes or sports, however it is likely that a policy could come with a higher premium or an exclusion for your activity. For Life Insurance there are some insurance providers who can exclude activities like private aviation and motor sports from your policy's claimable list. They will normally offer to include them too... for a cost. Plans such as Income Protection are much more likely to simply exclude any dangerous activities and sports you do when you apply for cover.

If you require Income Protection without an exclusion there are certain short term plans that do not exclude hazardous activities and sports, please click here for further details.

What Will the Insurers Need to Know?

Each Insurance company is different and the questions asked may differ depending on if you are looking for Life Insurance, Critical Illness Cover or Income Protection Insurance. You will need to provide the following details to the insurance provider at the point of application:

  • The type of hazardous activity / sport you take part in
  • How often you take part in the activity / sport
  • The extent / degree / severity that you partake in
  • If you have any qualifications or if you are part of any national association to do with your activity / sport
  • Where you take part in the activity / sport
  • If you are involved in competitions

Each of these factors (along with others) are considered by the individual insurer who then analyses the risk that these present against the cover you require.

How the Special Risks Bureau can Help?

As there are a range of insurance companies in the UK, all with different acceptance criteria and prices, it is essential that your cover be placed with the right one. Some policies may have exclusions that relate to hazardous pastimes and some may increase premiums to cover the extra risk. In some situations however you might be able to source the cover at a standard premium with no exclusions and no price increase.

It is therefore very important to either speak to an insurance adviser or fully research the cover you require to ensure you are adequately protected at the right price.

Here at the Special Risks Bureau we have years of experience in placing cover for people with hazardous pastimes. For a free quote please call us on 0800 567 7450 or request a quotation online.

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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

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Please feel free to request a quote from us using our online form. As a broker we search a fair analysis of the whole market and will always take your specific risks and concerns into account. For this reason we do not currently offer prices online but will always do our best to reply to you by email, text or phone as soon as possible.

The more information that you can provide us about your health conditions, hobbies, travel and/or occupation the better as this will help us to provide the most accurate indications of price.

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