Skydiving & Life Insurance

Skydiving is a high adrenaline sport and something that many people feel is a must do on their bucket list.

A one-off sky dive is unlikely to have an impact on your life insurance application, but it’s always best to check. Insurers have slightly different question sets and it’s important to find the right one for you.

Our advisers will find the right insurer for you by asking:

• How many skydives do you do each year?
• Are you doing this as a hobby or part of your work?
• Are you skydiving in the UK or abroad?
• Do you take part in competitions?

Even with all the safety measures that you have in place, insurers do see skydiving as more risky than quite a few other sports. 

Skydivers life insurance applications can potentially be accepted at normal terms. If you jump less than 30 times a year you can often get good options for life insurance with quite a few insurers. If you dive more than this then some insurers might increase your policy premiums.

There are some insurance options that will not ask about your skydiving in the life insurance application. This can potentially be a good route for you if you are skydiving quite a lot.

Our expert advisers know which insurer is going to be right for you, so that you get the best life insurance policy.

Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.

Critical illness insurance for skydivers is often assessed in a similar way to life insurance. The insurer is going to want to know how often you dive, this is the really key bit of information.

We know that this can change year to year and all you can do is be open about how much you have done in the past, and how many dives you intend to do in the next couple of years.

If you are planning on diving less than 30 times a year, then some insurers are likely to be able to offer you critical illness cover at a competitive price.

Where skydivers critical illness insurance applications detail more than 50 jumps per year, some insurers will increase the policy premiums. The key thing here is that it’s some, not all insurers.

Critical illness cover often insures you for the diagnosis of approximately 60 different conditions. One of these is called Total Permanent Disability (TPD). You might find that your critical illness cover is offered with an exclusion on this TPD for claims related to the skydiving.

We always want to avoid exclusions but if you do hear this it’s worth remembering that it is just 1 condition out of the many other situations that you are covered for.

Our award winning advisers are here to find the right insurer to get you the most competitive price for critical illness cover

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Income protection for skydivers can be available at standard terms with some insurers. The insurer you approach will want to know how often you jump and whether it is part of your work, if it’s a hobby or a one-off experience day.

Income protection applications will need to detail any injuries that you have had in recent years. Things like back pain, a torn ligament or shoulder strain, can potentially lead to exclusions on income protection policies.

Our advisers will find the right income protection policy that supports you and your skydiving.

Planning on skydiving while you are on holiday? Make sure that you have the right travel insurance in place, find out more at our travel insurance page.