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Life Insurance, Critical Illness Cover and Income Protection for High Risk Sports

Hobbies such as rock climbing, scuba diving and private aviation can sometimes make it difficult to obtain insurance. Insurers can see these as a hazardous pastime, depending upon what you do.

Here at the Cura 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.

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Insurance for High Risk Sports

Some examples of hazardous pastimes and sports are:

Scuba Diving
Rock Climbing
Sailing
Private Aviation
Motor Sports
Extreme Sports

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.

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 Cura 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 find the insurance at a standard premium with no exclusions and no price increase.

Speaking with one of our insurance advisers that can fully research the insurance market for you, is a great way to make sure that you get the vital insurance that you need, at competitive terms.

Here at the Cura 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.

Client Reviews

"Alan and his team were great! Alan helped get me cover where my own company could not (I work in financial services too!) Would highly recommend and will come back in the future."

"Krystle was fantastic throughout and managed to knock almost 50% off my current life insurance premium."

"Leanne couldn't have been more helpful and thoughtful with her questions and work on my enquiry."

"Kathryn and her colleagues were very helpful because of my recent illness."

"Nick was my advisor, Excellent knowledge of products and what I needed, not just pushing me into a sale/policy, will always refer to him in the future."

"I would like to say a very big thank you especially to Amy you really went above and beyond."

"Annaliese was absolutely fantastic, making us both feel at ease and helping us navigate issues that had caused us problems with previous attempts to obtain insurance."