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Dangerous sports and hobbies

People who take part in ‘Dangerous Sports and Hobbies’ are considered a greater life insurance risk and are often subject to some exclusions and higher premiums. What’s more, the definitions can differ from one life insurance provider to another.

If you do, you can expect your life insurance provider to ask for more detailed information when assessing your life insurance application. Activities defined as ‘dangerous’ in terms of life insurance are: Aviation, Climbing/Mountaineering, Diving, Motorsport, Parachuting.

Aviation

  • Do you fly for business and/or pleasure?
  • How many hours have you flown in total, and in the last 12 months?
  • How many hours do you anticipate flying in the next 12 months?
  • What type of aircraft do you fly?
  • Where do you fly? (within UK, Europe for example)
  • Do you participate in any high-risk flying? (i.e. testing, low-level, aerobatics)
  • Are there any anticipated changes to your flying patterns in the next 12 months?

Climbing

  • Are you a member of or affiliated to The British Mountaineering Council?
  • How many years have you been climbing?
  • How many climbs do you make per year?
  • What is the maximum height you've climbed?
  • Where do you climb? (UK, Europe etc)
  • What type of terrain do you climb on? (ice, rock etc)
  • Are there any anticipated changes to your climbing patterns in the next 12 months?

Diving

  • Do you have a BSAC or PADI qualification?
  • How many dives did you make in the last 12 months?
  • What was the average depth of a typical dive?
  • What was the maximum depth you dived?
  • Where do you dive? (coast, lakes, outside UK etc)
  • Do you do any 'higher-risk' diving? (wreck diving, mixed gases etc)

Motorsport

  • What type of vehicle do you drive? (engine size, class etc)
  • How many races did you compete in over the last 12 months?
  • How many races do you anticipate competing in over the next 12 months?
  • Where do you race? (UK, Europe etc)
  • Are there any anticipated changes to your racing patterns in the next 12 months?

Parachuting

  • How many jumps have you made in total?
  • How many jumps do you anticipate making in the next 12 months?
  • What type of jumps do you make? (freefall, static line etc)
  • Are you a member of a club?
  • Are you a member of a display team?
  • Are there any anticipated changes to your parachuting patterns in the next 12 months?

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