Hazardous Pursuits Insurance

When applying for different types of protection such as life insurance, critical insurance cover or income protection, you will need to declare if you take part in what the insurer classifies as a hazardous pursuit.

Hobbies and pastimes categorised as hazardous pursuit includes;

Aviation/Flying

Caving/Potholing

Climbing

Diving

Equestrian Sports

Extreme Sports

Motor Sport

Trans-ocean sailing and/or yacht racing

Powerboat racing

Often insurers will not offer standard terms if the applicant takes part in any of these activities. This means that the applicant will have to pay higher premiums to arrange cover, or in some case the insurer will not be able to offer the applicant any kind of cover due to their hobby or pastime.

We specialise in arranging life insurance, critical illness cover or income protection for individuals who participate in such activities or pastimes. We have many years’ experience in arranging protection for individuals involved in these hobbies and have relationships with the insurers so we can provide the most favourable terms for our clients, which are often on standard terms.